Prism Data — Next-Generation Transaction Intelligence

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.

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?

Get Started

One Powerful API

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

Get Started

prism_data.py

1
2
3
4
5
6
7
8
9
10
11
12

import prism_data
‍
api_key = "12345"
client = prism_data.client(api_key)
‍
categories = client.categories(transactions)
‍
features = client.features(transactions)
‍
derived_income = client.derived_income(transactions)
‍
cash_score = client.cash_score(transactions)

Compatibility

Prism Data is compatible with leading data aggregators and all standard deposit account file formats.

Compliance First

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

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.

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 Data is the engine that has powered WebBank to make hundreds of thousands of credit decisions in the Petal program, and to serve over 300,000 credit card customers, the majority with little or no credit history.

316813388

Transactions
Categorized

487309

Credit
Decisions

$

3886154053

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.

Ready to Get Started?

If you’re interested in learning more, we’re excited to hear from you.

Great — you’re signed up. We’ll be in touch.

Oops! Something went wrong while submitting the form.

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

Petal launches new company: Prism Data

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

Petal Credit Cards and Prism Data Analytics

Petal Launches Prism Data To Offer Its Credit Technology To Other Firms

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

is trusted and supported by

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.

From Open Banking Data to Actionable Insights