Publications

Latest Publications

This first edition of our FAQs addresses a range of introductory questions about AI and machine learning.
This Research Brief analyzes the current options under consideration for addressing concerns that declining credit scores could make it harder for consumers and small businesses to access the credit they need to ride out and rebuild from the pandemic, as well as providing related historical and market context.
This report details the evolution of the use of cash-flow data in small business lending. It explains the reasons why electronic cash-flow data may be particularly useful in the small business context, presents evidence of its increasing use by a diverse range of incumbents and new entrants, and notes market and policy issues that may affect the nature and pace of further expansion.
FinRegLab research finds that cash-flow data can help both to underwrite applicants who lack traditional credit history and improve risk scoring among borrowers who are ranked similarly by traditional scoring systems.