Traditional credit bureau data often misses the complete financial picture of creditworthy consumers. The challenge for lenders is to responsibly expand your addressable market without compromising risk standards.
This case study explores how a leading credit card program leveraged consumer-permissioned cash flow data to achieve a 15% approval lift on marginal declines—consumers they would have rejected based on bureau data alone—all while maintaining credit quality with no performance deterioration.
You'll discover:
- How cash flow insights reveal creditworthy consumers invisible to traditional models
- The business impact of deploying through pre-built affiliate integrations (days, not months)
- Implementation strategies that work within existing underwriting infrastructure