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April 19th 2022

The Case for Cash: A Whitepaper for Inclusive Lending

Including the Credit Excluded

Traditional credit underwriting practices have unintentionally excluded 60 million consumers from credit and financial services. These consumers are Credit Excluded not because they’re high risk, but because the current system simply doesn’t assess their potential risk properly. 

This whitepaper highlights recent innovations in underwriting analytics, the need for lenders to improve their underwriting models to be more inclusive and how cash data in conjunction with credit data substantially improves the overall quality of credit risk assessment. 

Incorporating bank transaction data into underwriting practices not only enhances the lender’s capacity to accurately assess consumer credit risk, but has the potential to end the very idea of a Credit Excluded population in the United States.

The whitepaper focuses on:

  • Who are Credit Excluded consumers and why are they unable to access credit

  • Data and analytics solutions available to lenders and their effectiveness

  • Why consumer-permissioned cash flow data is the compelling solution for lenders looking to be more inclusive in their underwriting


Announcing the Cash Flow Underwriting Summit: a first-of-its-kind executive summit dedicated to exploring and advancing the practice of cash flow underwriting in consumer lending.