Financial data aggregator Plaid created LendScore, its AI-driven credit risk tool, to provide an alternative to the slim view lenders get from traditional credit files.   AI-driven LendScore is built on cash flow and behavioral data drawn from more than 1 million financial transactions each day across the Plaid network to drive lending decisions, Mitch Cook, head of credit go-to-market, said at Plaid’s Effects conference on May 21. Rather than scoring repayment history alone, it evaluates income, spending and cash flow stability and how those patterns shift over time, Cook said, adding that the model tends to […]