Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Payment Data for Dynamic Underwriting
Episode 107 of Fintech Conversations with Fexingo dives into a fast-growing trend: using real-time payment data to adjust loan terms on the fly. Lucas and Luna explore how companies like Kabbage and Stripe are leveraging transaction streams to underwrite small businesses more accurately, with a specific focus on a 2025 pilot from a major U.S. bank that cut default rates by 18 percent. They discuss the mechanics of dynamic underwriting, the role of open banking APIs, and the risks of over-reliance on payment velocity. Plus, a candid moment about what keeps the podcast ad-free…
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