About this episode

In this episode, Nik discusses with Andrew Endicott how cash flow underwriting and open banking data can improve credit access for underserved populations.

Credit scores feel like destiny, but they’re built on a thin record of borrowing and repayment while ignoring income, cash on hand, and real assets. That blind spot blocks credit for immigrants, younger consumers, gig workers, and anyone whose financial life doesn’t fit the classic bureau file. In this episode, Nik sits down with Andrew Endicott, co-founder of Pedal and now co-founder and GP at Gilgamesh Ventures, to talk about how cash flow underwriting and open banking data change the game,...

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