Thought Leadership

Artificial Intelligence
Case study
Company news
Lending
Product updates
Thought Leadership

Why “Grocery Spend” Is Not a Single Signal in Cash Flow Underwriting

Noeleene Yap
Thought Leadership

Grocery spend totals can hide meaningful differences in repayment capacity. Cash flow underwriting improves credit risk decisions when it moves beyond spend categorization to behavior.

Read Article
5
minute read
Feb 26, 2026

Why Spend Categories Rarely Move the Needle (And What Actually Does)

Noeleene Yap
Thought Leadership

Spend categorization rarely improves underwriting outcomes on its own. Durable lift comes from behavioral patterns—stability, timing, buffers, and stress response.

Read Article
5
minute read
Feb 23, 2026

Data Isn’t Your Edge. Decision Quality Is.

Noeleene Yap
Thought Leadership

Data is becoming easier to acquire. Models are becoming easier to build. Neither guarantees better outcomes. Differentiation will come from the ability to translate messy, real-world behavior into explainable, policy-ready inputs.

Read Article
5
minute read
Feb 12, 2026

No Results Found

We could not find any results based on your search. Please check back again soon as we are constantly updating our site.

Reset Filters
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

See how Carrington Labs

fits into your lending processes

REQUEST A DEMO

Solutions

Cashflow scorecredit risk modelCashflow ServicingCredit offer ENGINEfinancial health summary

Resources

AboutCareersBlogWhite Papersmarketplaceprivacy policy

Contact

book a callLinkedin
Carrington Labs is a registered business of Beforepay Group Limited, Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000. Copyright © 2025 Beforepay Group Ltd, ABN: 63 633 925 505. Terms and conditions apply. New customers are subject to eligibility criteria.

This service is not currently offered in  China, Russia or Taiwan. If you are interested in our solution, please contact us at hello@carringtonlabs.com

Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies.