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.
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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Why us?ScoreMyCash is the only finance app that shows you how your spending, earnings, and lending potential compare to other people so you are not missing out on opportunities.
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What is your refund policy?We do not offer refunds, but canceling your subscription is easy. Plus you'll have access to the app until your subscription ends.
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How do I cancel my subscription?In the app you can easily change your option to Free and you will no longer be charged. You will still have access to the Premium features until the end of your paid period.
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What steps are involved in signing up?Step One: Connect - Securely connect your bank accounts in less than 2-minutes Step Two: Share & Compare - Share a few details about yourself so we can find people like you Step Three: Know More - Get notifications so you can reduce your spending, increase your earnings, and find credit opportunities
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Which option is best for me?Our most popular option is Paid Annually. It includes the most comprehensive features plus it is the cheapest option per month. If you're not sure, try the Free version to see how the app works.
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How much does this cost?Use our Free version to get started. The Paid Annually option is $1.99 per month with an annual paid subscription of $23.99 or you can choose the 3-Month option for $8.99 every 3 months.
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Do you have a monthly option?No, but you can use our Free option to try or our 3-Month option. The 3-Month option helps you see the value and when you are ready you can save even more with the one-time Paid Annually option - up to 33%!
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Does it cost money to sign up?No. Sign up for the Free version and Try Before You Buy (TBYB ).
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Do you offer discounts?No. But we love to hear from our customers. Please share your ideas at below in the Contact Us form.
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How do I pay for the app?On our website click the link to download the app and create an account. Then choose your payment option: $1.99 monthly (paid Annually for $23.99) OR a 3-Month option for $2.99 per month (paid every 3 Months for $8.99). In the app click the "Upgrade to Premium" option in the Menu to be redirected to the pricing options and follow the prompts.
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Is my data secure?We store data using bank-level 256-bit encryption on our servers and are constantly updating our platform to use the latest security recommendations.
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How do I delete my data?Send us an email at the Contact Us form below and we will respond to you.
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Is my bank account safe?We use Finicity to securely connect to more than 12,000 financial institutions across the U.S. During the sign-up process you will be asked to enter your online banking credentials. These credentials are not stored by us and never touch our servers. Your credentials are sent through Finicity to your bank account. Finicity then sends us an encrypted token which provides access to your transaction data. We cannot make any changes to your bank account. and you can revoke our access to your bank account by unlinking your account at any time.
CONNECT WITH US
We look forward to working with you
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