ScoreMyCash for Business
Empowering financial services with proven consumer-permissioned cash flow underwriting technology
ScoreMyCash analytics transforms your complex and messy bank transaction data into categorized, actionable insights, regardless of your data aggregation provider for automated decisioning and manual operations.
The technology, proven through the consumer-facing ScoreMyCash app, delivers clean transactions with industry and merchant name appends, decisioning attributes, and predictive scores tailored for the financial services space.
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Integrate the technology via API, batch process or within your own tech stack behind your firewall.
ScoreMyCash Delivers
Categorization Designed for Lending
15,000+ merchants distilled into 60+ categories of consumer behavior built with >500 consumer finance, alt finance and BNPL companies categorized
Bank360 Scores for Fraud & Lending
Fraud, charge off and generic payment risk scores returned with reason codes on the 300 to 850 scale
Analytics Tested on Consumer Behavior
Get the analytics that power the ScoreMyCash app available as attributes and scores for lending decisions
Income Validation
Salary, gig, benefits, retirement and other sources of income to determine income stability and employer details
Compliant Technology
Solutions that are FCRA & ECOA compliant with governance and SDLC documents available
Compatibility
ScoreMyCash works with any permissioned data source and can accept data feeds via API or batch
ScoreMyCash Use Cases
Underwriting
Perform Cash Flow Underwriting in a fully compliant way, with scores and attributes to inform credit policy and operations metrics for manual review
Marketing
Historical bank transactions enable deep insights into how consumers spend and behave as their cash flow changes
Account Management
Examine recent behavior to determine when a consumer is weakening or strengthening, before bureau scores change
ScoreMyCash in Production
Technology accessible for the way you work
ScoreMyCash via API
Batch files via SFTP
License ScoreMyCash behind your Firewall
B2B FAQs
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We look forward to working with you