The Lendiro Blog
Alternative credit, cash-flow underwriting, thin-file lending
Technical and strategic writing from the Lendiro team — on credit models, open banking data, Regulation B compliance, and the 45 million Americans bureau models can't score.
The 45 Million: Understanding Credit Invisibility in America
Why 45 million Americans lack a FICO score, and what that means for lenders trying to grow responsibly.
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Cash-Flow Underwriting: What It Is and Why It Works
Bureau scores summarize credit history. Cash-flow underwriting reads what actually happened in the borrower's bank account. Here's the difference.
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Using Open Banking Data for Credit Decisions: A Technical Primer
How transaction-level bank data flows into a credit model — from API connection to feature engineering.
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Why BNPL Platforms Have a Thin-File Default Problem
BNPL's best customers often have no bureau history. Here's what lenders are getting wrong in how they evaluate them.
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Cash-Flow Velocity: The Feature Bureau Models Are Missing
How the rate of change in inflows and outflows predicts repayment behavior better than a static snapshot score.
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Alternative Data and Fair Lending: What You Need to Know
ECOA and Regulation B still apply when you use alternative data. Here's how to build a compliant credit model.
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The Neobank Credit Expansion Playbook
How deposit-active customers with thin files are the highest-value lending opportunity neobanks are leaving on the table.
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Why Credit Decision Latency Matters at Point of Sale
Every second of decision wait time reduces conversion. What sub-second underwriting actually requires at the infrastructure level.
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Recurring Payments as a Credit Signal: The Overlooked Indicator
Someone who pays rent, subscriptions, and utilities on time every month is demonstrating creditworthiness. Here's how to score it.
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Adverse Action Notices When Using Alternative Data
Regulatory guidance on adverse action reason codes is still catching up with alternative data models. Here's what compliance teams need now.
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Digital Lender Approval Rate Benchmarks: Where Is Your Platform?
Aggregated data on approval rates, thin-file decline rates, and revenue impact across digital lending segments.
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Transaction Graph Features: Moving Beyond Simple Aggregates
How modeling the network structure of a borrower's transactions — not just their totals — reveals hidden creditworthiness signals.
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