Edge (www.edgescore.com) is a data and analytics platform that harnesses bank transaction data to measure consumer credit risk. Founded in 2021, Edge is part of a larger family of FinTech brands that sits underneath our parent company, NinjaHoldings (www.ninjaholding.com). NinjaHoldings’ brands also include CreditNinja, a high velocity online consumer lending business, and NinjaCard, a neobanking platform focused on consumers in the emerging credit space.

At our core, Edge is a cash flow bureau (versus a credit bureau). We have proprietary technology and data sets that allow us to extract predictive features from granular bank transaction data and measure the risk of a consumer. Our solutions are built on a massive data lake that uniquely combines performance data from over $500 million in loans with over 3 billion consumer-permissioned bank transactions, an “edge” that can only be replicated at considerable time and cost. We believe that we provide a benefit to lenders and consumers by providing a more accurate financial picture of consumers who are overlooked, or incorrectly scored by the traditional bureaus, ultimately opening up access to fairer, more accurately priced credit.