Expand approvals with
Lower losses with
Score thin-files with
Catch fraud with
Estimate income with
Measure ability-to-pay with
See the whole picture with
cash flow underwriting cash flow underwriting

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Applicant profile

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Alex Thompson

Sales rep @ Acme Corp

CashScore

754

Key factors

View all

Income

$112,580.45

Savings

$43,761.92

prism_data.py

01

import prism_data

02

03

api_key = "78G12FWA32"

04

client = prism_data.client(api_key)

05

06

categories = client.categories(transactions)

07

features = client.features(transactions)

08

derived_income = client.derived_income(transactions)

09

cash_score = client.cash_score(transactions)

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new - 2025

$45,000 MSRP

Roadian SUV - AWD

Member Insights

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Monthly inflow

$4,130.82

Monthly outflow

$2,920.04

Cash flow

$1,210.78

Average monthly spend

Spend by category

Top catergories

Rent

Dining

Groceries

Travel

Utilities

Loans

Other

Cash flow over time

new - 2025

$45,000 MSRP

Roadian SUV - AWD

Est. 22/29 MPG

Auto loan application

Type of loan

Type of application

Dealer purchase

Private party purchase

Refinance

Individual

Joint application

Applicant full name

Date of birth

Social security number

Phone number

Email address

CashScore

689

Reasons

1.

Change in recent discretionary spending patterns

2.

Amount of recent loan payments too high

3.

Recent income amounts are too low on depository account(s)

Data types

Consumer-permissioned

First-party

Trusted by industry leaders

Prism transforms raw transaction data into actionable insights and scores

CashScore ®
Powerful credit and fraud risk predictions
Insights
Comprehensive attributes from transaction data
Income
Real-time income assessment
Categories
Accurate transaction categorization

CashScore

®

Advanced cash flow underwriting, in a simple 3-digit score

Predict credit risk and first-party fraud using scores built from millions of observations across lenders and products.

Explore CashScore®

Get in touch

30% predictive lift over traditional credit scores alone
Predicts risk accurately and independently of credit scores
Proven and mature
Used by top banks and fintechs for billions in originations
Built for credit decisions
FCRA-compliant with explainable adverse action reasons provided

* Average lift based on Prism's analysis when CashScore is added to traditional credit scores across a wide range of client portfolios. Predictability based on KS.

Insights

Risk signals from transaction data

Surface thousands of trended attributes describing income, asset, and expense activity, financial behaviors, red flags, and more.

Prism Insights

Talk to sales

Income

Real-time income assessment

Measure gross and net pay, income stability, employment, and multiple income sources beyond just the paycheck.

Prism Income

Get in touch

Accurate transaction categorization

Refine and categorize disorganized transaction data to generate clean, simple, and accurate account activity suitable for underwriting.

Prism Categories

Get a demo

Paycheck

Internal Transfer

Transfer

Travel

Groceries

Dining

Rent

Utilities

Loans

Buy-Now-Pay-Later

BNPL

Insurance

Debt Collection

Debt

Paycheck

{"transactions":[{"id":"tx101","date":"2025-04-10","amount":-15.99,"currency":"USD","merchant":"Netflix"},{"id":"tx102","date":"2025-04-09","amount":-5.25,"currency":"USD","merchant":"Dunkin' Donuts"},{"id":"tx103","date":"2025-04-08","amount":-200.00,"currency":"USD","merchant":"Apple"},{"id":"tx104","date":"2025-04-07","amount":1800.00,"currency":"USD","merchant":"Globex Inc"},{"id":"tx105","date":"2025-04-06","amount":-30.00,"currency":"USD","merchant":"Lyft"}]}

{"transactions":[{"id":"tx201","date":"2025-04-11","amount":-22.50,"currency":"USD","merchant":"Chipotle"},{"id":"tx202","date":"2025-04-10","amount":-75.00,"currency":"USD","merchant":"Best Buy"},{"id":"tx203","date":"2025-04-09","amount":1320.00,"currency":"USD","merchant":"Initech"},{"id":"tx204","date":"2025-04-08","amount":-8.75,"currency":"USD","merchant":"Subway"},{"id":"tx205","date":"2025-04-07","amount":-40.00,"currency":"USD","merchant":"Uber Eats"}]}

{"transactions":[{"id":"tx301","date":"2025-04-12","amount":-9.99,"currency":"USD","merchant":"Hulu"},{"id":"tx302","date":"2025-04-11","amount":-150.00,"currency":"USD","merchant":"Target"},{"id":"tx303","date":"2025-04-10","amount":-35.00,"currency":"USD","merchant":"Shell"},{"id":"tx304","date":"2025-04-09","amount":2100.00,"currency":"USD","merchant":"Hooli"},{"id":"tx305","date":"2025-04-08","amount":-12.00,"currency":"USD","merchant":"Panera Bread"}]}

{"transactions":[{"id":"tx401","date":"2025-04-13","amount":-13.49,"currency":"USD","merchant":"YouTube Premium"},{"id":"tx402","date":"2025-04-12","amount":-23.85,"currency":"USD","merchant":"Whole Foods"},{"id":"tx403","date":"2025-04-11","amount":-125.00,"currency":"USD","merchant":"Walmart"},{"id":"tx404","date":"2025-04-10","amount":1750.00,"currency":"USD","merchant":"Stark Industries"},{"id":"tx405","date":"2025-04-09","amount":-45.00,"currency":"USD","merchant":"Doordash"}]}

{"transactions":[{"id":"tx501","date":"2025-04-14","amount":-6.50,"currency":"USD","merchant":"McDonald's"},{"id":"tx502","date":"2025-04-13","amount":-99.99,"currency":"USD","merchant":"eBay"},{"id":"tx503","date":"2025-04-12","amount":1980.00,"currency":"USD","merchant":"Vehement Capital"},{"id":"tx504","date":"2025-04-11","amount":-17.99,"currency":"USD","merchant":"HBO Max"},{"id":"tx505","date":"2025-04-10","amount":-27.00,"currency":"USD","merchant":"Starbucks"}]}

{"transactions":[{"id":"tx601","date":"2025-04-15","amount":-33.00,"currency":"USD","merchant":"Kroger"},{"id":"tx602","date":"2025-04-14","amount":-250.00,"currency":"USD","merchant":"Apple Store"},{"id":"tx603","date":"2025-04-13","amount":1600.00,"currency":"USD","merchant":"Wayne Enterprises"},{"id":"tx604","date":"2025-04-12","amount":-20.00,"currency":"USD","merchant":"CVS Pharmacy"},{"id":"tx605","date":"2025-04-11","amount":-14.25,"currency":"USD","merchant":"Peet's Coffee"}]}

{"transactions":[{"id":"tx701","date":"2025-04-16","amount":-11.00,"currency":"USD","merchant":"Taco Bell"},{"id":"tx702","date":"2025-04-15","amount":-300.00,"currency":"USD","merchant":"Home Depot"},{"id":"tx703","date":"2025-04-14","amount":-19.95,"currency":"USD","merchant":"Redbox"},{"id":"tx704","date":"2025-04-13","amount":1400.00,"currency":"USD","merchant":"Oscorp"},{"id":"tx705","date":"2025-04-12","amount":-21.99,"currency":"USD","merchant":"Barnes & Noble"}]}

{"transactions":[{"id":"tx801","date":"2025-04-17","amount":-10.00,"currency":"USD","merchant":"Jamba Juice"},{"id":"tx802","date":"2025-04-16","amount":-199.99,"currency":"USD","merchant":"Nordstrom"},{"id":"tx803","date":"2025-04-15","amount":2300.00,"currency":"USD","merchant":"Pied Piper"},{"id":"tx804","date":"2025-04-14","amount":-28.50,"currency":"USD","merchant":"Blue Bottle"},{"id":"tx805","date":"2025-04-13","amount":-60.00,"currency":"USD","merchant":"Lyft"}]}

{"transactions":[{"id":"tx901","date":"2025-04-18","amount":-16.99,"currency":"USD","merchant":"Paramount+"},{"id":"tx902","date":"2025-04-17","amount":-64.00,"currency":"USD","merchant":"REI"},{"id":"tx903","date":"2025-04-16","amount":1850.00,"currency":"USD","merchant":"Massive Dynamics"},{"id":"tx904","date":"2025-04-15","amount":-18.75,"currency":"USD","merchant":"Shake Shack"},{"id":"tx905","date":"2025-04-14","amount":-24.99,"currency":"USD","merchant":"Spotify"}]}

Customer spotlight

Prism reliably delivers high-quality predictive insights from cash flow data, allowing us to approve significantly more good borrowers without taking on additional risk.

Max Axler

Chief Credit Officer, Synchrony

Adoption of cash flow underwriting is happening now.

Prism powers a variety of use cases

Expand upfront approvals
Swap-in creditworthy customers without taking on additional risk.
Reduce credit risk
Spot income volatility, irregular spending, and financial distress.
Identify first-party fraud
Detect abuse, loan stacking, and other irregularities in real-time.
Estimate income accurately
Track direct deposits, recurring transfers, and pay frequencies.
Improve offers and pricing
Optimize loan amounts and price based on risk and ability-to-pay.
Portfolio management
See trends across your customer base and take proactive steps.
Boost collections and recoveries
Harness bank data for better prioritization, offers, and timing.

Auto Finance

Buy-Now-Pay-Later

Cash Advance / EWA

Credit Cards

Debt Consolidation

HELOC

Home Improvement

Merchant Cash Advance

Mortgage

Payments

Auto Finance

Buy-Now-Pay-Later

Cash Advance / EWA

Credit Cards

Debt Consolidation

HELOC

Home Improvement

Merchant Cash Advance

Mortgage

Payments

Personal Loans

POS Financing

Rent Splitting

RTO/LTO

Small Dollar Lending

SMB Lending

Student Lending

Tenant Screening

Utility/Telco Screening

Personal Loans

POS Financing

Rent Splitting

RTO/LTO

Small Dollar Lending

SMB Lending

Student Lending

Tenant Screening

Utility/Telco Screening

Approve more and reduce losses
and
Reduce losses

5-30%

More approved customers

4-25%

Reduction in loss

5x faster

Speed to market

How it works

01
Client pulls deposit account data through any data aggregator or directly from client systems.
02
De-identified data is shared with Prism via data aggregators, decision engines, or secure, single-endpoint API connection.
03
Data is processed and outputs are returned with sub-second response times and >99.9% availability.
04
Client receives Prism products and uses them to determine credit approval, pricing, portfolio management, and more.

Frequently asked questions

Does Prism Data comply with the Fair Credit Reporting Act and the Equal Credit Opportunity Act?
Yes, Prism is FCRA- and ECOA-compliant. CashScore can be used for approve, decline, and pricing decisions, with Adverse Action reason codes provided. Prism's models undergo rigorous Fair Lending review and have been shown not to create disparate impact.
What should I do if I'm interested in an enterprise partnership or in reselling Prism Data's products?
We'd be excited to hear from you. Please fill out this form and someone from our team will be in touch.
How does CashScore compare with a traditional credit score?
CashScore® by Prism Data predicts the probability of credit default, just like a traditional credit score, but based on deposit account data rather than credit history. CashScore has proven to be just as predictive as traditional credit scores when used on its own, and orthogonal to traditional scores when used in combination with them, resulting in significantly increased predictive power. CashScore also allows underwriters to score consumers that lack traditional credit history. You can read more about CashScore here.
Does Prism Data provide consumer financial transaction data?
No, Prism Data helps partners analyze deposit account data they've already obtained. Prism Data is compatible with leading financial transaction data aggregators and all standard DDA file formats. We're also integrated with a growing number of aggregators, decision engines, CRAs, and core providers. Contact us for details.

Expand approvals with
Lower losses with
Score thin-files with
Catch fraud with
Estimate income with
Measure ability-to-pay with
See the whole picture with
cash flow underwriting cash flow underwriting

Prism transforms raw transaction data into actionable insights and scores

CashScore ®

Insights

Income

Categories

Advanced cash flow underwriting, in a simple 3-digit score

30% predictive lift over traditional credit scores alone

Proven and mature

Built for credit decisions

Risk signals from transaction data

Real-time income assessment

Accurate transaction categorization

Customer spotlight

Prism powers a variety of use cases

Expand upfront approvals

Reduce credit risk

Identify first-party fraud

Estimate income accurately

Improve offers and pricing

Portfolio management

Boost collections and recoveries

Approve more and reduce losses
and
Reduce losses

Prism CashScore rating

Bank-grade security, seamless integration, and enterprise-scale reliability.

Easy Integration

Safe and Secure

Experience You Can Bank On

How it works

Unlock better cash flow underwriting

Contact us

Frequently asked questions

Does Prism Data comply with the Fair Credit Reporting Act and the Equal Credit Opportunity Act?

What should I do if I'm interested in an enterprise partnership or in reselling Prism Data's products?

How does CashScore compare with a traditional credit score?

Does Prism Data provide consumer financial transaction data?

Expand approvals withLower losses withScore thin-files withCatch fraud withEstimate income withMeasure ability-to-pay withSee the whole picture withcash flow underwriting cash flow underwriting

Prism transforms raw transaction data into actionable insights and scores

CashScore ®

Insights

Income

Categories

Advanced cash flow underwriting, in a simple 3-digit score

30% predictive lift over traditional credit scores alone

Proven and mature

Built for credit decisions

Risk signals from transaction data

Real-time income assessment

Accurate transaction categorization

Customer spotlight

Prism powers a variety of use cases

Expand upfront approvals

Reduce credit risk

Identify first-party fraud

Estimate income accurately

Improve offers and pricing

Portfolio management

Boost collections and recoveries

Approve more and reduce lossesandReduce losses

Bank-grade security, seamless integration, and enterprise-scale reliability.

Easy Integration

Safe and Secure

Experience You Can Bank On

How it works

Unlock better cash flow underwriting

Contact us

Frequently asked questions

Does Prism Data comply with the Fair Credit Reporting Act and the Equal Credit Opportunity Act?

What should I do if I'm interested in an enterprise partnership or in reselling Prism Data's products?

How does CashScore compare with a traditional credit score?

Does Prism Data provide consumer financial transaction data?

Expand approvals with
Lower losses with
Score thin-files with
Catch fraud with
Estimate income with
Measure ability-to-pay with
See the whole picture with
cash flow underwriting cash flow underwriting

Approve more and reduce losses
and
Reduce losses