November 2025
8 Questions to Ask Before Deploying a Cash Flow Score
Key takeaways
- Translate transaction data into decisions. Build stable, explainable signals and connect them to approval, pricing, limits, and terms to improve portfolio margin.
- Balance innovation with governance and fairness. Protect data ownership and competitive use, avoid proxy features, and monitor stability, drift, calibration, and fairness with clear thresholds.
- Ship with discipline, tied to P&L. Avoid feature bloat; favor economically meaningful, explainable features; align model choices and error functions to business economics; and follow a 60-day plan from governance to live pilot.
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