Score Creditworthiness From Real Financial Behaviour.
Prestatech analyses bank transaction history across cash flow patterns, liquidity management, and financial stability to deliver a single 0–100 risk score.
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ONE SCORE TO ASSESS BORROWER HEALTH INSTANTLY.
The pScore is Prestatech's proprietary cash flow score. It distills complex banking data into a single number between 0 and 100, giving your credit team an immediate, data-driven signal on every applicant.
Single score from 0–100 derived entirely from real bank transaction data
Seven confidence levels from Very Low to Excellent for clear risk segmentation
Calculated in seconds, no manual cashflow analysis required
Fully transparent methodology with traceable underlying data points
Continuously validated against real portfolio performance
Easily integrated into your existing credit decisioning workflow
Credit bureau data shows how a borrower managed debt in the past, but it can't tell you whether their income is stable this month, whether expenses are trending up, or whether their balance can absorb a new repayment. The pScore answers these questions using live transaction data, evaluating three dimensions of financial health: cash flow patterns, liquidity management, and financial stability, combined into a single 0–100 score your team can act on instantly.
Three dimensions. One clear signal.
The pScore doesn't rely on a single metric. It evaluates cash flow patterns like income regularity and seasonal variation, liquidity management including overdraft frequency and balance buffers, and financial stability signals such as debt servicing consistency and absence of distress markers. Each dimension generates a sub-score. Together they form one transparent, actionable rating.
Works with the data you already have.
Prestatech accepts transaction data from any source and scores in seconds. Upload bank statements as PDF or image, parsed and fraud-checked automatically. Connect via Open Banking or PSD2 for real-time account access. Or integrate directly with your existing data lake via API. Any source, any borrower profile, one consistent score.
The scoring edge your bureau data can't give you
Supplements bureau data
Layer the pScore into your existing scorecard or use it as the primary score where bureau data is thin or unreliable.
Scores in seconds
Transaction histories processed instantly — even across multiple banks and months of data. No manual bottleneck.
Approve more, default less
Lenders using Prestatech approve 10–35% more applicants without increasing risk, while reducing losses by 15–40%.
Fully explainable
Every score is backed by sub-scores and the transaction patterns that drove it — meeting GDPR Article 22 transparency requirements.