Why would the article state that it is unknown whether a fintech lender like SoFi will face a higher or lower default rate during a recession than would a bank or other conventional$$ lender? Are there reasons to expect that the default rate might be$$ higher?

The impact of a recession on fintech lenders like SoFi is unknown since$\_\_\_\_\_\_\_\_.$

Fintech lenders may experience higher default rates than traditional lenders because they$\_\_\_\_\_\_\_\_.$