A new standard for credit decisioning

Experian® and Plaid have joined forces to unlock a more holistic view of consumer financial health — giving lenders a single, comprehensive solution to expand their reach.

By combining Experian’s industry-leading analytics and insights with Plaid’s real-time, consumer-permissioned cash flow data, lenders gain a competitive edge: smarter decisions, broader visibility and more inclusive lending.

 

Expand the lending universe

Leverage Experian’s extensive consumer credit data with the largest open banking data network from Plaid to find more customers.

Assess risk with greater precision

Tap into industry-leading cashflow attributes, insights and analytics for a deeper, more accurate view into borrower profiles.

Increase approval rates

Score more consumers with real-time cash flow insights to enable greater financial access and more inclusive lending.

Fast and secure account linking

Access real-time cash flow data with Plaid’s account linking experience that’s used by 1 in 2 U.S. bank account holders.

Drive financial inclusion and smarter risk assessment

Explore Experian’s proprietary cashflow insights and open banking capabilities.

Cashflow Attributes

Increase approval rates by up to 30% with 970+ individual cashflow attributes across 133+ advanced categories.

Cashflow Score

The Cashflow Score leverages Experian Cashflow Attributes to increase model performance by up to 25%.

Open banking solutions

Harness the power of open banking to unlock new business opportunities.

Insights

Case study

Leveraging cash flow data across diverse borrowers

Learn how you can confidently assess and serve diverse borrower segments. 
Infographic

Growing your portfolio with cashflow insights

Learn how to leverage cashflow insights to expand credit access.
Press release

Experian and Plaid team up

See how our partnership is reshaping the future of lending and financial inclusion.
Infographic

Smarter lending starts with greater visibility

Get a glimpse at how Experian and Plaid are powering smarter, more inclusive lending.
Blog post

Smarter decisions, made simple with Experian and Plaid

Discover how Experian and Plaid are teaming up to power faster, smarter and more inclusive lending.
Tip sheet

Cashflow scores — the future of lending

Explore how cash flow data empowers lenders to drive strategic growth.
Blog post

New integration with Plaid expands access to credit through cash flow insights

Learn how our work with Plaid is changing the credit landscape.

Unlock smarter credit decisioning with Experian and Plaid

If you’d like to learn more about bringing cash flow insights into your lending strategies, please fill out the form below.

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