Press & Media

December 4, 2025

Flexcar Utilizes Carrington Labs to Advance Credit Risk Analytics for Month-to-Month Car Leases

Carrington Labs, a leading provider of credit risk analytics and cash flow underwriting models, is working with Flexcar, the first and only month-to-month car lease company, ...

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November 6, 2025

Carrington Labs Launches First MCP Server Bringing Compliant Credit Models into AI Lending Workflows

Agentic AI workflows are gaining momentum across financial services — 53% of executives report experimenting with them, according to a Google Cloud survey — but lenders can't quantify credit risk without compliant, explainable models, which hinders their AI implementation.

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October 8, 2025

Carrington Labs Partners with Sea.dev to Eliminate Manual Backlogs in SMB Lending and Accelerate Smarter Underwriting

Carrington Labs, a leading provider of credit risk analytics and cash flow underwriting models, has partnered with Sea.dev, a fintech company specializing in AI-powered financial document automation for small and medium-sized businesses (SMB).

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September 25, 2025

Carrington Labs and TaranDM Partner to Bring Cashflow Underwriting Directly into Automated Decisioning

Partnership helps lenders unlock faster, more inclusive credit decisions by combining Carrington Labs’ cash flow underwriting and credit risk models with TaranDM’s modern and agile decision platform.

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September 4, 2025

Carrington Labs Debuts Cashflow Score, Delivering Up to 30% Higher Accuracy Than Traditional Credit Models

Built on open banking transaction data and delivered in real-time, the score helps lenders approve more borrowers without increasing risk.

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August 6, 2025

Carrington Labs and DigiFi Partner to Bring Cash Flow Underwriting to Loan Origination Platform

Built-in credit risk analytics and cash flow insights will allow lenders to start controlled testing in days

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June 24, 2025

Carrington Labs Partners with Taktile to Help Lenders Make Better Credit Risk Decisions Faster

Carrington Labs, a provider of tailored cash flow underwriting models and credit risk analytics, has partnered with Taktile, a next-generation Decision Platform, to help consumer and SMB lenders optimize their credit risk strategies faster than ever before.

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May 13, 2025

Carrington Labs Partners with Oscilar to Expand Access to Real-time Credit Risk Analytics

Partnership allows lenders to streamline and accelerate integration of tailored credit risk analytics through Oscilar’s decisioning infrastructure

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April 17, 2025

New research shows importance of detecting behavioral changes in loan applicants

Research released today by Carrington Labs, a provider of tailored cash flow underwriting models and risk analytics tools for consumer and SMB lenders, showed the predictive value of identifying recent behavioral changes in loan applicants.

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April 2, 2025

Carrington Labs Partners with LendAPI Marketplace to Streamline Access to Cash Flow Underwriting and Credit Risk Analytics

New partnership enables lenders to integrate modern credit risk solutions with greater speed and ease.

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March 3, 2025

Carrington Labs Accelerates U.S. Growth with Appointment of Brian Perry as VP of Sales

Perry brings 20 years of experience driving sales and revenue in the financial services sector

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February 6, 2025

Carrington Labs aims to advance US expansion through Mastercard Start Path Program

Joining the award-winning program marks a major step in Carrington Labs’ global strategy as it looks to bring its plug-and-play credit risk scoring platform to more lenders, fintechs and financial institutions in the US.

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November 13, 2024

Carrington Labs integrates with Salesforce Sales Cloud to deliver fast, streamlined credit risk insights for financial institutions

Carrington Labs, a leader in explainable AI-driven credit risk solutions, announces a new integration with Salesforce Sales Cloud, enabling financial institutions to seamlessly utilize their data in Salesforce to power bespoke credit risk models via the Carrington Labs platform.

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February 16, 2026

Beforepay hides a surprise inside half a million fortune cookies.

A first-of-its-kind Australian activation that turns a familiar dining ritual into an unexpected brand moment.

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July 2, 2025

Durable shopping jumps 32% in June as EOFY drives biggest monthly lift in 2025

The Beforepay Cost of Living Index rose 14.9% in June to a daily average spend of $70.52, marking the sharpest monthly increase recorded this year.

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June 6, 2025

Utility spending climbs 4.8% as energy price hikes approach

Household utility spending increased 4.8% to a daily average spend of $7.04 in May, according to the latest Beforepay Cost of Living Index.

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May 8, 2025

April spending sees sharpest fall of 2025 so far, down 4.7%

Australian household spending declined in April, with the latest Beforepay Cost of Living Index revealing a 4.7% fall in average daily spend to $61.63.

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April 3, 2025

Wellbeing takes priority as health spending jumps 8.3% in March

Australians are doubling down on their commitment to health and wellbeing, with new data from Beforepay’s March Cost of Living Index revealing an 8.3% rise in fitness and health spending— the strongest growth across all categories for the month.

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March 6, 2025

Australians feel the pinch at the pump as fuel costs push up February spending

Australians felt the strain of higher fuel prices in February. Beforepay’s latest Cost of Living Index shows petrol and auto spending jumped 6.8% in February—the sharpest increase across all key household expenses.

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February 6, 2025

Australians hit the gym earlier than usual this January

Australians are prioritising their health and wellbeing much earlier than in previous years, as new data from Beforepay’s Cost of Living Index shows a 27.4% year-on-year increase in fitness and health spending for the month of January.

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January 7, 2025

Spending climbs 13.6% year-on-year, indicating higher costs this holiday season

New data from the Beforepay Cost of Living Index reveals Australian spending surged in December 2024.

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December 5, 2024

Consumers tighten their belts on budgets as spending steadies in the lead-up to Christmas

Australian households maintained consistent spending patterns in November 2024, with the Beforepay Cost of Living Index reporting an average daily spend of $66.12 – a nominal month-on-month decrease of 0.1% from October’s $66.15.

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November 6, 2024

Petrol’s steep decline drives spending dip in October

The latest Beforepay Cost of Living Index shows that Australian households saw a modest decrease in daily average spending in October, down 0.8% to $66.15 from $66.69 in September.

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October 8, 2024

September spending rebounds as Australians splurge on experiences

Australian households increased their daily spending by 1.5% in September 2024, according to the latest Beforepay Cost of Living Index.

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July 4, 2024

Australians splurge on durables, capping off EOFY with a 3.7% spending increase

Sydney, Australia – Durable goods shopping led a 3.7% month-on-month increase in daily average spending among Australian households, up to $62.91 in June from $60.69 in May, according to the June 2024 Beforepay Cost of Living Index.

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May 6, 2024

Consumer spending rebounds as daily average spend jumps 5% in April 2024

Sydney, Australia – The Beforepay Cost of Living Index for April 2024 showed a month-on-month surge in household expenses, as daily average spending increased to $63.28 for the month. The figure is up 5% from $60.28 in March 2024, which may suggest increased consumer confidence as discretionary spending categories lead the month-on-month spending increase.

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December 6, 2023

Daily spending increases by 2.8% in November 2023

Sydney, Australia – Beforepay, Australia's leading ethical fintech company, has just released its Cost of Living Index for November 2023. The new data, which includes Black Friday spending, reveals a 2.8% month-on-month increase in daily average spending, moving from $60.52 to $62.23.

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September 5, 2023

Daily average spending declines 4.9% in August 2023

Sydney, Australia – Ethical-lending fintech Beforepay’s Cost of Living Index for August 2023 showed a 4.9% month-on-month decrease in average daily spending, down to $61.92 from $65.13 in July.

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August 4, 2023

Tax season drives 10.6% increase in daily spending in July 2023

Sydney, Australia – Ethical-lending fintech Beforepay released the July 2023 Cost of Living Index today, showing a 10.6% increase in average daily spending to $65.13, up from $58.88 in June.

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June 6, 2023

Australians cut back as daily spending drops 5.7% in May 2023

Sydney, Australia – Spending fell in May 2023, with the average daily spending for Australians down 5.7% from $58.84 to $55.49, according to the Beforepay Cost of Living Index.

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May 3, 2023

Retail spending drives 2.9% monthly increase in Beforepay Cost of Living Index

Sydney, Australia – The average daily spend for Australians rose by 2.9% from $57.17 to $58.84 in April. According to the April 2023 Beforepay Cost of Living Index, discretionary expenses were the major contributors to the increase in average daily spending, with shopping and durable shopping up 7.8% and 7.7% respectively month-on-month.

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April 4, 2023

Daily spending down 1.8% in March as Australians cut back on spending

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March 3, 2023

Utilities Prices Continue to Drive Up Living Expenses

Sydney, Australia – Data from more than 350,000 Australians has revealed a continued rise in the average daily cost of living, up 2.5% month-on-month from $56.83 in January to $58.23 in February according to the Beforepay Cost of Living Index.

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February 3, 2023

Australian Household Spending Falls According to Beforepay Cost of Living Index

Sydney, Australia – Beforepay’s monthly Cost of Living Index, which tracks the average daily spending of over 350,000 Australians, reveals that the average daily cost of living has fallen by 8% month-on-month from $62.02 in December 2022 to $56.83 in January 2023, which is a 1.6% increase year on year.

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December 6, 2022

Black Friday and petrol spend drove a further increase in month to month spend according to 300,000+ Aussies

New data shows the daily cost of living for the average Australian in November 2022 increased by only 1% over the month to $60.48. This represents an increase from $59.78 in October 2022 and from $60.23 in November 2021.

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November 2, 2022

Rising utility prices and grocery bills consume Australian wages

New data shows the daily cost of living for the average Australian in October 2022 increased by 1.6% over the month to $59.78. This represents an increase from $58.81 in September and $58.57 in October 2021.

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September 5, 2022

Australia’s spending jumps 25% in August

New data shows daily spending for the average Australian jumped 25% in August, to $83.27 per day. The figure is drawn from the Beforepay Cost of Living Index, which summarises the spending of more than 250,000 Australians across several household expense categories.

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October 28, 2022

Beforepay delivers the third consecutive quarter of growth as it proves operating model in its path towards profitability

Leading Pay On Demand™ provider Beforepay has announced another strong quarter of growth, with increased customer numbers, an uplift in revenue and strengthening margins.

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August 25, 2022

Beforepay surpasses $500m in advances

Leading Pay On Demand™ company, Beforepay Group Limited (Beforepay), has achieved three important milestones as the company progresses on its growth path towards profitability.

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November 22, 2021

Beforepay lodges prospectus for AU$35m IPO

Pay On Demand™ provider Beforepay today announces the lodgement of its prospectus (Prospectus) with the Australian Securities and Investments Commission (ASIC) to list on the Australian Securities Exchange (ASX) via an initial public offering (IPO or Offer).

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