Tech Talk: Lending smarter with cash flow data` The conversation revolves around the use of cash flow data in lending, highlighting its role in providing a holistic view of borrowers' financial situations. The discussion emphasizes how this data supports more insightful credit decisioning, improving user experience and reducing risk for both lenders and borrowers. Leading fintech companies, such as SoFi and Oportun, are leveraging cash flow data to offer superior credit products, with the help of Plaid's standardized data fields. By using cash flow data, these lenders can optimize use cases, customize offers, and gain a competitive edge in the market. The conversation also touches on the importance of trust and transparency when it comes to sharing financial data, as well as the potential for AI-powered lending experiences. Ultimately, the discussion encourages lenders to start leveraging cash flow data to improve their credit decisioning processes.