Agenda

8:00 am

Breakfast & Registration

9:15 am

Keynote

Welcome/Opening Keynote: Cash Flow Intelligence Goes Mainstream

Details

Traditional credit scoring has left too many creditworthy consumers misunderstood by lenders. Today, technology infrastructure has evolved so rapidly that cash flow data is increasingly deployed alongside traditional bureau data with the same reliability and scale.‍The momentum is undeniable—lenders across every segment are exploring how real-time financial data can unlock growth opportunities while maintaining strong risk management. We will examine the current state of cash flow underwriting adoption and what the acceleration in technology infrastructure means for the future of credit decisioning.

Speakers:

Nikki Cross

Senior Director, Data Science Solutions

Nova Credit

Misha Esipov

Co-founder & CEO

Nova Credit

9:40 am

mainstage event

The 2026 Consumer: Reading the Macro Signals

Details

A clear-eyed look at the forces shaping consumer credit in 2026: rates, employment, delinquency trends, and household balance sheets. What the data actually says about where consumers stand, and how lenders should position for the year ahead.

Speakers:

Jen Lundstrom

Head of Lending

Nova Credit

Dave Wasik

Partner

2nd Order Solutions

Chris Wheat

President

JPMorganChase Institute

10:15am

Break

10:40 am

panel discussion

The Flexible Future: Why Bank Data Flexibility Wins

Details

No two lenders consume data the same way, and as the ecosystem matures, flexibility across access, governance, and infrastructure is becoming the real competitive edge. Leaders from across the stack discuss how to build a data strategy that adapts as fast as the market does.

Speakers:

Chris Hansen

GM, Global Partnerships and Alliances

Nova Credit

Jennifer Miller

Global Head of Banking and Payments GTM

Databricks

Paul LaRusso

CEO

Akoya

11:15 am

mainstage event

Pushing the Frontier of Third-Party Intelligence

Details

The next wave of underwriting isn't just about more data. It's about smarter signals from unexpected places. A candid conversation on where third-party and alternative intelligence is headed, and how the sharpest players are turning it into durable advantage.

Moderator:

Alex Johnson

Founder

Fintech Takes

Speakers:

Juan Hernandez

Head of Credit & Underwriting

Block Inc

11:55 am

Panel Discussion

Lessons in Risk Separation: What Cash Flow Data Reveals

Details

The promise of cash flow data is sharper separation: finding the creditworthy borrowers the bureau misses and the risk it hides. Veteran risk leaders share hard-won lessons on building, validating, and trusting models that see what traditional data can't.

Moderator:

Nikki Cross

Senior Director, Data Science Solutions

Nova Credit

Speakers:

Sanjeev Malkani

VP, Global Head of Credit Strategy

Paypal

Ash Gupta

Board Chairman

Corridor Platforms

12:35 pm

Lunch

1:35 pm

PANEL Discussion

The Bread and Butter of Cash Flow Intelligence

Details

The everyday wins that add up. Lenders across cards, installment, and originations share concrete proof points, from swap-set analysis to credit line management, on where cash flow data is already delivering lift in production today.

Moderator:

Jen Lundstrom

Head of Lending

Nova Credit

Speakers:

Matt Zalubowski

Chief Commercial Officer and Chief Marketing Officer

Atlanticus

Michael Krzysko

Risk Product Management

Imprint

2:15 pm

PANEL Discussion

Persistent Access: Unlocking Value Across the Lifecycle

Details

One-time data pulls are giving way to persistent access, and with it a new set of possibilities across the customer lifecycle. Hear how leaders are using always-on financial data to power everything from underwriting to retention, with real results from the field.

Moderator:

Akaash Gupta

Rental Housing Partnerships

Nova Credit

Speakers:

Patrick Hennessey

VP and General Manager: Resident

Yardi

Debtosh Banarjee

President

Seen Financial

2:50 pm

Panel Discussion

Fraud Intelligence: Staying Ahead of the Next Threat

Details

Fraud is evolving faster than ever, and cash flow signals are becoming a powerful new line of defense. Experts break down the rising threats, including synthetic identity and first-party fraud, and how real-time financial data helps lenders catch what other tools miss.

Moderator:

Shawn Budde

General Partner

Ensemblex

Speakers:

Pablo Abreu

Chief AI & Innovation Officer

Socure

Xi Wang

Chief Credit Officer

Seen Financial

Doug Mihalow

Head of Fraud Strategy

Cambridge Savings Bank

3:20 pm

Break

3:40 pm

Mainstage event

The Agentic Era of Consumer Lending

Details

AI agents are moving from novelty to infrastructure, and consumer lending is next. A look at how agentic applications will reshape underwriting, servicing, and the customer experience, and what leaders should be building toward right now.

Speakers:

Jeff Reitman

Investor and Builder

Entropy Ventures

Greg Jacobi

Leader-GTM Banking

Anthropic

4:10 pm

Keynote

Closing Keynote: Leading Through the AI Era

Details

Every leader is now an AI leader, ready or not. A wide-ranging conversation on what it takes to steer an organization through rapid technological change: where to place bets, how to bring teams along, and how to stay grounded when the playbook is being rewritten in real time.

Speakers:

Misha Esipov

Co-founder & CEO

Nova Credit

Hans Morris

Managing Partner

Nyca Partners

4:45 pm

Closing remarks

Final Thoughts

Details

Final Thoughts and Looking Forward

Speaker:

Nikki Cross

Senior Director, Data Science Solutions

Nova Credit

5:00pm

Cash Flow Intelligence Summit 2026

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Agenda

Breakfast & Registration

Welcome/Opening Keynote: Cash Flow Intelligence Goes Mainstream

The 2026 Consumer: Reading the Macro Signals

Break

The Flexible Future: Why Bank Data Flexibility Wins

Pushing the Frontier of Third-Party Intelligence

Lessons in Risk Separation: What Cash Flow Data Reveals

Lunch

The Bread and Butter of Cash Flow Intelligence

Persistent Access: Unlocking Value Across the Lifecycle

Fraud Intelligence: Staying Ahead of the Next Threat

Break

The Agentic Era of Consumer Lending

Closing Keynote: Leading Through the AI Era

Final Thoughts

Cocktail Reception

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