CRIF Knows the Borrower's Credit History. Prestatech Knows Their Cash Flow Reality.
CRIF's bureau scores summarise historical loan repayment records and credit utilisation — but they miss the real-time transaction signals that predict whether a borrower can actually service new debt today. Prestatech's pSCORE analyses live bank transaction data across cash flow patterns, liquidity management, and financial stability to deliver a 0–100 risk score that gives lenders the full picture.
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A global credit bureau meets a purpose-built cash flow scoring engine
CRIF is the leading credit information provider in continental Europe. Founded in Bologna in 1988, it operates in over 50 countries and serves more than 6,300 banks and financial institutions. In Italy, CRIF manages EURISC, the dominant private credit information system, with over 460 subscribing banks and roughly 90% of Italian banking branches connected daily. Its bureau scores aggregate reported data on loan repayments, credit utilisation, defaults, and enquiry frequency to produce a historical risk profile.
But bureau data, however deep, cannot answer the questions that matter most for near-term default prediction: is this borrower's income stable right now? Are their expenses trending upward? Can their account balance absorb a new repayment obligation? CRIF's traditional bureau scores hold no transaction-level data, no cash flow patterns, and no real-time liquidity signals.
pSCORE fills that gap. It processes bank transaction history, from statements, Open Banking / PSD2 feeds, or your existing data lake, and evaluates cash flow patterns, liquidity management, and financial stability to produce a 0–100 synthetic score that supplements bureau data, not replaces it.
CRIF has expanded into open banking with its NEOS platform, offering transaction categorisation, KPI calculation, and an account-based score. But CRIF's open banking tools are designed as add-ons to its existing bureau infrastructure, not as a standalone cash flow scoring engine. For lenders who need a purpose-built, API-first synthetic score that works independently of bureau data and that can score borrowers CRIF's bureau has never seen, pSCORE was designed from the ground up.
Book demoWHY LENDERS ADD PSCORE ALONGSIDE CRIF
Supplement CRIF bureau data. Don't replace it.
pSCORE is designed to work alongside your existing CRIF integration, not compete with it. Layer the cash flow score into your scorecard as an additional variable, use it as a second-look trigger for borderline applicants, or deploy it as the primary score for segments where bureau data is thin or unavailable. For lenders already using CRIF's EURISC data in Italy or equivalent systems elsewhere, pSCORE adds the transaction-level dimension that bureau data structurally cannot provide.
Score in seconds. Decide in real time.
Transaction histories are processed instantly, even when spanning multiple institutions and months of data. The score and its dimensional breakdown are returned via API in real time, keeping your loan origination system moving without a manual scoring bottleneck.
Approve more. Default less.
Banks using Prestatech's scoring have approved 10–35% more applicants without increasing portfolio risk, because transaction-level scoring identifies creditworthy borrowers that static bureau models miss. At the same time, predictive risk signals in the liquidity and stability dimensions flag deteriorating accounts before they default, reducing portfolio losses by 15–40%.
Explainable scores. Auditable methodology.
Every pSCORE is backed by the three dimensional sub-scores and the specific transaction patterns that drove them. Your risk team can inspect exactly why a borrower scored 72 versus 58, meeting regulatory expectations around explainability and fair lending, including GDPR Article 22 requirements for automated decision-making transparency and EBA guidelines on loan origination and monitoring.