“The CEO and founder of FinRegLab discusses their research project on the use of cash flow data in underwriting.”

“Increasingly, we see utilization of non-traditional means of assesssing credit worthiness, which is generally concentrated in the non-bank lending space.

“FinRegLab, a nonprofit that tests new technologies to foster an “inclusive financial marketplace” analyzed the data of six nonbank lender that use cash-flow data in their underwriting: Accion, Brigit, Kabbage, LendUp, Oportun, and Petal