Underwriting mechanisms !!!

Hey Viners, wanted to know if the fintech companies have access to bank data, can they train models on these data and create better Credit Underwriting models ???

Would like to know your opinions on this especially fintech veterans and product and Engineering folks.

31mo ago

DizzyPanda

Wayfair

31mo

Account Aggregator platforms allows you to fetch bank statements with user consent and derive variables as per the use cases.

BubblyCoconut

Stealth

31mo

Absolutely. Every fintech that has (or asks for access) to bank statements creates their own models based on the data. Tools like Perfios are used to machine read bank statements.

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