Chris McCall, Head of Consumer Credit and Pricing at Citizens Bank, discusses innovative cash flow datasets in retail banking. Bill Garber, SVP of Credit Policy at Navy Federal, shares insights on integrating cash flow data with credit risk management. Munish Pahwa, Chief Risk Officer at Sallie Mae, highlights the importance of cash flow signals for thin-file borrowers. Together, they explore the transformative impact of cash flow data on lending models, borrower experiences, and the challenges of ensuring compliance and accuracy in a dynamic economy.
