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The Cash Flow Journey: Key Applications To Get Started

Discover how cash flow data is reshaping financial services in this  panel discussion featuring Naga Parvatharajan (CEO, RateHub.ca) and Tim Hong (Chief Product Officer, MoneyLion), moderated by Alex Johnson (Founder, FinTech Takes). This insightful session explores the real-world applications of cash flow data for risk management, conversions, and customer engagement.

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Key takeaways

  • Driving Efficiency & Lowering Risk: Learn how RateHub’s implementation of cash flow data reduced losses by 10% and boosted conversion rates, making it a game-changer for personal loans and income verification. By improving funnel efficiency, fintech firms can offer better risk separation and reduce customer acquisition costs.
  • Scaling Through Real-Time Data: Both panelists emphasized the importance of real-time data in creating seamless financial experiences. As the ecosystem matures, cash flow data will power not just underwriting, but also servicing and collections, turning user permissioned data into actionable insights for faster, smarter decisions.
  • From Underwriting to Lifecycle Management: Moving beyond underwriting, MoneyLion integrates cash flow data across the entire customer lifecycle—from acquisition to servicing. Using real-time insights helps prevent customer distress, making the process smoother and earning long-term loyalty.
  • The Future: Instantaneous Financial Services: The panel foresees a future where cash flow data becomes the standard for real-time financial services. By streamlining consent processes and automating risk management, fintech companies will enhance both user experience and operational efficiency.
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Watch all of the Sessions from Cash Flow Underwriting Summit
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Watch all of the Sessions from Cash Flow Underwriting Summit
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