Hello, and thanks for joining us for the fourth and final episode of Cash Flow Conversations, a new miniseries sponsored by Nova Credit.

In episode 4, I sit down with Chris Hansen, GM, Cash Atlas Solutions at Nova Credit. 

Chris has probably thought more than anyone I know about how cash flow data is going to reshape the credit data and analytics ecosystem.

Our conversation hinges on a big question: what could a credit bureau built around consumer-permissioned cash flow data look like?

We dig into the three pillars of that vision (infrastructure for persistent access to on-us and off-us data, analytics that convert transaction streams into credit attributes and scores, and compliance that bridges FCRA requirements with Section 1033’s consumer-permission rules).

We also explore how consumer permissioning complicates lender workflows (while empowering consumers), the utility of real-time willingness to pay data across the lending lifecycle, and the opportunities cash flow data opens up far beyond underwriting…

That’s a wrap for Cash Flow Conversations! Thanks for listening; we hope you’ve enjoyed the journey as much as we have.

This miniseries is brought to you by Nova Credit.

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. 

The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics. 

Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com.

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Learn more about Nova Credit here.