• Product Sheet
Product

Cashflow Insights Cloud Solution

This solution provides consumer-permissioned access to bank and investment account data. It helps lenders verify account ownership, income, assets, expenses, and cash flow—expanding credit access responsibly while reducing risk.
Contact Us
Developer API Portal

Help Expand Access to Credit with Consumer Permissioned Bank Data

Cashflow Insights gives lenders a clear, compliant view of consumer finances by leveraging bank and investment account data that customers choose to share. By aggregating, cleansing, and categorizing this information, the solution helps financial institutions approve more applicants—including thin-file and credit-invisible consumers—without raising risk. With Cashflow Insights, you can streamline income verification, accelerate underwriting, and deliver more favorable credit decisions that support financial inclusion.
Approve More Applicants
Increase approvals by 8.2% with bank data on 40% of applicants, without raising delinquency.
Gain Lift in Predicting Delinquent Accounts 
Lenders realized average lift of 13.2% among thin-file and 8.3% among non-prime/subprime consumers*
Streamline Income Verification
Net income captured for salaried and gig workers with direct deposits.
Expedite Payments
Faster ACH and account validation for smoother payment experiences.
Uncover Revenue Opportunities
Identify new prospects among thin-file and no-hit consumers.
Support Financial Inclusion
Reduce “unscorable” populations by half, adding 5M+ prime or better consumers.
0 %

99% coverage of U.S. bank account transactions from 21,000+ providers.

0 +

1,400+ FCRA-compliant attributes (cash flow, income, assets).

0 mo

Up to 24 months of balances, spending, payment history, and income data.

Industry Applications

 

 

Cashflow Insights is designed for businesses that want to expand their credit box and meet inclusion goals.

 

Fintechs & Digital Lenders

Identify new customers confidently with alternative data.

Banks & Credit Unions

Approve more thin-file applicants and improve model accuracy.

Behind the Data: How It Works

Cashflow Insights delivers data in three simple steps:
Consent & Registration
Applicant grants permission and credentials to connect bank accounts.
Data Delivered
Lenders receive a consolidated report with income, assets, and cash flow.
Decisioning
Institutions use the insights to inform approvals, underwriting, and payments.

Confident Decisions. Broader Access.

With Cashflow Insights, you gain the clarity you need to responsibly extend credit. By combining consumer-permissioned bank data with advanced analytics, you can reduce defaults, approve more applicants, and open doors to financial inclusion.

Up-to-the-minute information

Consumer-permissioned bank transaction data is available to lenders on demand and in real time for quicker, deeper visibility and better risk decisions.

Frequently Asked Questions

A solution that provides consumer-permissioned access to bank and investment account data, enabling lenders to expand credit access and reduce risk.

Applicants grant consent to share account data, lenders receive cleansed and categorized reports, and decisions are made with expanded insights.

Over 1,400 FCRA-compliant attributes, up to 24 months of balances, income, spending, and payments.

Yes. Visit the Equifax Developer Portal for technical details.

Related Resources

Product Sheet
3 MB
Product Sheet
Cashflow Insights
Product Sheet
Product Sheet
Open Banking Solutions
Product Sheet Product Sheet

Related Products

Explore all the ways Equifax supports smarter decisioning with relevant consumer insights.
Open Banking Solutions
Expand access to credit with insights from bank transaction and cash flow data
Learn More
OneScore
OneScore leverages Equifax Amplify AI to deliver a multi-data credit score that provides more predictability
Learn More
Consumer IncomeView+
Consumer IncomeView provides fast, document-free income estimation powered by comprehensive data and Amplify AI™. Improve accuracy, cut manual verifications, and approve more consumers responsibly.
Learn More
NA

A New Path to Financial Inclusion

Expand your lending opportunities. Our solutions give you access to consumer-permissioned bank data to help you approve more customers, reduce risk, and make faster, more confident decisions.

Explore Solutions
Anchor Text

Need Help Deciding?

Connect with our sales team today to get a product consultation.