Credit’s new frontier: Cross-border records and the role of cash flow data
2024/10/15
再生時間： 24 分
ポッドキャスト

カートのアイテムが多すぎます

ご購入は五十タイトルがカートに入っている場合のみです。

カートに追加できませんでした。

しばらく経ってから再度お試しください。

ウィッシュリストに追加できませんでした。

しばらく経ってから再度お試しください。

ほしい物リストの削除に失敗しました。

しばらく経ってから再度お試しください。

ポッドキャストのフォローに失敗しました

ポッドキャストのフォロー解除に失敗しました

Credit’s new frontier: Cross-border records and the role of cash flow data

無料で聴く

ポッドキャストの詳細を見る

サマリー
In this episode, Misha Esipov, co-founder and CEO of Nova Credit, joins host Vince Passione to discuss the millions of “Credit Invisible” people in the country, and how innovations in credit reporting can help more lenders reach and serve them.

Key takeaways:
0:00 Introduction
1:29 Millions of people arrive in the U.S. each year, many of whom have been credit-worthy in their respective nations but the U.S. credit system doesn’t recognize their credit history.
2:19 There are around 100 million Americans whose credit data is inaccurate or incomplete and are missing out on loan opportunities as a consequence.
5:04 An overview of Nova Credit’s three core products: Cash Atlas, Income Navigator, and Credit Passport.
8:10 How, as a credit reporting agency (CRA) Nova Credit furnishes data to lenders and other credit bureaus.
9:00 The three core swimlanes of Nova Credit’s operations: data collection, analytics, and FCRA compliance.
9:48 The challenges preventing cash flow data from being recorded in traditional credit reporting bureaus' data–and the benefits for consumers and lenders when it is captured and used.
13:35 How government stimulus incentives issued through the pandemic may have skewed consumer credit information, and is leading to long-term underperformance on certain loans.
15:57 How Buy Now Pay Later transactions remain under-reported.
18:47 Augmenting underwriting with cash flow information is a journey. Any step towards it is progress.
21:09 Key takeaways from the inaugural Cash Flow Underwriting Summit, held in September 2024.

Resources Mentioned:
https://www.novacredit.com/ Nova Credit
https://www.unfcu.org/ United Nations Federal Credit Union
https://www.novacredit.com/cash-atlas Cash AtlasTM
https://www.novacredit.com/income-navigator Income Navigator
https://www.novacredit.com/credit-passport Credit Passport®
https://www.cashflowunderwritingsummit.com/ Cash Flow Underwriting Summit 2024

Thanks for listening to the 22 Minutes in Lending podcast. If you enjoyed this episode, please leave a 5-star review to help get the word out about the show and be sure to subscribe so you never miss another insightful conversation.

#CreditUnions #Lending #CreditReporting
続きを読む一部表示

あらすじ・解説

In this episode, Misha Esipov, co-founder and CEO of Nova Credit, joins host Vince Passione to discuss the millions of “Credit Invisible” people in the country, and how innovations in credit reporting can help more lenders reach and serve them.

Key takeaways:

0:00 Introduction

1:29 Millions of people arrive in the U.S. each year, many of whom have been credit-worthy in their respective nations but the U.S. credit system doesn’t recognize their credit history.

2:19 There are around 100 million Americans whose credit data is inaccurate or incomplete and are missing out on loan opportunities as a consequence.

5:04 An overview of Nova Credit’s three core products: Cash Atlas, Income Navigator, and Credit Passport.

8:10 How, as a credit reporting agency (CRA) Nova Credit furnishes data to lenders and other credit bureaus.

9:00 The three core swimlanes of Nova Credit’s operations: data collection, analytics, and FCRA compliance.

9:48 The challenges preventing cash flow data from being recorded in traditional credit reporting bureaus' data–and the benefits for consumers and lenders when it is captured and used.

13:35 How government stimulus incentives issued through the pandemic may have skewed consumer credit information, and is leading to long-term underperformance on certain loans.

15:57 How Buy Now Pay Later transactions remain under-reported.

18:47 Augmenting underwriting with cash flow information is a journey. Any step towards it is progress.

21:09 Key takeaways from the inaugural Cash Flow Underwriting Summit, held in September 2024.

Resources Mentioned:

https://www.novacredit.com/ Nova Credit
https://www.unfcu.org/ United Nations Federal Credit Union
https://www.novacredit.com/cash-atlas Cash AtlasTM
https://www.novacredit.com/income-navigator Income Navigator
https://www.novacredit.com/credit-passport Credit Passport®
https://www.cashflowunderwritingsummit.com/ Cash Flow Underwriting Summit 2024

Thanks for listening to the 22 Minutes in Lending podcast. If you enjoyed this episode, please leave a 5-star review to help get the word out about the show and be sure to subscribe so you never miss another insightful conversation.

#CreditUnions #Lending #CreditReporting

続きを読む一部表示