Prism Data was built by the same team that created the Petal Card, a responsible credit card for the modern world. Petal and its partner WebBank launched a consumer credit card in 2018, aiming to fix deep-seated problems in the U.S. credit system—more than 50 million people lack a traditional credit score, and tens of millions of others have thin or stale credit information, excluding them from mainstream access. To do this, the Petal team developed a next-generation transaction intelligence platform—Prism Data—to help turn consumer banking history into rich financial insights and predictive risk scores. After years of testing, analysis, and improvement, Prism Data’s insights and predictive models have become a reliable substitute to traditional credit history, and a powerful, differentiated tool in risk management more broadly.
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