Used by top lenders and financial institutions
FCRA Compliant
Fair Lending Approved
Robust Model Governance
Why Prism?
Our experience sets us apart
Prism pioneered cash flow underwriting to expand credit access for consumers without traditional credit history.
Leading predictive power
Derived from large consortium datasets and years of iteration and development.
Ease of integration
Offered off the shelf through leading data aggregators and decision engines.
Security and compliance
Our solutions are purpose built for bank-grade regulatory compliance and data security standards.
Real-world use
Seven years in market, with millions of decisions and billions in originations.
“In risk management, there’s no substitute for experience”
The beginning
Development of Prism data began in 2016 with the same team behind Petal, a responsible credit card designed for underserved consumers.
At that time, new and alternative sources of consumer financial information were just starting to become digitally accessible.
Today, Prism provides robust cash flow underwriting infrastructure and predictive analytics. With billions in credit originations, our approach has been tested through real-world use, economic cycles, and regulatory scrutiny.
- 2016
Original CashScore model development begins
- 2018
CashScore approved by first financial institution
CashScore used in consumer lending decisions
- 2020
Prism Data created
Categories, Insights, Income developed
- 2021
$1B credit made available using CashScore
- 2022
$2B credit made available using CashScore
CashScore v2 launch
- 2023
Prism Data spun out into independent company
CashScore v3 launch
- 2024
CashScore Detect launch
- 2025
CashScore v4, Detect, and Extend launch
Categories, Insights, Income v4 launch
Led by a team of industry experts
Prism Data is made up of data scientists, software engineers, risk managers, and operators working with partners to create innovative and inclusive financial products.
Our investors