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White Paper

April 2025

Rethinking credit to protect lenders and consumers

This whitepaper explores how today’s most effective credit risk models move beyond traditional scores to assess actual financial capacity.

Key takeaways
  • Traditional credit scores rely on outdated signals and may overlook both hidden risks and strong borrowers with limited credit history.
  • Combining cash flow underwriting, behavioural insights, and machine learning offers a more accurate picture of financial health.
  • Capacity-based lending helps reduce default risk, support fairer lending outcomes, and unlock growth in consumer and small business lending.
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