A revolutionary new approach to financial status and creditworthiness

Leverage cash flow underwriting to accurately predict credit default risk, and score missing- and thin-file consumers.

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Categories

Refine, categorize and enrich disorganized transaction data to generate clean,    
simplified, and accurate account  activity.

Insights

Surface key insights and features describing consumer financial status like liquid assets, financial obligations, spending patterns and more.

Income

Analyze banking transactions toidentify gross and net pay, income
stability, employment, and income sources.

Next Generation
Transaction Intelligence

The future of open banking is here. Whether you’re in banking, lending, real estate, personal finance, or insurance, Prism Data provides you with a powerful opportunity to do more with your data.

Interested in learning more?

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One Powerful API

Our developer-friendly API helps you
transform raw data into actionable insights. Integrate in a flash and get started for free.

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prism_data.py
⨀ ⨀ ⨀
    1     import prism_data
    2
    3     api_key = "12345"
    4     client = prism_data.client(api_key)
    5    
    6     categories = client.categories(transactions)
    7    
    8     features = client.features(transactions)
    9    
   10     derived_income = client.derived_income(transactions)
   11     
   12     cash_score = client.cash_score(transactions)

Compatubility

Compatibility • Prism Data is compatible with leading data aggregators and all standard DDA file formats.

No PII

No PII

To ensure consumer safety and client compliance, we use AWS-managed disk-level encryption and we do not collect, sell, or store consumer PII.

Compliance First

Compliance First

Compliance is a top priority and we ensure our solutions, systems and processes meet applicable laws and regulations.

Independent Validation

Independent Validation

Our processes and systems are regularly reviewed, validated, and audited against industry standards by independent third parties.

No PII

To ensure consumer safety and client compliance, we use AWS-managed disk-level encryption and we do not collect, sell, or store consumer PII.

Compliance First

Compliance is a top priority and we ensure our solutions, systems and processes meet applicable laws and regulations.

Independent Validation

Our processes and systems are regularly reviewed, validated, and audited against industry standards by independent third parties.

Safe and Secure

Our infrastructure is built to ensure privacy, safety, and security for our clients, partners, and consumers.

  CASE STUDY
prism petal
Prism Data is the engine that has powered WebBank to make hundreds of thousands of credit decisions in the Petal program, and to serve over 200,000 credit card customers, the majority with little or no credit history.

316 813 263

TRANSACTIONS
CATEGORIZED

487 247

CREDIT
DECISIONS

$3 885 656 996

INCOME
VERIFIED

“Getting real insights derived from transaction level data gives more creditworthy customers access to credit. I know that when our partners use Prism Data and the CashScore, they are able to make the best decision for their customers and for their business.”

JOHN YUEN
DIRECTOR OF CREDIT RISK AT PETAL

“Insights and CashScore by Prism Data provides a comprehensive view of an applicant’s cash flow and personal balance sheet. It helps identify financial stress much earlier than behavioral data from the bureaus that only acts as a lagging indicator.”

MANIK CHAWLA
CHIEF RISK OFFICER AT PETAL

Why Prism?

Prism Data empowers businesses to serve more customers, build better products, and make smarter    decisions.*

40%

Approve More 
Customers

Approve more customers already in your funnel and expand your addressable market.

30%

Reduce
Your Losses

Improve your credit decisioning and reduce losses across the credit spectrum.

5x

Speed Up 
Implementation

Eliminate months of wasted data science and development time.
*based on data provided by Petal.

Petal offers alt-data underwriting tech to banks. Do they want it?

American banker

Petal launches new company: Prism Data

cards international

‘Financial Providers Need Actionable Insights, Not Raw Data’: Credit Card Company Petal Spins Off B2B Data Unit, Prism Data

nilson report

Petal Credit Cards and Prism Data Analytics

payments journal

Peta.  Launches Prism Data To Offer Its Credit Technology To Other Firms

pymnts.com

‘Financial providers need actionable insights, not raw data’: Credit card company
  Petal spins off B2B data unit, Prism Data

tearsheet
prism data

is trusted and supported by

web bankfinancial health networkvalarrosecliffthird empireafore capital
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Frequently Asked Questions

I'm interested in an enterprise partnership or in reselling Prism Data's products. How do I contact you?

We’d be excited to hear from you. Please sign up here and someone from our team will be in touch.

How does a CashScore compare with a standard credit score?

The CashScore allows partners to measure credit risk, just like a credit score, but based on financial transaction history rather than credit history. It leverages thousands of financial data points that are missing from traditional credit scores, describing a consumer’s key financial factors, like income, assets, expenses, and financial volatility. You can read more about the CashScore here.

Does Prism Data provide consumer financial transaction data?

No, Prism Data is a software platform that helps partners analyze financial transaction data that they have already obtained. Prism Data is compatible with leading financial transaction data aggregators and all standard DDA file formats.