Navigating the Shifting Currents of Cash Flow Underwriting

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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