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

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.

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.

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.