Los Angeles – – September 28, 2026 -- An independent fairness assessment by FairPlay found no statistically significant disparities between protected class and non-protected class consumers evaluated using Prism Data's CashScore, a cash flow underwriting score built on real-time deposit transaction data.
CashScore shows no proxy risk for protected status
FairPlay's data study tested whether CashScore correlates with protected status in ways that could function as a proxy for discrimination. The assessment found no such correlation.
Underwriting outcomes match across consumer groups on a risk-adjusted basis
Protected class and non-protected class consumers evaluated using CashScore showed no statistically significant differences in underwriting outcomes once adjusted for risk. Protected class consumers were also equally likely as non-protected class consumers to have sufficient transaction data to generate a CashScore.
Prism Data cites over a decade of impact studies backing the fairness finding
Jason Rosen, Founder and CEO of Prism, said the company has studied its impact for over ten years and consistently found that cash flow underwriting expands financial opportunity without disparate impact. Kareem Saleh, Founder and CEO of FairPlay, said the analysis demonstrates that lenders can widen their view of borrower financial health without introducing or widening disparities.
CashScore allows lenders to analyze bank account transaction data to identify creditworthy borrowers and reduce losses, operating independently of traditional credit scores.