[.green-span] Lendflow Roundup | July [.green-span]

Data aggregation is the process of gathering raw data from multiple sources and combining it into summarized formats—sums, averages, counts—that reveal patterns otherwise buried in scattered records. For lending and embedded finance teams, it's the foundation that turns fragmented borrower information into actionable credit decisions.This guide covers how data aggregation works, the five main types, common challenges, and best practices for building aggregation workflows that scale without adding headcount.

Financial health data measures how well people or businesses manage money across four dimensions: spending, saving, borrowing, and planning. Unlike a credit score that reflects past behavior, financial health data captures current financial stability—giving lenders a real-time view of whether someone can actually afford to repay.

Pulling credit data used to mean logging into bureau portals, downloading PDFs, and manually keying information into loan systems. A credit data API replaces that workflow with a single programmatic call that returns structured credit reports, scores, and payment history in seconds.