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Case Study

Leveraging cash flow data across diverse borrowers

Published September 9, 2025

Credit Decisioning Data Sources Financial Inclusion
Leveraging cash flow data across diverse borrowers

Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including: 

  • Gig workers and freelancers with fluctuating income 
  • Small business owners with nontraditional cash flow patterns 
  • Thin-file and new-to-credit consumers lacking traditional credit history 
  • Subprime borrowers demonstrating positive financial behavior

Click the button below to access the case study

View now

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When credit product offers align with consumer needs, they become drivers of long-term relationships.

In this e-book, you’ll learn how to:

  • Deliver personalized offers at the right moment using real-time insights.
  • Increase engagement by embedding offers into credit education and monitoring experiences.
  • Strengthen retention through consistent, relevant interactions.
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View our infographic to learn how to capture high-intent moments and turn them into lasting revenue. Discover:

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23 April 2026

How one lender achieved a 5 month payback

Education Credit Union modernized underwriting with Experian’s Advanced Decisioning—driving faster decisions, stronger approvals, and rapid ROI in a competitive market.

  • 5-month payback period
  • 4.4% lift in performance & funding
  • $4M+ incremental originations
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Protect Wallet Share and Lifetime Value

Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.

Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.

Did you know?

  • Customers typically hold less than 50% of their deposits or loans with a single institution.
  • Selling to an existing customer can be up to 10x more successful than acquiring a new one.
  • A 5% increase in customer retention can boost profits by 25% to 95%.
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