vINSIGHTS

Unlock intuitive cash-flow insights

Utilize our cash flow insights report for a more holistic view of consumer financial behavior including inflows, outflows, and affordability

Solution Overview

For financial service providers, obtaining a clear understanding of a consumer’s financial health is essential when making decisions for loans, payments, and credit decisions.

Cash flow underwriting can provide lenders and financial service providers provide a comprehensive overview of an individual’s ability to manage their finances effectively. 

how it helps

vInsights performs a deep behavioral analysis of bank transaction history to help evaluate risk, ability to pay, ownership, and fraud signals.

vInsights provides a report offering information on:

  • Account balance, affordability, and stability
  • Detailed analysis of inflow and outflow behavior
  • Affordability and payment recommendations
  • Risk scores and payment default rankings
How It Works

vInsights

Accessing cash-flow data for more informed decision-making is easy:

KEY BENEFITS

The value for your business

Comprehensive Report

Comprehensive report format for quick access to the information needed to assess capacity and ability to pay

FCRA-Compliant

Can be used for underwriting and credit decisions with adverse action codes

More Informed Decisions

Optimize credit line offers and strategic product placements

Related resources

Revolutionizing Credit Unions: How ValidiFI’s Risk Management Tools are Changing the Game

As we cautiously wade through 2023, credit risk remains a top concern for financial institutions, particularly credit unions. Credit unions are financial institutions that provide services such as...

Elevating Bank Account Validation and Risk Assessment to New Heights

Here at ValidiFI®, we’ve been diligently enhancing and expanding our predictive bank account and payment intelligence offerings to better serve your ever-evolving compliance, bank account validation...

Nacha Announces ValidiFI as a Preferred Partner for Account Validation

ValidiFI is now a Nacha Preferred Partner for Account Validation. In becoming a Preferred Partner, ValidiFI joins a select group of innovators that Nacha recognizes for offering products and services...

Related products

vConnect

Pair with vInsights for an intuitive user login experience and consolidate vendors

vAuth

Authenticate consumer access to a bank account with real-time microdeposits.

vAccount +

Validate bank accounts and unlock critical insights

FAQS & ANSWERS

Frequently asked questions

vInsights is a comprehensive cash-flow insights report that looks at bank flow transactions to help identify risky behavior.

 

vInsights performs a deep behavioral analysis of bank transaction history to evaluate risk, ability to pay, ownership, and fraud signals.

ValidiFI has modeled millions of financial outcomes – from lending, payments, banking, and insurance – to deliver the industry’s most predictive scores and rule sets for ability to pay and payment risk.

 

vInsights can be leveraged with third-party login solutions to help categorize transaction data into an easily digestible report that offers a better understand a consumer’s financial behavior.

Many organizations and lenders leverage vInsights to assess risk, make more informed credit offers, and assess affordability.  

Ready to Get Started?

Contact us