FT x Nova Credit Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 4: The Cash Flow Bureau of the Future

Sep 30, 2025

In this session, Chris Hansen, GM of Cash Atlas Solutions at Nova Credit, dives into the potential of cash flow data in reshaping credit analytics. He discusses a visionary cash flow-based credit bureau built on three pillars: persistent data access, innovative analytics, and regulatory compliance. The conversation explores how consumer-permissioned data can empower borrowers while complicating lender workflows. Chris also highlights the future opportunities for real-time data in account management and the evolving role of banks in consumer finance.

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INSIGHT

Three Pillars Of A Cashflow Bureau

Nova Credit frames a cashflow bureau around three pillars: infrastructure, analytics, and compliance.
These pillars address persistent access, time-series analytics, and regulatory alignment with consumer permissioning.

INSIGHT

Persistent Access Enables Lifecycle Use

Persistent access means persistent consent for one consumer across multiple use cases with refreshable connections.
Real-time refreshes enable servicing and account monitoring beyond initial underwriting.

INSIGHT

Reuse Across Lenders Requires Architecture

Persistent access also includes frictionless reuse of a consumer's permission across multiple lenders and platforms.
That reuse requires careful choices about data storage, revocation, and industry credentialing.

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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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