What is cash flow underwriting?

It analyzes real-time bank data — income, expenses, savings — to gauge repayment ability. Outperforms FICO, especially with thin-file borrowers.

How has Fintech Meetup 2026 changed lending views on AI?

Shifted from potential to practical. AI's real, but cash flow and borrower shifts dominate talk.

Rate hikes drove away savvy borrowers. Left: less price-sensitive pool, inflating risk at same FICO scores.

💰 Lending & Credit

Cash flow scores beat FICO by 30% in accuracy. Fintech Meetup 2026 proved AI hype is dead – practical tools rule now.

Fintech Dose Apr 07, 2026 4 min read

Cash flow underwriting now outperforms traditional scores by 30% and is going mainstream. 𝕏
Borrower pools shifted post-2022 rates, creating 50-point FICO-equivalent adverse selection. 𝕏
AI hype fades; practical tools like cash flow dominate Fintech Meetup 2026 discussions. 𝕏

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Markets. Money. Innovation.

#AI agents lending #AI in lending #Fintech Meetup 2026 #adverse selection #cash flow underwriting

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Originally reported by Fintech Nexus