posts by author

Ema Rouf

Industry Insight

The Perfect Storm for Real-Time Credit Scoring

The credit scoring landscape is shifting from FICO to real-time cashflow analytics. Learn how bank transaction data creates more accurate, product-specific scores that predict near-term repayment better than traditional credit models.

Industry Insight

NSF Prevention in 2025: Using Cashflow Data to Predict Payment Failures

Discover how AI-powered cashflow analytics can reduce NSFs by 27% and boost repayment success. Learn why timing payment pulls with real-time income prediction is transforming credit risk in 2025.

Industry Insight

Cashflow Scores for Small Dollar and Personal Loan Providers

Discover how cashflow scores help small dollar and personal loan providers increase approvals by 60%+ while reducing defaults.

Consumer Cashflow – The data’s there, but the infrastructure isn’t.

For the past 25 years, FICO has created and standardized scores built on credit bureau data. Today, the massive increase in data sources calls for the development of new infrastructure and standards for evaluating an individual’s cashflow and financial profile.

Tracking bills and subscriptions using bank transaction data

One of the simplest things to do with pave.dev is retrieving a list of a user’s bill and subscriptions from transaction data.

Why we’re building pave.dev

Our mission is to help create a future where every person in the world has access to equitable financial services. To build towards this mission, we need to enable developers to build personalized financial experiences with as little friction and cost as possible.