Prism Data

Cash flow underwriting API using bank transaction data for alternative credit scoring

AI FinTechPaid

Prism Data provides a cash flow underwriting API that analyzes consumer bank transaction data to generate creditworthiness signals beyond traditional FICO scores. Its machine learning models parse bank statement transactions to extract income stability, recurring expense patterns, and cash flow health as inputs to lending decisions. Online lenders, BNPL companies, and banks use Prism to serve thin-file or no-file consumers who lack sufficient credit history for traditional credit scoring but can be underwritten responsibly using cash flow analysis.

Key Features

• ✓Cash flow underwriting
• ✓Bank transaction analysis
• ✓Alternative credit scoring
• ✓Income verification
• ✓Lending API