Q3 2025 Report: Rethinking Credit Scoring in the Age of Shifting Financial Behaviors

See how real-time bank and payment intelligence is transforming credit decisioning. Traditional scores offer a static view, but today’s fast-changing financial behaviors demand more. ValidiFI layers predictive signals like account volatility, ACH patterns, and identity stability to uncover risks and opportunities missed by conventional scoring. Lenders gain instant visibility into financial health, enabling smarter approvals, fewer defaults, and stronger portfolio performance. Discover how leading institutions are using ValidiFI’s vCredit insights to expand access confidently while mitigating fraud and compliance challenges.