Fintech Insights
Consumer Credit Insight Note: Repayment Flexibility and Trust
Observation Customers offered one-time repayment flexibility options showed lower churn and better long-term repayment behavior than strict-policy cohorts. Key takeaways * Transparent hardship pathways reduce default anxiety. * Simple repayment rescheduling outperforms opaque fee waivers. * Communication timing matters more than channel frequency. Recommended experiment Test proactive repayment support messages for customers with