# Prestatech > Prestatech is a Berlin-based fintech company providing a modular credit automation platform for banks and financial institutions — "the digital credit factory for banks." Named among CNBC & Statista's World's Top FinTech Companies 2025, Prestatech enables lenders to approve 35% more borrowers, reduce credit losses by 40%, and cut dossier processing time by ~70% through AI-powered document intelligence and cash-flow analytics. ## Products - [pGET - Document Intelligence](https://www.prestatech.com/products/document-intelligence): Automated financial document parsing and data extraction from bank statements, invoices, balance sheets, and payslips. Eliminates manual data entry and accelerates credit assessment workflows. - [pSCORE - Cashflow Analytics](https://www.prestatech.com/products/cashflow-analytics): Real-time cash-flow based credit scoring using transaction-level bank account data. Combines behavioral analytics with machine learning to produce explainable risk models for retail and SME borrowers. - [pLEND - Data Enrichment](https://www.prestatech.com/products/data-enrichment): Cash-flow based credit decisioning and instant SME lending. Enables partners to integrate automated lending solutions into existing core banking systems via REST API. ## Key Solutions - [Open Banking Alternative (non-PSD2)](https://www.prestatech.com/open-banking-psd2-alternative): Credit analysis without PSD2 open banking dependency — works from uploaded financial documents and direct account data, covering markets where open banking mandates don't apply. - [Back-Office Automation](https://www.prestatech.com/back-office-automation): End-to-end automation of lending back-office workflows, eliminating manual dossier handling and review bottlenecks. - [Underwriting Automation](https://www.prestatech.com/underwriting): Automated credit underwriting for retail and SME lenders — from document ingestion to risk score to decision. - [Online Risk Onboarding](https://www.prestatech.com/online-risk-onboarding): Digital borrower onboarding with integrated risk assessment, reducing time-to-yes without increasing default risk. - [Bank Account Data Enrichment](https://www.prestatech.com/bank-account-data-enrichment): Structured enrichment of raw bank transaction data — categorisation, pattern detection, and behavioural signals — for use in credit scoring models. - [Batch Processing](https://www.prestatech.com/batch-processing): Portfolio-level credit analysis and scoring at scale, enabling lenders to reassess entire loan books against updated risk models. - [CCD2 Compliance](https://www.prestatech.com/ccd2): Regulatory compliance tooling for the Consumer Credit Directive 2 (CCD2), helping lenders meet the EU's mandatory cash-flow assessment requirements for consumer credit origination. ## Topic Hubs - [Cash-Flow Underwriting](https://www.prestatech.com/cash-flow-underwriting): What cash-flow underwriting is, how it differs from bureau scoring, and how it rates thin-file, near-prime and self-employed borrowers using real bank transaction data. - [Bank Statement Analysis](https://www.prestatech.com/bank-statement-analysis): How lenders turn raw bank statements into verified income, affordability, cash-flow and fraud signals — and why automated analysis beats manual review at scale. - [SME Lending](https://www.prestatech.com/sme-lending): Why traditional credit models fail small businesses, what drives the European SME credit gap, and how cash-flow data lets banks lend to viable SMEs without adding risk. - [CCD2 Compliance Hub](https://www.prestatech.com/ccd2): Full regulatory context for Consumer Credit Directive 2 — what it requires, key deadlines, and how to automate compliance for consumer lenders. ## Key Pages - [CCD2 Compliance Checklist for Lenders (2026)](https://www.prestatech.com/blog/ccd2-compliance-checklist-for-lenders): Workstream-by-workstream checklist for meeting CCD2 requirements before the 20 November 2026 deadline. - [Blog](https://www.prestatech.com/blog): Expert analysis on credit automation, cash-flow scoring, open banking, SME lending, and regulatory change (CCD2, PSD2). - [CCD2 Compliance Hub](https://www.prestatech.com/ccd2): Full regulatory context for Consumer Credit Directive 2 — what it requires, key deadlines, and how to automate compliance for consumer lenders. ## Proven Results - 35% increase in borrowers approved using cash-flow scoring vs traditional bureau-only models - 40% reduction in credit losses reported by lending clients - ~70% reduction in time spent per credit dossier through document automation - >80% acceptance rate for automated bank statement parsing - Tier-1 European bank case: ECB-approved cash-flow models, 32% of UTP cases resolved using Prestatech analytics ## Recognition - Named in CNBC & Statista World's Top FinTech Companies 2025 — Cash-Flow Analytics category - Temenos Exchange certified partner — native integration with Temenos core banking platform - ISO 27001 certified — enterprise-grade information security management - GDPR compliant — EU data protection standards met across all banking deployments ## About - LinkedIn: https://www.linkedin.com/company/goprestatech/ - Crunchbase: https://www.crunchbase.com/organization/prestatech - Temenos Exchange: https://www.temenos.com/solution-provider/cash-flow-analysis-prestatech/ - Website: https://www.prestatech.com - Legal name: Prestatech GmbH - Founded: 2019 - HQ: Berlin, Germany - Markets: Germany, Italy, EU ## Comparisons - [Ocrolus Alternatives for European Lenders (2026)](https://www.prestatech.com/blog/ocrolus-alternatives-for-european-lenders): Honest comparison of Prestatech, Klippa, Rossum and Heron Data for EU lenders on document coverage, cash-flow analytics and CCD2 compliance. ## Optional - [Sitemap](https://www.prestatech.com/sitemap.xml) - [Open Banking Alternative — Solution Detail](https://www.prestatech.com/open-banking-psd2-alternative): Architecture and data flow for non-PSD2 credit analysis using document upload and direct bank account data. - [Underwriting Automation — Solution Detail](https://www.prestatech.com/underwriting): End-to-end automated underwriting workflow documentation for SME and retail credit. - [Back-Office Automation — Solution Detail](https://www.prestatech.com/back-office-automation): How Prestatech eliminates manual credit back-office tasks from dossier handling to approval processing. - [Bank Account Data Enrichment — Technical Detail](https://www.prestatech.com/bank-account-data-enrichment): Transaction categorisation methodology, enrichment schema, and integration patterns for credit scoring models.