FAQs

Question 1

What is Prestatech and who uses it?

Accepted Answer

Prestatech is an intelligent lending-automation platform that blends machine-learning document processing with real-time cash-flow analytics to speed credit decisions for SME and consumer lenders.

Question 2

How does your Cash-Flow Scoring work?

Accepted Answer

We analyse a borrower’s complete bank-account transaction history, transform thousands of signals into a 0-100 synthetic score, and surface risk factors impossible to see in traditional bureau data.

Question 3

What data sources can the platform read?

Accepted Answer

Our APIs ingest open-banking feeds, uploaded financial statements, invoices, payslips and other documents, standardising them into one analytics model.

Question 4

What types of data do you analyze?

Accepted Answer

Bank-account transactions plus alternative financial data (for both consumers and SMEs) feed our analytics and scoring models.

Question 5

How does Intelligent Document Automation reduce manual credit work?

Accepted Answer

Our computer-vision system automatically captures and analyzes any document type, speeding credit assessment, onboarding, and back-office tasks.

Question 6

Are you compliant with data-security standards like GDPR and ISO 27001?

Accepted Answer

Yes—our secure cloud infrastructure follows enterprise-grade standards, including ISO 27001 and GDPR compliance.

Question 7

What measurable outcomes can lenders expect?

Accepted Answer

Clients see faster approvals and lower default rates by using real-time analytics and data-driven insights throughout the credit lifecycle.

Question 8

Who is Prestatech built for?

Accepted Answer

For any type of Bank and Modern lenders focused on SME and consumer credit who want to automate risk intelligence and decisioning.

Question 9

How do real-time bank-account analytics improve credit decisions?

Accepted Answer

Streaming transaction insights reveal cash-flow health and behavioral patterns instantly, enabling more accurate, timely lending decisions.

Question 10

Why do leading banks choose Prestatech for cash‑flow scoring?

Accepted Answer

Major European banks use our cash‑flow analytics. A Tier‑1 bank case showed ECB‑approved cash‑flow models, >80% acceptance for statement parsing, ~70% time saved per dossier, and our reports helped resolve 32% of UTP cases.

Question 11

Is Prestatech recognized globally by independent rankings?

Accepted Answer

Yes. Prestatech announced its inclusion in CNBC & Statista’s World’s Top FinTech Companies 2025 ranking as a leader in cash-flow analytics category.

Question 12

Why is cash‑flow analysis essential in modern underwriting?

Accepted Answer

Supervisors now stress robust, prospective cash‑flow assessment in loan origination, and research shows transaction‑level data improves risk prediction and expands access for thin‑file borrowers. Cash‑flow underwriting adds predictive power beyond bureau data and supports stronger monitoring.

Modern lending solutions for banks, driven by data

Expand opportunites and reduce portfolio risk with bank data analyitcs and document intelligence.

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With Prestatech you can enhance your lending and monitoring proposition

FAQs