Cash flow underwriting represents a transformative approach to credit assessment in the U.K. lending landscape, leveraging real-time transaction data to evaluate borrower creditworthiness with greater accuracy than traditional methods. It represents more than technological evolution—it fundamentally reshapes how financial institutions assess creditworthiness, manage risk, and serve customers.
This report provides a comprehensive analysis of the adoption and impact of cash flow underwriting on the U.K. financial services sector, examining implementation strategies, regulatory perspectives, and emerging use cases that extend beyond traditional verification. The analysis draws on primary research from a Datos Insights survey of 150 U.K. consumer lending institutions conducted in 2024 and 2025, supplemented by industry case studies and expert analysis.
Clients of Datos Insights’ Retail Banking & Payments service can download this report.
This report mentions Capital on Tap, Experian, N26, Plaid, Prism, Yodlee, and YouLend.
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