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Data Insights

The Rise of Fleet Cards: A Market on the Move

Pave empowers fleet card providers with advanced analytics and real-time data to enhance risk management and promote growth.

The Future of Credit Scoring and How to Assess Cashflow Scores

The future of credit scoring - how cashflow scores help lenders assess financial health beyond traditional credit checks.

GenAI in Lending: Increasing Inclusivity with Cashflow-driven Analytics

We’re proud to be highlighted in Visa’s latest industry report, “Opportunities for Generative AI in Financial Services.” This recognition highlights the transformative role of Generative AI in reshaping financial services.

How Lenders Embrace Cashflow Analytics to Gain a Competitive Edge

The market for cashflow analytics is expanding -- creating opportunities for lenders to increase approvals to those overlooked by traditional credit systems.

Higher-Income Consumers Flock to Alternative Credit: Median Monthly Net Incomes Surge by 30% in 6 Months

We analyzed net income trends in a small subset of our dataset, finding a 30% surge in net income for users of alternative credit products.

Defaults are rising, FICO is a lagging indicator, and BNPL is adding fuel to the fire

In September 2022, BNPL usage increased 115% year-over-year. BNPL is changing how people borrow and spend, and lenders need to start paying attention.

Cash Advance Usage increased 39% in the past 6 months

Cash advance usage surged 39% in 6 months. Explore the data behind this rise, how it's reshaping financial habits, and what it means for lenders and consumers alike.

Consumer Cashflow – The data’s there, but the infrastructure isn’t.

For the past 25 years, FICO has created and standardized scores built on credit bureau data. Today, the massive increase in data sources calls for the development of new infrastructure and standards for evaluating an individual’s cashflow and financial profile.