Prestatech

Prestatech analyzes bank data the way an underwriter thinks, adding a real-time, granular data layer to existing lending processes for faster and better credit decisions.

Combining document automation, anti-fraud algorithms, and deep bank account analytics, Prestatech streamlines credit analysis and portfolio monitoring for both consumer and SMB lending. Trusted by banks across Europe and the U.S., with 50+ billion transaction lines analyzed. Recognized among the World's Top FinTech Companies 2025 by CNBC and Statista.

• Onboarding / Document Intelligence: Instantly profile new applicants at the point of origination. APIs read, validate, and score bank statements, payslips, tax returns, and IDs in real time – with automated fraud checks, multi-document consolidation, and rule-based validation with human review when needed.
• Scoring / Rating: Add a cash-flow-based data layer to existing credit models with 50+ behavioral and financial indicators. Goes beyond transaction categorization to surface payment patterns, compliance signals, and red flags that drive credit outcomes – expanding access for thin-file and underbanked applicants.
• Monitoring / Intelligence: Continuous analytics across account data lakes – from early-warning risk signals and covenant monitoring to client segmentation and commercial intelligence for upselling, cross-selling, and targeted campaigns.