In this episode, Alex chats with Tim Bates, Principal at Efficient Frontier Risk Strategies, about his groundbreaking (forthcoming) report on cash flow underwriting—“Credit Risk Underwriting: A Practical Credit Risk Implementation Guide for Lenders”—which Alex is excited to announce is the first episode in a new Fintech Takes series featuring research reports by experts in the broader FT network. 

Here’s the big question: can traditional credit underwriting, built on static snapshots of income and assets, actually keep up with shifting cash flow today? Can a single point-in-time really predict someone’s ability to repay debt, or is it time for a rethink?

Open banking and real-time cash flow data promises to transform lending by offering a more accurate, dynamic view of a borrower’s financial health. But what does that mean for risk management, financial inclusion, and the future of credit?

And, will this innovation mark the dawn of a new era in lending…or get stuck in the “wait-and-see” limbo? 

Tune in for a lively chat about the future of lending and why cash flow underwriting might just be the stray puzzle piece we’ve been waiting for.

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LinkedIn: https://www.linkedin.com/in/timbates2/

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