Nearly 19 million U.S. households remain unbanked or credit-invisible,1 not due to a lack of financial responsibility but because traditional credit models alone may not include key financial behaviors. These individuals often save, earn and budget wisely, yet conventional scoring systems do not recognize them.
We’ve recently partnered with Plaid, the trusted leader in open finance, to change that.
Together, we’re putting cash flow underwriting front and center — giving lenders access to real-time, consumer-permissioned financial data that paints a fuller, more accurate picture of creditworthiness.
Why cash flow data matters now
In the U.S., many consumers with limited credit histories want to build their profiles but don’t know how. Cash flow underwriting bridges this gap.
Cash flow insights reveal real-world financial activity — like income patterns, spending habits and account balances — in real time. This empowers lenders to make smarter, faster and more inclusive credit decisions, while helping consumers gain access to the financial services they deserve.
What cash flow insights deliver
By incorporating cashflow data into your decisioning strategy, you can:
- See beyond the score with a richer view of a consumer’s financial health.
- Accelerate approvals with more accurate and timely insights.
- Expand access to credit while strengthening portfolio diversity and reducing risk.
Download our infographic to see how cash flow underwriting is reshaping lending — and how you can lead the change.
1Mullen, C. (2024, November 13).Underbanked US population grows to 14.2%, FDIC finds. Banking Dive.