REPORT

Capture the borrowers credit reports miss

Credit scores can’t keep up with today’s economy. See how lenders use cash flow data to drive performance.

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What’s inside the report?

As the economy has evolved, so too have credit strategies. Gig work and BNPL have changed how Americans earn and spend, but aren’t taken into account with traditional credit models.

Produced in partnership with Datos Insights, this report uncovers where the gaps are, and how to close them.

You’ll learn:

  • How to reach consumers traditional credit data misses

  • The risk factors credit scores don't capture, but cash flow data does

  • Why 80% of lenders using cash flow data report better portfolio performance

What’s inside the report?

As the economy has evolved, so too have credit strategies. Gig work and BNPL have changed how Americans earn and spend, but aren’t taken into account with traditional credit models.

Produced in partnership with Datos Insights, this report uncovers where the gaps are, and how to close them.

You’ll learn:

  • How to reach consumers traditional credit data misses

  • The risk factors credit scores don't capture, but cash flow data does

  • Why 80% of lenders using cash flow data report better portfolio performance

“Better data leads to better models, which produce better decisions, which build better portfolios.”

— rethinking credit in a shifting economy

Upgrade your credit strategy with cash flow data

Read the report