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Automate cash flow underwriting with CashScore v3 by Prism Data

Assess a consumer’s credit risk using real-time financial transaction history. CashScore® leverages thousands of financial data points that are missing from traditional credit reports, describing a consumer's key financial factors, like income, assets, expenses, volatility, and ability-to-pay.

CashScore is built on consortium data sets of millions of records covering a spectrum of products, lenders and consumer credit profiles. It can be used to approve or decline credit applications, on its own or in conjunction with traditional credit models and scores.

Reduce First-Party Fraud with CashScore FirstDetect

CashScore FirstDetect identifies the patterns behind early payment default risk and first-party fraud. This differentiated risk signal is ideal for one-time purchases like BNPL and other short-term obligations.

The Advantages of Financial Transaction History

Data covers key financial factors like income, savings, spending, obligations, and ability-to-pay. 

Information is near real-time, reflecting the latest changes and developments. 

It provides a natural complement to credit bureau data, combining ability and willingness to pay.

Data is available from virtually all consumers, including those with thin or no credit history.
Score Performance
Based on data provided by our partners.
Customers with no existing credit history underwritten using the CashScore demonstrate credit performance equivalent to those with prime credit scores.

Full-file customers underwritten using the CashScore perform up to 25% better than those without.

How it Works

Client pulls deposit account data through any data aggregator or directly from client systems.
Anonymized data is shared with Prism via data aggregators, decision engineers, or secure, single-endpoint API connection.
Prism processes data and outputs features and scores with sub-second response times and >99.9% availability.
Client receives Prism products and uses them to determine credit approval, pricing, portfolio management, and more.

The Benefits

Expand Your Target Market
Open the door to 70+ million underserved consumers with thin or no credit files, identifying low-risk “Invisible Prime™" consumers misjudged as subprime.
Unlock Unique Insights
Use real-time deposit data to illuminate bureau-data blind spots, such as rent, BNPL, and title and payday loans.
Improve Customer Experience
Better data and lower losses means more value for your customers. Improve your rates and competitiveness without reducing your bottom line.
Reduce Fraud
Financial transaction data is a powerful check on fraud. Thousands of data points describing detailed financial histories are difficult for even the most sophisticated actors to spoof.
Increase Decision Accuracy
Provide substantial value beyond traditional scores using verified, real-time data about a consumer’s financial status and behavior.
Drive Financial Inclusion
Support financial inclusion initiatives and meet Community Reinvestment Act standards by offering safe and affordable credit access to underserved communities.

Use Cases

Approve more customers. Improve portfolio performance.
Real Estate
Accelerate the tenant screening process and approve more responsible applicants.
Reduce declinations, increase underwriting accuracy, and improve quote-to-bind.
Easily validate income and assets using consumer cash flows.

Cash Flow Underwriting Resources

Check out the latest industry reports, studies, and press coverage on cash flow underwriting. 
Frequently Asked Questions
Is the CashScore® meant to be used alongside traditional credit scores in underwriting decisions?

CashScore can be used to supplement a traditional credit score or as an alternative when a traditional score is unavailable or unreliable. CashScore leverages thousands of financial data points that are missing from traditional credit reports, describing a consumer's key financial factors, like income, assets, expenses, and volatility, and ability-to-pay. CashScores are available for the millions of thin-file and no-file consumers that lack traditional credit history. When credit history is available, the CashScore provides a differentiated, incremental view of risk that improves overall credit decisioning.

What are the minimum requirements to calculate a CashScore?

No credit history is required to calculate a CashScore. Instead, Prism Data requires only deposit account transaction history (i.e., the digital bank statements) from a consumer’s primary deposit account, with a minimum amount of account activity.

What does CashScore predict?

CashScore measures the relative probability of credit default in the next 12 months in rank order on a scale from 0 to 999 (999 being the best possible score). This means that a consumer with a score of 875 is less likely to default on a loan than a consumer with a score of 425.

CashScore FirstDetect measures the relative probability of early payment default or never-pay.

What factors determine your CashScore?

CashScore measures creditworthiness based on income, assets, and expenses—essentially, the money that a consumer makes, saves, and spends on a monthly basis. CashScore is a strong measure of the ability to pay, and includes critical details about financial stability and collateral as well.  Consumers that make more than they spend tend to be lower risk and achieve higher CashScores.

Want to learn more about CashScore?
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