Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Subscription Data for Dynamic Underwriting
Lucas and Luna dive into how fintech lenders are tapping into real-time subscription data—from Netflix to Salesforce to gym memberships—to dynamically underwrite borrowers. They explore a specific case: a neobank in Brazil that adjusts credit limits based on recurring payment behavior, reducing defaults by 18%. The hosts discuss the mechanics, the privacy trade-offs, and whether this is the future of credit scoring. Along the way, they touch on the role of open banking APIs, the problem of thin-file borrowers, and why a $4.99 monthly charge can matter more than a credit score. This episode is…
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