Nikki Cross

Senior Director of Data Science Solutions at Nova Credit, specializing in implementing cash flow data solutions, experiment design, and lender integrations.

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Sep 26, 2025 • 44min

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

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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