CompatibL won an award for introducing the industry's first machine learning-based credit risk models in 2021. These models use market generators trained on unsupervised machine learning to extrapolate risk measures from limited pandemic-era data for long time horizons. This solves the problem of outdated pre-pandemic models no longer accurately reflecting current risk levels. CompatibL's founder believes machine learning will become the standard across the front, middle, and back office by the end of the decade due to advantages like combining disparate data sources while preserving individual differences.