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If the 10% interest rate cap went into effect, the immediate concern would be managing the shift for existing credit card portfolios. While high rates are understandably a sensitive issue for consumers, we can’t ignore their function in protecting card providers from the risk of delinquency and defaults.

See how cash flow underwriting enables operational efficiency and meaningful growth for lenders, how it works, and key implementation challenges to overcome.

Meeting the personalization demands of Gen Z and Millennial consumers requires a modern credit platform that focuses on product flexibility.