Darryl Tyndorf is an economist and modeling consultant for PayNet, an Equifax Company. He is a former college professor and current Adjunct Professor at American University teaching economics, research methodology, and quantitative research methods. He has researched and presented on the impact of human capital on economic growth, historical and current economist status of the global, U.S., and Canadian economies, utilizing leading indicators in credit scoring, and the role of traditional and advanced analytics (Artificial Intelligence and Machine Learning) in credit scoring and small business lending. He has coordinated data collection and research with clients around the world. He holds a Masters Degree in Economics from Roosevelt University and a PhD from Old Dominion University.