Finovate Awards 2026 Finalists: Prestatech
Prestatech have been selected as a finalist in the Excellence in Risk Management category in the 2026 Finovate Awards
Prestatech
Prestatech is a credit intelligence and decisioning platform that helps banks and credit unions make faster, smarter credit decisions across consumer and small business lending. It was founded in 2021 and is located in Berlin, Germany.
About Prestatech
Its decisioning engine pairs traditional credit bureau data with real-time open-banking signals, proprietary cash-flow scores, and affordability indicators to automate end-to-end assessment, lifting approval rates, reducing portfolio losses, and cutting decision times from days to minutes. Built by former lenders for lenders, the platform has processed more than 50 billion transactions and is ISO 27001 and SOC 2 Type II certified.
Product innovation
Prestatech reads what the bureau can't see. Its underwriting and monitoring engine reads account-level data directly, surfacing 50+ behavioral signals, from overdraft dependency to a 90-day cash-flow forecast, so banks approve more loans without widening their risk appetite, catch portfolio distress up to three months ahead, and build more personalized customer relationships. The model is deterministic and fully traceable, so every decision can be explained to a credit committee or a regulator.
Key stats
Key Executives: Christian Nothacker (CEO & co-founder), Luca Terragni (CRO & co-founder)
Key Investors: CDP Venture Capital
Key Partners: Temenos, Finxact, member of Jack Henry FIN program