CREDIT & LENDING
Grow your portfolio with cash flow insights
Improve decisioning, manage risk more effectively, and expand access to credit with one solution from Plaid and Experian.
Holistic financial visibility
Use real-time cash flow data alongside traditional credit data for a broader view of a borrower’s financial stability.
Learn moreSmarter, faster decisioning
More precisely predict ability to pay and assess risk with over 970 cash flow-based attributes from Experian.
See howInclusive lending at scale
Grow your portfolio responsibly with risk-adjusted pricing and approvals for varying risk profiles.
Discover more
Actionable insights. Better lending outcomes.
Streamline prequalifications
Combine cash flow data from Plaid with Experian’s risk analytics to qualify reliable borrowers from the start.
Enhance decisioning
Assess income stability, discretionary spending, & expense trends for up to 24 months.
Offer second-look underwriting
Verify income and spot strong financial habits—so you can approve more borrowers, including those with thin- and no-file histories.
How the integration works
1. Simple account linking
Borrowers can securely link their bank accounts in seconds from within your application flow to share their cash flow data. Plaid’s account linking experience is used by 1 in 2 U.S. bank account holders.
2. Seamless data sharing
A Consumer Report is created for the borrower by Plaid Check, a consumer reporting agency. The report is securely delivered to Experian via API.
3. Decision with more confidence
Experian analyzes the data and shares a set of Cashflow Attributes or a Cashflow Score which can increase predictive performance by up to 25%.
Together, we’re helping to accelerate the adoption of cashflow insights to drive faster decisions, stronger portfolios, and new financial opportunities for consumers.
Scott Brown
Group President of Financial Services for Experian North America
