datos：2025年现金流承销：重塑借贷格局报告（英文版）

This paper examines the transformative impact of cash flow underwriting on lending, particularly in consumer lending. Drawing on extensive industry research and data from multiple sources, including surveys conducted by Datos Insights and reports from leading fintech companies, this analysis explores how cash flow underwriting is reshaping credit decisioning processes and expanding financial inclusion. The paper delves into the key drivers behind the growing adoption of this innovative a