Insights

Surface key insights in deposit account data

Get Started

Over 15k ready-made
attributes available

Develop strategies and underwriting models custom-fit to your product and population.

Gain a deeper understanding of how your applicants and customers make, save, and spend their money.

Get started right away with stable, compliant, data-source agnostic cash flow insights. 

The activity that matters most

The dynamics that drive decisions

  • Income and paychecls
  • Spend by category
  • Loans and BNPL
  • Bills and expenses
  • Balance activity
  • Transfers and investments
  • Stability
  • Volitility
  • Risky behaviors
  • Trends and patterns
  • Key relationships
  • Red flags

Packages for Every Use Case

Cash Flow

Spend in dozens of categories, net flows, key ratios, red flags, trends, and more 

Expenses

Bills (rent, utilities, telecom), subscriptions, loans, and pay-over-time transactions

Income

Gross and net pay, irregular income sources, changes, stability, and volatility

Balance

Liquid assets, balance trends, savings, investments, and monthly fluctuations 

Design Your Own

Choose the most powerful attributes for your use-case from our library of over 15k

Income by Prism Data

Utilize Income insights to accurately estimate income based on transaction activity.

Identifies multiple income sources beyond just the paycheck, including gig work and investment income.

Reveals trends, stability, and volatility in income in addition to a point-in-time estimate.
Frequently Asked Questions
Is the Prism Insights product real-time?

Yes. The Insights product translates deposit raw data into attributes and returns a result in less than a second.

What am I supposed to do with 15,000 attributes?

Clients can use Insights attributes much like they use summarized bureau attributes today: in a statistical model, in knockout or eligibility rules, or for identifying subsets of the population who may be interested in or eligible for different products. One client might use certain attributes in a custom credit model, while another may use other attributes to remove applications without a minimum balance or sufficient income, and a third might use attributes to identify an affinity group based on the consumer spending habits for marketing a merchant partnership product or promotion. Clients typically utilize a subset of Insights from one of our predefined packages or by selecting a custom list that best fits their use case. We can work with you to identify the right selection of Insights for your objectives.

Are Prism’s Insights attributes compliant with the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA)?

Yes. Prism provides attributes that can be used in credit models and strategies for consumer credit decisions (including declines) in compliance with all applicable laws and regulations. Your use of particular attributes within your credit policy is of course fact-specific and should be reviewed by your Legal and/or Compliance team(s) as well. Prism’s CashScore® also comes with clear and specific adverse action reasons that comply with the ECOA and FCRA and are ready to be used for decline decisions. Schedule a conversation with our team to learn more about how Prism’s solutions can work within your existing compliance framework.

What information is returned by the Prism Income product?

Income provides an estimate of gross and net pay based on bank account activity, including standard paychecks and other income sources like gig work, government benefits, and investments. Income also returns dynamics related to income, like frequency and trends.