Empowering business to serve more customers, build better products, and make smarter decisions with open banking

Prism Data provides essential open banking infrastructure and cash flow analytics powering the next generation of credit scores. Prism’s API-based, no-PII solution—including its proprietary and market-leading CashScore®—enables financial institutions, fintechs, and other companies to derive powerful new insights from consumer-permissioned deposit account data. Clients can leverage these insights to approve more customers, reduce credit and fraud risk, and better manage existing portfolios. Prism was developed by Petal over nearly a decade and $2B+ in credit originations, resulting in maturity, reliability, compliance, and predictive-power unrivaled in the market today.