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Prestatech Blog

93 Results

English The Top 10 Questions Regulators Ask When a Credit Decision Goes Wrong

23 January 2026

English Why CCD2 Changes Affordability From a Check to a Continuous Obligation

02 February 2026

Market Insights The CCD2 Directive and the future of consumer credit

12 November 2025

English Prestatech Named Among CNBC’s 2025 World’s Top Fintech Companies

01 August 2025

English The Black Box Problem Isn’t AI, It’s Confidence Without Understanding

13 February 2026

German SME-Lending im Fokus: Wie Banken kleine Unternehmen gezielt unterstützen können

08 January 2025

#Markets #Finance

English Bank Statement Uploads vs. Open Banking: A Practical Comparison for Lenders

10 February 2026

#Finance #Technology

English Why Cashflow Tells a More Accurate Credit Story Than Traditional Scores

13 January 2026

#Fintech #Finance

English How Real-Time Financial Data Supports Compliance Without Slowing Down Lending

13 February 2026

#Finance #Fintech

German Warum Deutschland bei der Digitalisierung der Kreditwirtschaft hinterherhinkt

11 December 2024

#Markets #Finance

English How Manual Credit Processes Quietly Destroy Margins

19 January 2026

English Why Credit Bureau Data Alone No Longer Reflects Real Borrower Risk

08 July 2026

#Finance #Fintech

Italian OCR nel settore bancario: Automazione, Efficienza e Prevenzione delle Frodi

04 December 2024

#Technology #Finance

English Common Automation Pitfalls in Lending and How to Avoid Them

20 January 2026

#Fintech #Finance

German OCR im Banking: Automatisierung, Effizienz und Betrugsprävention

04 December 2024

#Technology #Finance

English Scaling SME Lending Without Increasing Risk Exposure

16 January 2026

#Finance #Fintech

English How Continuous Monitoring Improves Portfolio Risk Management

04 February 2026

#Finance #Fintech

English Behavioral Signals in Credit Risk: What Transaction Data Reveals That Scores Don’t

30 January 2026

English How Economic Volatility Is Forcing a Rethink of Credit Decision Models

21 January 2026

English Real Time Cashflow Analysis as the Foundation for Responsible Lending

03 February 2026

English Scaling Credit Operations Without Scaling Headcount

16 January 2026

#Finance #Fintech

English When Core Banking, LOS, and Analytics Disagree. Who Does Risk Believe?

23 January 2026

English Why Most Financial Stress Shows Up in Behavior Long Before Missed Payments

08 July 2026

English What Credit Intelligence Really Means and Why It Is More Than Just Better Scoring

19 January 2026

#Finance #Fintech

Italian Finanziamenti alle PMI: Come le Banche Possono Servire Meglio le Piccole Imprese

08 January 2025

#Finance #Markets

English Embedded Credit Doesn’t Reduce Risk, It Just Moves It Somewhere Harder to See

29 January 2026

#Finance #Fintech

English Auditability in Credit Decisions: From Manual Evidence to Data-Driven Proof

26 January 2026

English How CCD2 Turns Cashflow Into a Compliance Requirement

10 February 2026

German Wie moderne Technologien Kreditbetrug erkennen und verhindern

27 November 2024

#Technology #Finance

English Why Traditional Credit Models Struggle with SMEs and Self-Employed Borrowers

23 January 2026

Prestatech Cash Flow Analysis Now Available on Temenos Exchange

22 January 2025

English Model Drift Is Often a Data Problem, Not a Modeling Problem

05 February 2026

English Ocrolus Alternatives for European Lenders (2026 Comparison)

11 June 2026

English Don't be left holding the bag: Anticipating Recovery Risks in a Shifting Economy

16 October 2025

#Finance #Markets

English CCD2 Compliance for Lenders: What the New Consumer Credit Directive Means for Creditworthiness Assessments in 2026

08 July 2026

12 February 2026

English Why Affordability Has Become the Central Pillar of Modern Lending Regulation

12 February 2026

English Most Credit Fraud Isn’t Clever. It’s Just Never Checked

08 July 2026

English Seasonality, Volatility, and Irregular Income: Rethinking SME Risk Assessment

16 February 2026

English From Bank Statements to Actionable Insights: Turning Raw Transactions into Credit Signals

03 February 2026

English CCD2 Compliance Checklist for Lenders (2026)

12 June 2026

English Detecting Manipulated and Fraudulent Documents at Scale

14 January 2026

#Finance #Fintech

English Why Model Governance Fails When Data Ownership Is Unclear

11 February 2026

English Improving Conversion Rates When Open Banking Fails

11 February 2026

English How Modern Technologies Detect and Prevent Credit Fraud

27 November 2024

#Technology #Finance

English What BNPL, Marketplaces, and Platforms Get Wrong About Credit Risk

27 January 2026

#Fintech #Finance

English Spending Patterns Lie Less Than Financial Statements

08 July 2026

English How Cashflow Analysis Reveals the True Financial Health of SMEs

16 February 2026

English CCD2 Auditability: What Regulators Will Ask When a Credit Decision Fails

18 February 2026

English How Automated Document Validation Improves Compliance and Audit Readiness

06 February 2026

English Improving Credit Decisions for Thin-File and Underbanked Borrowers with Alternative Data

09 February 2026

English Why Portfolio Risk Management Needs to Move from Reactive to Predictive

17 February 2026

English How Cashflow Volatility Predicts Trouble Earlier Than Scores

11 February 2026

English Integrating Document Automation into Existing Credit Workflows

06 February 2026

#Finance #Technology

English When Clients Are Closer Than They Look

08 July 2026

English Why Most Credit Losses Start as Data Problems

08 July 2026

English CCD2 Explained: What Risk and Credit Teams Need to Prepare for Now

12 February 2026

English Underlying Liquidity: Becoming a Cash Flow Detective

08 July 2026

English Where Open Banking Falls Short in Real Credit Journeys

10 February 2026

English Static Scoring vs. Continuous Credit Assessment: A New Paradigm for Risk Teams

19 January 2026

#Fintech #Finance

English The Top 10 Behavioral Signals That Indicate Financial Instability

26 January 2026

English How Transaction Data Reveals Financial Stability in SMEs and Self-Employed Borrowers

19 January 2026

English OCR in Banking: Automation, Efficiency and Fraud Prevention

04 December 2024

#Technology #Finance

English Affordability vs. Creditworthiness: Why Risk Teams Need to Separate the Two

20 January 2026

#Fintech #Finance

English Why Manual Affordability Checks Don’t Scale Under CCD2

12 February 2026

English From Document Review to Straight Through Processing: What Automation Really Means

21 January 2026

English Why CCD2 Forces Lenders to Rethink Income Verification

29 January 2026

English SME Lending in Focus: How Banks Can Better Serve Small Businesses

08 January 2025

#Finance #Markets

English CCD2 and Continuous Monitoring: Why Approval Is No Longer the End

28 January 2026

#Markets #Finance

English Assessing Affordability for Self-Employed Borrowers in a Responsible Way

16 February 2026

English The Top 10 Early Signals That Appear Before Liquidity Stress

22 January 2025

English Why Germany Lags Behind in Digitalizing the Credit Industry

11 December 2024

#Markets #Finance

English How Cash Flow Credit Scoring Works: The Methodology Behind Prestatech pSCORE

04 March 2026

#Finance #Fintech

05 February 2026

Italian Come le tecnologie moderne rilevano e prevengono le frodi creditizie

27 November 2024

#Technology #Finance

English From OCR to Document Intelligence: What Modern Automation Really Looks Like

30 January 2026

English The Rise of “Legitimate-Looking” Fraud in Digital Lending

18 February 2026

Italian Perché molti documenti in Germania vengono ancora valutati manualmente - e come fanno meglio gli altri paesi

11 December 2024

#Markets #Finance

English Turning Compliance from a Cost Center into a Risk-Control Advantage

13 February 2026

#Technology #Markets

English How Automation Reduces Time to Yes Without Increasing Risk

21 January 2026

English Why Manual Document Review Is One of the Biggest Bottlenecks in Credit Operations

05 February 2026

English The Top 10 Data Quality Issues That Quietly Destroy Credit Model Performance

27 January 2026

English PSD2 Is Not a Credit Data Strategy: Why Lenders Need More Than Open Banking

15 January 2026

#Finance #Markets

English How Early Warning Systems Reduce Defaults Without Increasing Operational Load

23 January 2026

#Technology #Fintech

English From Alternative to Essential: How Bank Transaction Data Complements Credit Bureaus

09 February 2026

#Fintech #Finance

English Bank Statement Fraud in Lending: 5 Manipulation Techniques Your Manual Review Process Will Not Catch

04 March 2026

English The Top 10 Things That Quietly Drive Up Cost per Loan

22 January 2026

English From Reactive Collections to Proactive Risk Remediation

05 February 2026

English Cash Flow Underwriting for European Banks: The Complete Guide to Transaction-Based Credit Decisioning

08 July 2026

#Markets #Finance

English Why CCD2 Makes Explainability a Risk Issue, Not a Legal One

08 July 2026

English The SME Credit Gap in Europe: Why Viable Businesses Fail Traditional Risk Models and How Banks Can Lend Smarter

04 March 2026

English How to Integrate Alternative Data into Existing Risk Models and Decision Frameworks

30 January 2026

English CCD2 Readiness Is About Data, Not Documentation

28 January 2026