The Experian Cashflow Data Bureau operates under the Fair Credit Reporting Act (FCRA) and builds on Experian’s experience in credit, consumer reporting and analytics, according to the release.
“We’ve spent decades building the trusted data, analytics, technology and expertise financial institutions depend on every day,” Experian North America CEO Jeff Softley said in the release. “With Experian Cashflow Data Bureau, we’re applying that experience to cash flow and making it easier for our clients to adopt these insights with confidence and at scale.”
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Experian has found that when cash flow insights are paired with credit data, predictive performance increases by as much as 40%. These insights can also help lenders increase approvals by up to 25% without adjusting their risk tolerance, according to the release.
The Experian Cashflow Data Bureau is designed to serve as a single, trusted provider that can help financial institutions leverage banking information to gain a more complete view of consumer financial health, the release said.
The Experian Cashflow Data Bureau enables consumers to connect and permission access to their bank accounts through Experian when applying for credit; organizes, categorizes and aggregates consumer-permissioned bank account transaction and balance information into a consumer report that is regulated by the FCRA; and offers custom analytics and consulting services that help lenders integrate cash flow insights into their existing underwriting strategies, per the release.
“By helping lenders understand a more complete picture of consumers’ financial lives, we can power more informed decisions and ultimately help more consumers access the financial products and services they need, when they need them,” Softley said.
PYMNTS reported in September 2025 that cash flow data lets banks see borrowers that FICO scores miss.
Conventional underwriting, which relies on static measures such as credit scores, outstanding debts and past payment histories, often fail to capture a consumer’s current financial capacity, especially for applicants with thin or no credit file, the report said.
Cash flow-based underwriting seeks to close this gap by evaluating an applicant’s actual income and spending patterns. With the applicant’s consent, lenders review transaction data from bank accounts, payroll depositsand digital wallets to measure the borrower’s ability to service debt, per the report.
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