Seen Finance™ Partners with Nova Credit to Expand Credit Access by Leveraging Cash Flow Data
Strategic partnership brings cash flow data solutions into seamless workflows to bring better credit offers to consumers
SALT LAKE CITY, January 28, 2026 — Seen Finance™, an affiliate of Snap Finance and servicer of the Seen-branded credit card, today announced a strategic partnership with Nova Credit, a leading credit infrastructure and analytics company. Through this collaboration, Seen leverages the Nova Credit Platform to expand access to credit for qualified applicants across multiple touchpoints in the customer journey.
The partnership addresses a critical gap in consumer lending: millions of Americans are financially capable but unable to access credit due to limitations in traditional underwriting models. By incorporating Nova Credit's comprehensive cash flow data solutions into its evaluation process, Seen can now better serve customers on behalf of its bank partners by providing second-look opportunities for applicants who would otherwise be declined and by proactively identifying qualified consumers for pre-qualification invitations.
“At Seen, we're committed to helping our bank partners give customers the financial means to thrive by expanding access to credit," said Debtosh Banerjee, EVP, GM of Card Products at Snap Finance. “This partnership with Nova Credit represents an important step forward in our mission to foster financial inclusion. Nova Credit's multi-aggregator infrastructure and advanced analytics allow us to evaluate applicants more holistically—whether they're applying for the first time or deserve a second look. This enables our bank partners to extend credit opportunities to qualified individuals who deserve access to financial tools that can help drive real change in their lives.”
The Seen-branded suite of credit cards, issued by Coastal Community Bank, is designed specifically for customers who may not have perfect credit histories. With Nova Credit's platform, Seen gains access to comprehensive cash flow data from multiple sources, providing a more complete picture of an applicant's financial health beyond traditional credit scores.
"We're thrilled to partner with Seen to help expand financial inclusion for underserved Americans," said Collin Galster, COO of Nova Credit. "Seen's dedication to customer empowerment aligns perfectly with our mission to power a more fair and inclusive financial system. Together, we're proving that innovative technology can responsibly expand credit access while maintaining sound risk management."
Following the initial rollout, Seen plans to scale the partnership across use cases and explore additional applications of Nova Credit's technology throughout the customer journey. This expansion reinforces Seen's ongoing commitment to exploring solutions that prioritize education, empowerment, and opportunities for brighter financial futures.
Learn more about Cash Atlas™
About Seen
Seen™ by Snap Finance® was established with the goal of bridging the gap between underserved consumers and traditional banking systems. The suite of Seen-branded credit cards emphasizes transparency, security, and ease of use, and is complemented by the Seen mobile app for simple credit management. The Seen Mastercard® and Seen CashBack Plus Mastercard® are issued by Coastal Community Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. For more information, visit www.seen.com.
About Nova Credit
Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. The company leverages its unique data infrastructure, industry-leading analytics & FCRA-compliance to help lenders fill in the gaps that exist in traditional credit analytics. Nova Credit provides access to the fragmented universe of consumer financial data and transforms it into compliant, actionable risk analytics through a suite of solutions designed to increase conversion through expanded coverage, speed, and reliability. Nova Credit supports organizations such as HSBC, SoFi, Scotiabank, and Yardi, who work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas®, quickly and accurately verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Learn more at www.novacredit.com or reach out to connect@novacredit.com.
About Snap Finance
Snap Finance® is a technology-driven provider of flexible financing solutions designed to help consumers and businesses thrive. Since 2012, Snap has used advanced data science and proprietary risk modeling to view each consumer through a more holistic lens, helping more people get the things they need while empowering retailers to grow. The Snap family of companies’ expanding ecosystem of products and services, including lease-to-own, loan solutions, and the Seen™-branded line of credit cards, promotes transparency, responsible credit use, and long-term financial confidence. For more information, visit snapfinance.com.
Media Contacts:
Snap Finance PR Contact: media@snapfinance.com
Nova Credit PR Contact: Grant Waldvogel, pro-novacredit@prosek.com