Cladfy Blogblog.cladfy.com·Jan 14, 2024Alternative Data is Changing Credit.As credit underwriting turns from common sense and logic-driven to - Machine learning, AI, and Big Data Analytics; Lenders are moving from relying solely on traditional reports to checking account transactional data such as online shopping habits, sa...#creditscore
Cladfy Blogblog.cladfy.com·Nov 16, 2023Revolutionizing Credit Underwriting with Cash Flow Data.Introduction When it comes to credit profiling and credit scoring, a substantial population has continuously been unintentionally overlooked by traditional systems. These individuals —the 'Invisibles', 'no hits', 'thin files',... often lack a footpri...47 readsCash Flow Underwritingcashflow
Cladfy Blogblog.cladfy.com·May 24, 2023Complex CoordinationComplex coordination is a modality of innovation that involves the orchestration of multiple actors, resources, and activities in order to create new products, services, or processes. It is often characterized by a high degree of uncertainty and comp...160 readsCompanyPeter Thiel
Cladfy Blogblog.cladfy.com·Jan 14, 2023Importance of cash flow data in Credit AssessmentCash flow is an important aspect of credit scoring because it helps lenders determine a borrower's ability to repay a loan. Lenders use cash flow data to assess a borrower's income and expenses, as well as their ability to manage their money. For exa...42 readsProductcash flow
