A new dimension for credit analysis with granular cash-flow insights never seen before
Harness the power of transactional cash flow data. Through deep analysis of banking transaction patterns, we deliver enhanced value and empower data-driven lending decisions.
BOOK DEMOComprehensive credit and behavioural analysis based on transactional data that can be integrated seamlessly with traditional data sources such financials and Credit Bureaus
Intelligent bank account transaction data actionable insights for consumers and SMEs.
Prestatech offers a powerful and comprehensive tool to perform credit analysis and decisioning
Based on bank account transaction data that can be gathered from either bank statements, Open Banking and the lender's data lake we provide a full-spectrum analysis of the applicants, including affordability analysis and instant lending decision with powerful insights into their financial behaviour.
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Monthly Affordability: automatic calculation of the maximum amount that the applicant can allocate to the repayment of additional credit lines before the DSCR becomes zero.
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Cash-flow Statement: creation of an annualised breakdown of the primary categories of incoming and outgoing cash flows in an IFRS-like manner.
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Real-Time Affordability Check: Based on current expenses, existing financial obligations & income trends, automatically determine if a loan is sustainable.
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Predictive Risk Analysis: Using historical transaction data, forecast future payment behavior to detect risks early.
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Integration with Traditional Financial Data Sources: Enhance analysis with business information, scores, ratings & PDs from credit bureaus for a comprehensive credit evaluation.
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Flexible API & Dashboard Integration: Our modular analytics platform seamlessly integrates via APIs or a custom front-end dashboard into your existing infrastructure.