The 97% repayment rate with sub-580 credit scores is wild. Real-time transaction data crushes static FICO models becuase it captures actual behavior patterns instead of backwards-looking snapshots. Have watched similar approaches work in small busness lending where cashflow visibility matters way more than balance sheets.
The 97% repayment rate with sub-580 credit scores is wild. Real-time transaction data crushes static FICO models becuase it captures actual behavior patterns instead of backwards-looking snapshots. Have watched similar approaches work in small busness lending where cashflow visibility matters way more than balance sheets.