AI Is Shifting the Focus of Credit Underwriting from Borrowers to Individual Transactions

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A report by PYMNTS Intelligence and Thredd finds that AI-powered credit is shifting the focus of underwriting from the borrower as a whole to individual transactions and the surrounding cash flow. Credit structures can be adjusted for each transaction, allowing different purchases by the same customer to use revolving credit, installment payments or debit, with terms, repayment arrangements and pricing set flexibly.