Prism Data is a cutting-edge transaction intelligence platform that revolutionizes the way financial institutions assess creditworthiness and make credit decisions. By analyzing detailed banking transactions, Prism Data provides insights into gross and net pay, income stability, employment, and income sources. The platform's flagship product, CashScore, evaluates credit risk based on financial transaction history rather than traditional credit scores, offering a more comprehensive view of a consumer's financial health. This innovative approach allows lenders to serve a broader range of customers, including those with little or no credit history.

Prism Data primarily serves financial institutions, including banks and credit card issuers, operating in the financial services market. The business model is based on providing subscription-based access to its platform and data analytics tools. By leveraging thousands of financial data points, Prism Data helps its clients make smarter credit decisions, reduce default risk, and expand their customer base.

Keywords: transaction intelligence, creditworthiness, financial data, CashScore, credit risk, banking transactions, income stability, financial health, data analytics, financial institutions.