Fiskil

Fiskil — Consent-granted Consumer Data Right (CDR) bank-account data normalized into credit-decision features: 3-6 months of transaction history per consenting consumer, distilled into a cash-flow score, income-stability and deposit-regularity measures, expense/commitment classifications, balance trends, recommended spending limit, and early-warning financial-distress flags for point-of-sale affordability checks. Small and young (~15 employees, Sydney) but structurally advantaged: CDR accreditation is a regulatory moat few alternative-data firms hold, and the reference customer list is unusua…

Fiskil offers (Alternative, Fundamental, Sentiment) — Roughly 3-6 months of transaction history per consent event. If partner funnels generate ~100-500K consented pulls per year at ~5 months x ~120 transactions, that is an order of 60M-300M normalized transaction rows annually, plus a comparable count of derived consumer-level assessment records.

BNPL and consumer-lender credit decisioning models; point-of-sale affordability scoring; responsible-lending compliance evidence under ASIC obligations; thin-file / no-credit-history applicant scoring; credit-line and limit optimization; default and delinquency prediction; behavioral early-warning models for financial distress; benchmarking bureau-score substitution

The data is with 4 years of history.

Coverage spans APAC, US, Europe; Financial Exchanges & Data, Consumer Finance; alternative, fundamental, sentiment; equities.