Inscribe’s Credit Intelligence uses data from bank statements, pay stubs, Plaid, and MX to surface financial health insights for a given borrower (whether they’re a business or consumer/individual) outside of traditional credit bureau data. This helps lenders make informed decisions based on information that represents the true financial situation of the borrower. It also helps lenders make faster decisions because they don’t have to manually review data in bank statements to spot potential risk patterns. The insights are served up to them in seconds. Inscribe also parses bank statement transactions, and data from pay stubs, W-2s, and checks, and provide you with the raw data.

Our Credit Intelligence product provides insights into a borrower’s business or personal income, outstanding loans, expenditures, cashflow, and risky transactions. For example, you can easily see if a business paying back loans and what their total loan repayments are. Or if you’re lending to consumers/individuals, you can quickly spot risky transactions like the number of non-sufficient funds or gambling spend. These insights can be accessed via a dashboard or can be delivered via API.

Some of the benefits of using Inscribe’s Credit Intelligence solution include increased speed during underwriting, reduced human error, and the potential to increase customers because underwriters have access to a wider range of data sources to get a more holistic customer view. Most importantly, Inscribe’s Credit Intelligence can reduce bias and increase fairness because it relies on transaction data that are always up to date versus credit bureau data which can be several months out of date and ignores key indicators of sound financial behavior (doesn’t take into account regular rental payments a consumer might be making for example). Bureau data is also heavily influenced by whether or not you have existing credit products, so borrowers who don't have a credit card or loan, will have a thin file or bad score.

Inscribe has always utilized the most sophisticated technology available, including machine learning and LLMs (Large Language Models), since our inception. We work to deliver safe and usable artificial intelligence solutions for financial services that help them make better credit decisions.

Inscribe looks at bank account (balance and transaction) and pay stub data to determine a borrower’s financial health. Because we don't take into account the name, address, demographics, or previous credit history, we provide you with a fair, up-to-date view of the potential borrower.

Inscribe supports a variety of documents that are used during underwriting. These include bank statements and pay stubs. Inscribe also ingests data from open banking providers like Plaid and MX.

Yes, our Credit Intelligence software is scalable and can be customized to fit the needs of businesses of all sizes, from small startups to large enterprises.

Inscribe’s Credit Intelligence product can be used in a variety of industries, including banking, property management, finance, and more. It can be customized to fit specific industry requirements and compliance standards. And, you can rest assured that we’re committed to providing a product that upholds your standards for ethical lending.

Inscribe compares the income reported by your applicants against the income identified in bank statements and/or pay stubs to verify income.