Power your Customer Cash Flow & Credit Data with

    CASH FLOW
    INTELLIGENCE
    LAYER

    to optimize your CONSUMER UNDERWRITING

    and push your CREDIT RISK FRONTIER

    Risk - Default RateGrowth - Approval Rate

    Benefits

    CFILayer solution enables our clients to

    Identify various types of income

    Increase UW speed

    Approve more from declined requests

    Lower CAC & UW Cost

    Reject high likelihood defaults

    Lower Default Rates

    Approve higher amount offers

    Increase LTV / Revenues

    Better time customer payments

    Lower Ops Costs

    Deploy Cash Flow UW faster

    Reduce R&D Time

    Flexible Outputs

    CFILayer API provides outputs for multiple use cases & as per your requirement.

    Flowchart
    Enrich

    Transactions enriched with categories & recurring patterns for finance insights & budgeting

    https://cfil.fincepta.com/{client_id}/enrich
    Attributes

    Powerful attributes & risk features from cash flow or credit data for building custom scores

    https://cfil.fincepta.com/{client_id}/attributes
    Scores

    Pre-built, robust & compliant risk scores to optimize your credit risk frontier

    https://cfil.fincepta.com/{client_id}/scores
    Project

    Projected balances & transactions for smart payment timing & splits to improve collections

    https://cfil.fincepta.com/{client_id}/project
    Income

    Multiple types of income identified from transaction data to speed up customer underwriting

    https://cfil.fincepta.com/{client_id}/income
    Liabilities

    All types of liabilities identified from credit & transaction data & an accurate ability to pay

    https://cfil.fincepta.com/{client_id}/liabilities

    Quick Integration

    Through our secure CFILayer API.
    We don't need, use or store any PII data.

    Request Docs

    Predictive Power

    We capture maximum predictive
    alpha in a compliant way by focussing on
    →

    Classification Accuracy
    We focus on accurately classifying transactions utilizing an ensemble of various methods as noise leads to drop in predictiveness
    Risk-Aware Taxonomy
    Our transaction category taxonomy not only caters to personal finance product use case but specifically targets risk use case
    Predictive Features
    We provide features which truly capture the essence of cash flow underwriting, purposefully crafted to predict risk, not just simple insights

    Custom Scorecard

    We build a custom model trained on your data for your specific product & covering multiple data sources, while ensuring
    ←

    Internal Compliance
    We provide our own adverse actions with perspective on FCRA & ECOA compliance but also iterate with your internal legal & compliance teams
    Performance Privacy
    Performance Privacy
    Our customized scorecard offering is an add on service & we don't force our clients to continuously share their precious performance data
    Model Robustness
    We deliver stable, tested, well documented, fair & explainable models with ongoing monitoring & re-training instead of overfitted black boxes

    Experience

    Previously we’ve built cutting-edge Cash Flow risk models & Underwriting Engines at

    Frequently Asked Questions

    Get answers to common questions about CFILayer solution

    Contact Us

    Optimize your consumer underwriting & enrich bank transactions using our powerful CFILayer API and customized solutions.

    Schedule a meet: Calendar

    Email us: info@fincepta.com

    Phone: +1-646-610-3023