Publications

Publications

The Use of Cash-Flow Data in Underwriting Credit: Empirical Research Findings by FinRegLab

The Use of Cash-Flow Data in Underwriting Credit: Empirical Research Findings by FinRegLab

The Empirical Research Findings report provides a detailed summary of our applied research based on data from six non-bank financial services providers, two of which are SME Finance Forum's members – Accion, Kabbage, Brigit, LendUp, Oportun, and Petal – that have begun using cash-flow variables and scores in an effort to increase the provision of credit to consumers and small businesses who may have difficulty obtaining loans from traditional sources.

Read more here.

 

Credit Risk & Scoring