--- title: Accelitas Insights Blog | data waterfall description: data waterfall | Accelitas® is reimagining financial access through the transformative power of data. Our AI-powered data analytics deliver fast, fair and frictionless ways to help businesses grow by confirming identity, predicting credit, and reconciling data and enabling payments --- [![accelitas-circle-logo\_bright-green\_web](https://knowledge.accelitas.com/hs-fs/hubfs/accelitas-circle-logo_bright-green_web.png?width=1500&height=1501&name=accelitas-circle-logo_bright-green_web.png "accelitas-circle-logo_bright-green_web")](http://www.accelitas.com) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/bank-account-validation) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Use Cases](https://www.accelitas.com/use-cases) - [Industries We Serve](https://www.accelitas.com/use-cases) - [Collections](https://www.accelitas.com/use-cases-collections) - [Billers](https://www.accelitas.com/use-cases-billers) - [Fintechs](https://www.accelitas.com/use-cases-fintechs) - [Storefront Lending](https://www.accelitas.com/use-cases-storefront) - [Payroll Providers](https://www.accelitas.com/use-cases-payroll-providers) - [Payment Processors](https://www.accelitas.com/use-cases-payment-processors) - [Resources](https://www.accelitas.com/resources-overview) - [Resources Overview](https://www.accelitas.com/resources-overview) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/company-and-mission) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [Request a Demo](https://www.accelitas.com/contact-us) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/predict-credit-1) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Resources](https://knowledge.accelitas.com/blog) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies/) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/about/) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [News & Events](https://www.accelitas.com/news-events/) - [News & Events](https://www.accelitas.com/news-events) - [Contact Us](https://www.accelitas.com/contact-us/) # Accelitas Insights [![blog-accelitas-micro-climates](https://knowledge.accelitas.com/hubfs/blog-accelitas-micro-climates.jpg)](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0) ## How to weather the latest lending forecast: Let a Microclimate™ credit score guide you. Micro-Climate credit scores are becoming the guiding principle for how to weather and navigate the current lending landscape. With the use of Accelitas's AI Life tool, an AI-powered Credit Risk Web Service, it is changing the way lenders are looking at their current landscape and access new borrowers. BlogPost 11809142687 How to weather the latest lending forecast: Let a Microclimate™ credit score guide you. [Read More](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [data waterfall](https://knowledge.accelitas.com/blog/topic/data-waterfall), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Credit Scores](https://knowledge.accelitas.com/blog/topic/credit-scores), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [micro-climate score](https://knowledge.accelitas.com/blog/topic/micro-climate-score) [![](https://knowledge.accelitas.com/hubfs/FPD_Images/photo_FPD_coin_toss.jpg)](https://knowledge.accelitas.com/blog/why-lenders-should-focus-on-profitability-not-first-payment-default-fpd) ## Why Lenders Should Focus on Profitability, Not First Payment Default (FPD) First Payment Default predicts loss only 50% of the time. By using our AI Verify service, lenders can grow profits while keeping FPD rates under control. BlogPost 5324541539 Why Lenders Should Focus on Profitability, Not First Payment Default (FPD) [Read More](https://knowledge.accelitas.com/blog/why-lenders-should-focus-on-profitability-not-first-payment-default-fpd) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/why-lenders-should-focus-on-profitability-not-first-payment-default-fpd#comments-listing) Tags: [lending](https://knowledge.accelitas.com/blog/topic/lending), [First Payment Default (FPD)](https://knowledge.accelitas.com/blog/topic/first-payment-default-fpd), [data waterfall](https://knowledge.accelitas.com/blog/topic/data-waterfall) [All posts](https://knowledge.accelitas.com/blog/all) ## **Ready to reimagine financial access?** Call us at +1 [415-842-7700](tel:4158427700) or email [info@accelitas.com](mailto:info@accelitas.com?) Back To Top © 2024 Accelitas, Inc. 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