Empower smarter lending with cash flow scoring and analytics
Prestatech enables banks to make instant, automated credit decisions. The platform combines bureau data, real-time cash flow analytics and scoring with a configurable policy engine to deliver a decision in seconds. Every borrower is then monitored on live transaction data to catch risk early. Recognized by CNBC and Statista as one of the World’s Top Fintech Companies 2026.
Key Features
Multidimensional credit assessment, with data streams spanning bureau data, registries and transaction data (via Open Banking or document parsing).
Purpose-built scorecards from transaction data: proprietary PSCORE, DSCR, affordability and 50+ behavioral insights.
Configurable decision engine with human-in-the-loop routing for edge cases and backtesting.
Ongoing monitoring on live transaction data, with early warning signals, covenant tracking and sanction screening.
Benefits
Faster, higher-quality decisions for both consumer and SMB applicants.
Lower defaults, healthier books with cash flow signals that catch deteriorating borrowers early.
Capture borderline applicants with counter-offers, not a binary yes or no.
Explainable and audit-ready decisions, aligned with FCRA, ECOA/Reg B, EBA guidelines, GDPR and the EU AI Act.
Resources
Cash flow analytics decisioning
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for Prestatech conducted by The Disruption House
Credit Decisioning & Cash Flow Intelligence — Prestatech Data-driven cash-flow analysis with in-depth insights Resources prestatech logo Request A Demo Report includes cashflow statement, affordability analysis, and risk scores. Indicators show positive cashflow trend and anti-fraud check, with alerts on seasonality and visibility. Empower smarter lending with real-time cash-flow intelligence Prestatech enables banks to make instant, data-driven credit decisions for consumers and businesses. By leveraging bank account transaction analytics, we help institutions increase origination, reduce risk, monitor real-time performance, and stay ahead of evolving regulatory requirements. Features Unique transaction categorization engine (6 labels for each transaction) transforming billions of multilingual transactions into actionable insights. Cash-flow-based score and credit analytics, with an extended set of actionable financial KPIs. Applicable to scoring, rating and monitoring models. Enterprise-scale portfolio intelligence, peer benchmarking and performance trend analysis. Protect sensitive data with ISO27001-compliant, secure, and confidential management – no third-party exposure. Benefits Enhance credit models and confidently approve more loans by leveraging real-time transaction data. Learn more Enable credit decisions for underserved customers beyond traditional bureau data. Learn more Strengthen portfolio health with early detection of default indicators and proactive management. Learn more Ensure traceable, auditable KYC/AML compliance with built-in stress testing and reporting. Learn more Resources Cash Flow Analytics Category Award Date Business Resiliency Accreditation Builder April 2024 Sustainability Accreditation Starter April 2024 Interested in the full Hopp Tech report? Click here to buy it now. ISV Assessments/Awards Request a Demo Lorem ipsum Read the analytics ESG & Enterprise Readiness Assessment Scores for Prestatech conducted by The Disruption House Category Award Date Business Resiliency Accreditation Builder November 2024 Sustainability Accreditation Builder November 2024 Interested in the full Prestatech report? Click here to buy it now.
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