The article discusses the increasing interest in cash flow data and the competition among companies to become the leading provider, akin to FICO's role in credit scoring. It highlights the importance of accurate cash flow assessments for businesses and the evolving landscape of financial technology in this domain.

Large Language Models (LLMs) have the potential to improve credit decision-making processes by analyzing vast amounts of data more efficiently than traditional methods. By leveraging advanced algorithms, LLMs can identify patterns and insights that may enhance risk assessment and borrower evaluations. However, challenges related to data privacy and ethical considerations must be addressed to ensure responsible implementation.