Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

The enhanced UltraFICO score solution uses Plaid's systems to accept and analyze real-time cash-flow data, or information about the money moving in and out of a consumer's financial accounts. Older ...

RBI’s Element-Based Reporting (EBR) represents a major shift from template-based submissions to a data-centric model focused on granular data elements. Banks must create a unified platform that ...