Aggregate Bank Account Data without the friction of Open Banking

Avoid external logins and conversion drop-offs by enabling secure bank statement uploads.

A secure and flexible alternative to Open Banking

Prestatech enables lenders to instantly access customer financial data through proprietary OCR technology, offering a seamless alternative to Open Banking/PSD2.

Embedded anti-fraud checks. Minimize adverse selection at the outset of the funnel.

We support: US, UK, Germany and Italian markets.

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Open Banking can introduce significant user friction through redirects, consent flows, and authentication steps that often lead to drop-offs. It also faces coverage gaps, regulatory complexity, and reliance on third-party aggregators, often creating operational and integration challenges for banks.

Use Cases

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.

See how it works

Identical PSD2 format-data output. Enrichment ready.

Our engine parses documents, validates integrity, applies anti-fraud checks, and delivers structured data in the same format as Open Banking outputs.

Multi-PDF upload for instant bank account consolidation.

Supports bank statements in PDF and image formats. The user can upload as many bank statements as possible, also from different institutions.

Onboard faster. Review less. Stay compliant.

Works without user logins.

Let users securely upload their bank statements instead of connecting accounts via PSD2.

Real-time parsing and fraud checks.
Extract and structure transaction data instantly, with built-in manipulation detection.

Full bank coverage.
Collect data from anyone, regardless of which bank they use or whether they’re PSD2-compatible.

Easy integration, modular use.
Use our APIs, dashboard, or front-end widgets to plug this flow into your customer journey.

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