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Establishing a Credit Policy Using Cash Flow Underwriting

Discover how innovative companies are transforming credit assessment by leveraging cash flow data in this insightful panel discussion. Moderated by Peter Renton, the session dives into real-world applications, challenges, and successes of using consumer-permissioned data to build smarter, more inclusive credit policies.

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Key takeaways

  • Consumer-Permissioned Data Shifts the Credit Paradigm: Cash flow data helps assess creditworthiness in real time, offering a fresh perspective beyond traditional credit scores. This data allows companies to understand consumers' financial behaviors even when historical data is limited, helping businesses to craft policies for a broader range of customers.
  • Solving the "Cold Start" Problem: Companies need to implement strategies to overcome the challenge of implementing cash flow-based credit assessments without extensive historical data. By focusing on both operational needs and risk management, companies can ease into using new data sets and gradually improve underwriting accuracy.
  • Expanding Credit Access Through New Data: AT&T has implemented practical steps to introduce cash flow data into their credit decisions. Starting small with controlled tests, they aim to enhance customer credit offers while ensuring robust decision-making based on real-time financial insights.
  • Future of Cash Flow Underwriting: As the panel looks ahead, the consensus is clear: cash flow data will play a crucial role in the future of lending. By moving beyond FICO scores, financial institutions can offer more personalized and fair credit options, especially for thin-file or credit-invisible customers.
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Watch all of the Sessions from Cash Flow Underwriting Summit
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Solutions to help you scale faster

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