Making Better Credit Decisions: The Role of Alternative and Cash Flow Data | FICO

Brought to you by: Fair Isaac Corporation (FICO)

Kristina Robinson talks with FICO’s Jeff Feldman and investor Frank Rotman on where new data adds value, its limits, and why a common language matters.

Lenders have access to more data and more ways to say yes with greater confidence to a borrower than at any point in the industry's history. But does that automatically lead to better, or safer, lending decisions? Host Kristina Robinson, Director of Corporate Communications at FICO, sits down with Jeff Feldmann, Vice President of Product Strategy for B2B Scores at FICO, and Frank Rotman, Capital One veteran and founding partner of 37Maru and QED Investors, also known as @fintechjunkie, for a candid conversation on where innovation adds meaningful value, where practical and regulatory considerations create limits, and why a common language for credit risk matters as lenders build for both today’s environment and future economic stress.

Get the real story behind the headlines, straight from FICO, the credit score 90% of top U.S. lenders rely on.

The right signal, not just more data: New data matters when it's additive, stable, predictive, fair, and explainable.

Common language for credit risk: FICO Scores give a shared reference point across lenders, investors, and borrowers alike.

A clearer picture with cash flow: Next-gen UltraFICO Score, a credit score that combines the proven reliability of the FICO Score with real time consumer permissioned cash flow data.
Built for every economic turn: Why sound underwriting must account for economic stress, not just favorable conditions.

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Fair Isaac Corporation (FICO)

Fair Isaac Corporation (NYSE: FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management, decision management systems and professional services power more than 25 billion mission-critical customer decisions a year. Headquartered in San Rafael, California, Fair, Isaac has more than 30 offices worldwide. For the fiscal year ended September 30, 2002, the company reported revenue of $392 million. For more information, visit www.fairisaac.com.