GDS Link

GDS Link — Permissioned open-banking cash-flow corpus normalized into lending features: 1,000+ raw open-banking attributes across income, spending and payment behaviour, mapped into 7,000+ standardized lending attributes — including derived markers for recurring BNPL installment obligations and multi-provider stacking that never surface on a traditional credit bureau file. Each record is consumer-consented bank-transaction data passed through a proprietary normalization and merchant/obligation-classification layer.. Substantial specialist: ~200 staff, ~$20M revenue, venture-backed. Genuinely …

GDS Link offers (Alternative, Fundamental, Sentiment) — est. 7,000 features per consumer record across a consented cohort likely in the high six to low seven figures cumulative — a multi-year transaction history per consented consumer (commonly up to 24 months of bank data per pull), so tens to hundreds of billions of normalized transaction observations. The 1,000-to-7,000 attribute expansion ratio is itself the volume and value driver..

Thin-file and underbanked credit adjudication model training; BNPL exposure and stacking-risk feature supply for lenders tightening affordability rules; alternative-data credit-score development; financial-inclusion and fair-lending model validation (cash-flow data is often argued to reduce demographic proxying); consumer-stress and disposable-income nowcasting; BNPL-provider portfolio surveillance; and regulator-facing research on hidden debt.

The data is with 10 years of history.

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