Скачать или смотреть Can AI get you a better loan?

Michelle Young from @PlaidInc and Ashley Knight from @Experian discuss how real-time cash flow data, paired with AI, could empower your personal digital assistant to negotiate smarter lending terms—if you choose to share your data.

The future of consumer finance depends not just on data, but on trust. This clip explores how tech, transparency, and user consent are converging to create a more dynamic lending landscape.

#BreakingBanks #CashFlowData #OpenFinance #ConsumerTrust

Watch the full episode →    • Smarter Lending: Expanding Credit Access a...  



This week on Breaking Banks, join us as we explore how real-time data is helping lenders understand financial behaviors beyond traditional credit scores, as Plaid, the largest financial data network, and Experian, a leading data technology company, join forces via their new partnership.

Watch as Michelle Young, Credit Product Lead at Plaid, and Ashley Knight, SVP of Product Management at Experian, connect with host Brett King to discuss how this new partnership is providing proven risk insights and real-time cash flow data to banks, credit unions, and consumer lenders, and the potential it brings for a major change in lending.

Datos Insights’ Stewart Watterson also joins to offer insights on two critical industry challenges that the availability of real-time cash flow data addresses: creating pathways to credit for underserved consumers, and for financial institutions, expanding the consumer lending addressable market while improving the ability to manage credit risk. It’s a win-win!

This episode is not to be missed! Lend smarter and get ahead of the curve to learn how cashflow and credit data can fuel business performance and competitive advantages now!

What You’ll Learn:

Why cash flow data is becoming the new credit score

How open banking enables financial inclusion for “thin file” borrowers

Real-world use cases driving lender adoption today

The role of Agentic AI in real-time credit decisioning

What CFPB Rule 1033 means for the future of open finance

About Our Guests:

Michelle Young, Credit Product Lead at ‪@PlaidInc‬ builds consumer-permissioned cash flow tools that power smarter, more inclusive lending. With prior roles at Figure, SoFi, and EY, she’s at the forefront of open banking innovation.

Ashley Knight, SVP of Product Management at ‪@experian‬ leads credit innovation through alternative data and open finance. Her work helps lenders harness real-time insights for better portfolio and risk management.


Connect With Plaid:

Linkedin:   / plaid-  
Instagram: https://www.instagram.com/plaid/?hl=en
X: https://x.com/Plaid

Connect With Experian:

Linkedin:   / experian  
Instagram:   / experian.us  
X: https://x.com/experian

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Link to full transcript: https://provoke.fm/summarized-transcr...