Experian Owns the Bureau. Prestatech Owns the Cash Flow.
Experian is the world's largest credit bureau, but its scores are still anchored in historical repayment records. Even its new Cashflow Score bundles transaction data back into bureau infrastructure. Prestatech's pSCORE is a purpose-built cash flow scoring engine that analyses bank transaction data independently, delivering a 0–100 risk score in seconds, for any borrower, whether or not Experian has ever seen them.
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The world's largest bureau is adding cash flow. Here's why that's not enough.
Experian operates in over 30 countries with 25,000+ employees and holds credit data on more than 1.4 billion consumers and businesses worldwide. It is a FTSE 100 company and one of the three major US credit bureaus alongside Equifax and TransUnion. In the UK, it is the dominant consumer credit reference agency. Its bureau scores, powered by FICO and VantageScore models, are built on reported payment history, credit utilisation, account age, credit mix, and enquiry frequency.
In 2025, Experian launched its Cashflow Score (300–850) and later its Credit + Cashflow Score — combining traditional bureau data, alternative credit data from Clarity Services, trended data, and consumer-permissioned banking information into a single model. Experian claims up to 40% improvement in predictive performance over conventional scores.
But Experian's cash flow products are extensions of its bureau ecosystem, designed to enhance bureau scores, not replace them. They require integration with Experian's infrastructure, depend on Experian's proprietary data assets, and are optimised for the US market. pSCORE takes a fundamentally different approach: it is a standalone, API-first cash flow scoring engine that works independently of any bureau, accepts transaction data from any source, and delivers a transparent 0–100 score across US, UK, German, and Italian markets.
Experian's move into cash flow scoring validates the thesis that transaction data is essential for modern credit decisioning. But layering cash flow attributes onto a bureau-first architecture creates a different product from one built natively on transaction data. Experian's Cashflow Score still operates within its proprietary ecosystem. For lenders who need an independent, bureau-agnostic cash flow score, one that works with any data source, scores borrowers the bureau has never seen, and integrates via a simple API, the architecture matters as much as the algorithm.
Book demoWHY LENDERS ADD PSCORE ALONGSIDE EXPERIAN
Supplement Experian. Don't depend on it.
Prestatech is designed to work alongside your existing Experian integration — or independently of 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 Experian's bureau data is thin. Unlike Experian's own Cashflow Score, pSCORE doesn't require you to route data through Experian's platform, giving your risk team a genuinely independent second opinion.
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 ECOA/FCRA requirements in the US market.