Leveraging cash flow data across diverse borrowers

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026

Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.

• Increased more than 32,000 credit card limits
• Generated approximately $26 million in balance growth
• Maintained just 0.59% delinquency

Discover how lenders can strengthen prime portfolio performance by combining traditional credit risk strategies with first-party fraud analytics to identify hidden risk and improve early payment default detection.

Key insights:

• Traditional credit scores measure ability to repay but may not identify consumers with no intent to repay. 
• First-party fraud models can uncover hidden early payment default risk within prime portfolios and improve risk segmentation. 
• Research shows measurable lift in early delinquency detection and ROI when fraud analytics complement credit scoring.

A concise guide to simplifying business credit modeling with automation. Learn how microservices streamline validation, testing, and analysis to help relationship managers, credit analysts, and adjudicators reduce manual effort, improve risk visibility, and make faster, more confident lending decisions.