Cashflow Score
Harnessing bank transaction data for smarter lending
Gain a better view of borrowers with bank transaction data
Cashflow Score leverages consumer-permissioned banking transaction data to generate a risk score (300–850) that predicts the likelihood of a consumer going 60 days past due in the next 12 months. Designed to complement traditional credit scores or used as a standalone score, it provides deeper visibility into a consumer’s financial health. With real-time insights into income, expenses and spending patterns, lenders can enhance cashflow underwriting, expand market reach and improve risk assessment with greater confidence — all with Experian’s trusted analytics.
Expand market reach
Gain better insights into consumers with limited or no credit data to effectively underwrite for inclusive lending.
Gain distinctive insights
Reduce blind spots by incorporating cashflow data—such as rental payments, bank fees, and peer-to-peer transactions—to better assess a consumer’s ability to pay.
Enhance decision accuracy
Achieve comprehensive insight into a consumer’s financial health, thereby improving decision-making accuracy.
Unlock the power of Cashflow Score
Banking transaction data provides deep insights alongside credit for better scoring, enabling more informed decisions
Unlock the benefits of Cashflow Score
- Trusted provider: Leverage our proven track record of providing reliable predictive scores to financial services clients
- Performance: Experience up to 25% lift by adding Cashflow Score to conventional or benchmark scores
- Ease of use: Seamlessly integrates with existing systems for real-time credit decisions, eliminating the need for custom model creation
- Data accuracy: Backed by Experian’s proprietary data from millions of U.S. consumers and actual loan performance data
- Regulatory expertise: Leverage our regulatory expertise to navigate compliance
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