Case Study
Published September 9, 2025
Credit Decisioning Data Sources Financial Inclusion
Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including:
- Gig workers and freelancers with fluctuating income
- Small business owners with nontraditional cash flow patterns
- Thin-file and new-to-credit consumers lacking traditional credit history
- Subprime borrowers demonstrating positive financial behavior
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Webinar
Smarter Prospecting: Turning Data into Demand
The credit marketing landscape is evolving. As competition intensifies and consumer expectations rise, financial institutions that can predict, personalize and perform at scale will define the next generation of success.
In this webinar, our experts explore how financial institutions can use connected intelligence to find, know and grow the right customers, leading to:
- Smarter acquisition
- Stronger customer retention
- More proactive growth
White Paper
Unlocking credit potential: the financial behavior and creditworthiness of ITIN holders
ITIN holders are active, responsible participants in the U.S. credit economy — yet many remain overlooked by traditional lending models.
Our white paper takes a closer look at this financially active and resilient population, revealing key insights into their credit performance and long-term growth potential.
Some findings include:
- Most ITIN holders are concentrated in states that represent a large share of the U.S. economy: California, Texas and New York.
- 76.9% of ITIN holders remained current on trades after 12 months, a rate 15% higher than SSN consumers.
- ITIN holders maintain a lower debt-to-income ratio (25%) than SSN consumers.
Read the full white paper for more insights.
Tip Sheet
A companion piece to Bridging the credit divide: income, risk and inclusion in consumer finance
This summary outlines important research findings that help lenders drive a more inclusive environment for customers, while mitigating risk.
A few takeaways:
- Understanding the profiles of who’s more prone to exclusion informs risk management.
- Machine learning techniques can also be deployed to help detect economic interaction effects or shifts.
- Attributes like education level, occupation or rent/utilities payment history have predictive power in credit outcomes.
Webinar
Unlocking alternative data for smarter fintech decisions
Join Ashley Knight, Experian’s SVP of Product Management, and Haiyan Huang, Prosper’s Chief Credit Officer, to discover how:
- Alternative finance data is redefining how to verify and connect identities.
- Email and phone intelligence is unlocking new levels of precision in credit marketing.
- Open banking insights are becoming increasingly critical for financial inclusion and mitigating risk.