Turn bank account transactions of SMEs and individuals into actionable credit intelligence
Leverage enriched bank transaction data to build or expand your internal credit models, enhance client profiling, and drive smarter decisions.
See beyond the balance. Prestatech enriches every transaction with semantic tags, behavioral clusters, and entity recognition, delivering precious insights, not just data.
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UNLOCK THE POWER OF BANK ACCOUNT DATA
Raw transaction data, whether from PDFs or Open Banking, is often noisy, unstructured, and difficult to interpret at scale. Yet hidden within are powerful signals about financial behavior.
Prestatech’s enrichment engine converts this raw data into structured, context-rich intelligence. We tag transactions by type and purpose, extract key counterparties, and cluster behavioral patterns across time. What emerges is a high-resolution picture of financial activity, ready to enhance credit scoring, risk assessment, and portfolio monitoring for both individuals and SMEs.
From raw data to real-time financial intelligence
See financial behavior in context.
Detect income, rent, debt payments, subscriptions, and discretionary spending through granular semantic tagging.
Act on ready-to-use datasets.
Skip manual categorization: get clean, normalized data prepared for analysis, scoring, or system integration.
Tailor decisions and offers.
Segment users with precision and personalize your credit products, pricing strategies, and customer journeys.
Enhance internal scoring models.
Strengthen affordability checks and risk logic with enriched behavioral insights derived from actual account activity.
One Platform, Multiple Business Outcomes
Whether you're scaling origination, tightening risk controls, or automating back-office operations — Prestatech adapts to how your team works.
Grow Originations
Say yes to more borrowers — including thin-file and SME applicants — with cashflow-based scoring that goes beyond traditional credit bureau data.
Reduce Portfolio Losses
Identify early warning signals before they become defaults. Transaction-level monitoring and predictive analytics give your risk team a real-time view.
Automate Credit Operations
Replace manual document review, spreadsheet-based analysis, and fragmented data pipelines with a single, API-driven platform.
Accelerate Onboarding
Turn days of back-and-forth into a seamless digital experience. Automated document capture and instant data extraction mean faster answers.
Strengthen Compliance
Every decision is traceable. Full audit logs, explainable scores, and structured outputs built to meet the transparency standards regulators expect.
Monitor & Pre-Score at Scale
Run batch cashflow analysis across your entire portfolio. Detect deterioration, identify upsell opportunities, and re-score with fresh data.