CASH ATLAS^TM

The Case for Cash

Including the Credit Excluded

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.

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The whitepaper focuses on:

Who are Credit Excluded consumers and why are they unable to access credit
The effectiveness of the following data and analytics solutions for lenders:
- Subprime Data Assets
- Rent, telecommunications, and utilities payment data
- Enhanced analytics
- Hybrid data-analytics
Why consumer-permissioned cash flow data is the compelling solution for lenders looking to be more inclusive in their underwriting.

Don't miss out on these insights

Studies show that approximately 190-200 million out of the 250 million U.S. credit-eligible consumers have met the conditions for consideration in mainstream credit risk underwriting. Consumers meet these conditions simply because they use credit frequently, have a meaningful amount of credit history, and/or have experience using different forms of credit. Any consumer who does not meet these conditions may be excluded from accessing mainstream credit, or only being granted access at a higher cost.

Credit-excluded consumers can be found in all walks of life, spanning diverse age ranges, ethnicities, and income tiers. In reality, these underserved consumers often haven’t demonstrated any high risk behaviors. Instead, they simply haven’t exhibited the right financial behaviors in terms of credit management for mainstream credit data and analytic systems to accurately calculate their risk. Download our whitepaper to learn more today.