Prism Data
Harnessing deposit account data, CashScore® predicts credit default risk with precision, enhancing traditional credit assessments. By analyzing transaction patterns and financial stability, it empowers underwriters to evaluate consumers with limited credit histories. Compliant with Fair Lending standards, Prism Data elevates decision-making in banking, lending, and beyond, unlocking insights for refined customer engagement.
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Top Prism Data Features
- FCRA and ECOA compliance
- Predicts credit default probability
- Based on deposit account data
- Compatible with transaction aggregators
- Integrates with decision engines
- Scores thin-file consumers
- Analyzes banking transactions comprehensively
- Identifies income stability factors
- Surfaces spending patterns insights
- Enriches disorganized transaction data
- Generates clean account activity
- Assesses liquid assets effectively
- Evaluates financial obligations
- Provides adverse action reason codes
- Supports fair lending review
- Increases predictive power significantly
- Bridges information and insight gap
- Enhances customer service capabilities
- Empowers smarter decision making
- Revolutionary cash flow underwriting.
