Fintech Takes Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data
Sep 26, 2025
Join Anand Bhushan, PayPal's Global Head of Credit, and Nikki Cross from Nova Credit as they explore the revolutionary use of cash flow data in lending. They discuss how PayPal crafted a business case for integrating cash flow insights, finding extraordinary consumer uptake and real-time underwriting success. The duo dives into the innovative experiments designed to minimize risks, tackle privacy issues, and the future potential of cash flow data across various products. Their insights reveal valuable strategies for scaling in the financial landscape.
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Start With A Low-Risk Fast Test
- Start experiments in a low-risk, high-feedback segment to learn fast.
- Use decline/second-look flows so you minimize credit and operational risk while proving value quickly.
Test Where Decisions Must Be Real-Time
- Choose a high-stress, short-cycle product to validate real-time capabilities.
- If cash flow underwriting works in checkout BNPL it likely generalizes across other products.
Plan For No Retrofiles And Cross-Function Work
- Build a test strategy without relying on retrofiles and use proxies where needed.
- Plan cross-functional resources early since consumer-permissioned data needs product, engineering, and legal support.