Fintech Takes

Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data

26 Sep 2025

Audio

Description

Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We’re exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle. It’s risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk. So, how can we de-risk big change? And how can we design experiments to surface unknowns while keeping credit, compliance, and operational risk in check? That’s the focus of episode 2, built around a real case study: PayPal’s experiment testing whether cash flow data could strengthen underwriting for its pay-in-4 BNPL product. (Spoiler: it did.) Joining me to unpack the results are: Anand Bhushan, Global Head of Credit, Pay Later Products at PayPal and Nikki Cross, Senior Director of Data Science Solutions at Nova Credit. We dig into how PayPal built the business case for cash flow underwriting, what they learned from strong consumer uptake, real-time approvals, and scores that beat bureaus – and how Nova Credit helped de-risk the process and scale the data across the credit lifecycle. Subscribe now to catch more episodes of Cash Flow Conversations, coming soon! 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. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Anand: https://www.linkedin.com/in/anand-bhushan-60325445/ Follow Nikki: https://www.linkedin.com/in/nikkicrosspatrick/Learn more about Nova Credit here.

Transcription

This episode hasn't been transcribed yet

Help us prioritize this episode for transcription by upvoting it.

0 upvotes

🗳️ Sign in to Upvote

Popular episodes get transcribed faster

Other recent transcribed episodes

Transcribed and ready to explore now

3ª PARTE | 17 DIC 2025 | EL PARTIDAZO DE COPE

01 Jan 1970

El Partidazo de COPE

13:00H | 21 DIC 2025 | Fin de Semana

01 Jan 1970

Fin de Semana

12:00H | 21 DIC 2025 | Fin de Semana

01 Jan 1970

Fin de Semana

10:00H | 21 DIC 2025 | Fin de Semana

01 Jan 1970

Fin de Semana

13:00H | 20 DIC 2025 | Fin de Semana

01 Jan 1970

Fin de Semana

12:00H | 20 DIC 2025 | Fin de Semana

01 Jan 1970

Fin de Semana

Comments

There are no comments yet.

Please log in to write the first comment.

Report any issue

Fintech Takes

Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data

This episode hasn't been transcribed yet

Other recent transcribed episodes

3ª PARTE | 17 DIC 2025 | EL PARTIDAZO DE COPE

13:00H | 21 DIC 2025 | Fin de Semana

12:00H | 21 DIC 2025 | Fin de Semana

10:00H | 21 DIC 2025 | Fin de Semana

13:00H | 20 DIC 2025 | Fin de Semana

12:00H | 20 DIC 2025 | Fin de Semana

Sign in to Audioscrape

Share this moment