Engine by Gen has entered a strategic partnership with Prism Data, bringing Prism's market-leading cash flow intelligence into Engine's embedded finance platform to help unlock frictionless, cash flow-based underwriting for millions of Americans.
By operating a two-sided network of 1,300 partners, Engine connects financial product providers with financial marketplaces while enabling personalized product matching. Through this partnership, financial product providers can apply Prism's cash flow analytics to bank data that consumers have permissioned on the Engine platform, generating highly predictive, decision-ready intelligence that improves credit evaluations, allows for the possibility of expanded approvals, and personalizes product matching—without requiring applicants to take extra steps or adding friction to the application process.
Redefining Predictive Power
The full suite of Prism Data's analytics solutions is available in the Engine platform, including:
CashScore®: Turnkey scores that predict risk across the full credit spectrum – with market-leading accuracy and demonstrated orthogonality to traditional solutions.
Income Intelligence: A comprehensive view of earnings beyond just the paycheck, including traditional and non-traditional / gig income, trends, consistency, and volatility.
Insights Attributes: Thousands of attributes that capture how consumers earn, spend, and manage money, for use in custom strategies and models.
Prism's solutions can be used standalone or alongside traditional credit bureau data. Based on Prism's extensive testing with lender customers, CashScore® outperforms FICO on a standalone basis and delivers an average 30% lift in predictive power when combined with traditional credit scores.
Why This Matters Now
Consumer financial lives have fundamentally changed. Income is more volatile, and obligations often extend beyond what is captured by credit bureaus, to products including BNPL, subscriptions, and energy costs. Simultaneously, the industry has seen a massive increase in bank-linking adoption. Consumers are now more willing than ever to permission their data with the goal of more personalized offers and improved financial outcomes. Yet while cash flow data is widely used in underwriting, it remains underutilized in marketing, leading to missed opportunities and inefficient spend.
“Engine has changed the game by bringing transaction data to the top of the funnel,” said Jason Rosen, Founder and CEO at Prism Data. “By integrating Prism’s intelligence directly into the Engine platform, we’re enabling our partners to act on that data in real time—meeting consumers where they are and delivering the right product at the right moment.”
Better Matching, Better Timing, Better Outcomes
Lenders can use Prism's solutions within the Engine platform to help:
Better assess income: Go beyond the paycheck to evaluate income comprehensively, including variable and non-traditional earnings, to support more informed upstream ability-to-pay and DTI assessments, and reduce downstream verification friction.
Expand the buy box: Use cash flow intelligence alongside traditional credit data to identify additional consumers who fit a lender's risk and eligibility criteria.
Improve offers and matching: Give lenders a more complete view of consumers' financial capacity, helping them make more relevant offers and improve product matching.
“Engine is designed to bring financial products directly into the environments where consumers are already making decisions—across apps, platforms, and digital touchpoints,” said Zach Burnett, GM of Lending at Engine by Gen. “Through this latest integration, Prism can help financial products providers meet consumers in those moments with more relevant offers, grounded in real-time insight into their ability to pay via the Engine platform.”
For financial service providers, this means more opportunities to expand approvals with controlled risk. For consumers, it means more personalization of the offers they deserve.