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At Cushion, we enable consumers to give you access to new data sets — from Pay-in-4 Buy Now Pay Later loan details to SKU-level purchase info from retailers like Amazon.

Redefining Fintech Cushion Partnerships
In order to be irreplaceable, one must always be different.
- Coco Chanel
Redefining Fintech Cushion Partnerships

We're a Fintech that's just built different. We obsess, for years, over challenges in consumer finance, and create novel solutions that meet today's needs and anticipate tomorrow's challenges.

Unique Datasets

When a consumer finances their groceries using a Klarna ‘Pay in 4’ loan, data aggregators don’t have any of the loan details and credit bureaus don’t even know that the loan exists. That’s why we’ve created critical new data sets to illuminate these blind spots.

When a consumer finances their groceries using a Klarna ‘Pay in 4’ loan, data aggregators don’t have any of the loan details and credit bureaus don’t even know that the loan exists. That’s why we’ve created critical new data sets to illuminate these blind spots.

Proven Performance

Cushion’s consumer app is the ultimate proving ground. We’ve leveraged our proprietary data to become top of wallet for bills & BNPL, offer unique high-retention features, and understand customer risk profiles better than the credit bureaus.

Cushion’s consumer app is the ultimate proving ground. We’ve leveraged our proprietary data to become top of wallet for bills & BNPL, offer unique high-retention features, and understand customer risk profiles better than the credit bureaus.

Strategic Partnerships

Cushion is partnering with fintechs and financial institutions to accelerate impact. Whether you're looking to help your customers stay on top of their BNPL, offer sticky new features, or improve the precision of your models, Cushion can help.

Cushion is partnering with fintechs and financial institutions to accelerate impact. Whether you're looking to help your customers stay on top of their BNPL, offer sticky new features, or improve the precision of your models, Cushion can help.

Since 2021, we've been laser-focused on the evolving world of 'bills' and filling the technology and data gaps introduced by Buy Now Pay Later's rapid adoption.

UNIQUE DATASETS

Next Gen Data for Next Level Finance

Explore Cushion's unique data sets, including our groundbreaking 'Plaid for BNPL' — essential for deeper customer insights and superior solutions.

01

Interest-Bearing Buy Now Pay Later

Deep insights into interest-bearing BNPL loans, focusing on payment schedules, loan statuses, and interest rates - important for enhanced lending strategies and complete PFM solutions.

Interest-Bearing Buy Now Pay Later

02

Non-Interest Bearing Buy Now Pay Later (aka ‘Pay in 4’)

Finally, access to non-interest-bearing BNPL loan details, most of which are not reported to the credit bureaus - providing critical missing insights into a consumer’s financial profile.

Non-Interest Bearing Buy Now Pay Later (aka ‘Pay in 4’)

03

Card-On-File to be Top Of Wallet

Leverage Cushion's card-on-file expertise to quickly position your card with top merchants and BNPL providers, boosting activation and retention with minimal effort.

Card-On-File to be Top Of Wallet

04

SKU-Level Ecommerce Data

Deliver more value by showing consumers exactly what they purchased from retailers Amazon, Walmart, and Target — right in your app.

ACH Underwriting

05

Recurring Bill and Payment Detection (historical)

Automatically detect and categorize consumer recurring bills and payment statuses, offering a historical view that enhances financial planning and customer insight.

Recurring Bill and Payment Detection (historical)

06

Recurring Bill and Payment Detection (forward looking)

Move beyond lagging indicators with Cushion's forward-looking bill aggregator, capturing upcoming commitments and nuances missed by or invisible to traditional transaction history.

Recurring Bill and Payment Detection (forward looking)

07

Advanced Bank Fee Detection

Give consumers and lenders crystal clear visibility into all types of bank and credit card fees using Cushion’s best-in-class fee detection engine which took years to perfect.

Advanced Bank Fee Detection

01

Interest-Bearing Buy Now Pay Later

Deep insights into interest-bearing BNPL loans, focusing on payment schedules, loan statuses, and interest rates - important for enhanced lending strategies and complete PFM solutions.

Interest-Bearing Buy Now Pay Later

02

Non-Interest Bearing Buy Now Pay Later (aka ‘Pay in 4’)

Finally, access to non-interest-bearing BNPL loan details, most of which are not reported to the credit bureaus - providing critical missing insights into a consumer’s financial profile.

Non-Interest Bearing Buy Now Pay Later (aka ‘Pay in 4’)

03

Card-On-File to be Top Of Wallet

Leverage Cushion's card-on-file expertise to quickly position your card with top merchants and BNPL providers, boosting activation and retention with minimal effort.

Card-On-File to be Top Of Wallet

04

SKU-Level Ecommerce Data

Deliver more value by showing consumers exactly what they purchased from retailers Amazon, Walmart, and Target — right in your app.

ACH Underwriting

05

Recurring Bill and Payment Detection (historical)

Automatically detect and categorize consumer recurring bills and payment statuses, offering a historical view that enhances financial planning and customer insight.

Recurring Bill and Payment Detection (historical)

06

Recurring Bill and Payment Detection (forward looking)

Move beyond lagging indicators with Cushion's forward-looking bill aggregator, capturing upcoming commitments and nuances missed by or invisible to traditional transaction history.

Recurring Bill and Payment Detection (forward looking)

07

Advanced Bank Fee Detection

Give consumers and lenders crystal clear visibility into all types of bank and credit card fees using Cushion’s best-in-class fee detection engine which took years to perfect.

Advanced Bank Fee Detection

Show all

Financial Decisioning

Clear blind spots in your decision-making journey

Discover the missing pieces in the lending puzzle. Our insights into BNPL and recurring bill habits fill the gaps traditional data leaves behind.

Unique to Cushion: Unprecedented Insights

Empower your decision-making with exclusive data that provides a comprehensive view of consumer financial habits, driving more informed and effective strategies.
Non-Interest Bearing BNPL Data ("Pay In 4")
Foward-Looking Bill Data

Traditional Data: The Bedrock

Familiar, yet crucial data points that form the backbone of financial assessments.
Employment History
Income Verification
Credit Score
Educational Background
Residential Status
Savings and Assets
Bank Account Information
Enhanced data
Outstanding Debts
Credit Utilization
Credit History
Debt-to-Income Ratio (DTI)
Interest-Bearing BNPL Data
Beyond introducing new data sets, Cushion also refines traditional data, offering a more precise view of a consumer's financial health.
Inquire About Cushion's Data Sets

Insights

Shedding New Light on Consumer Spending

Below are examples of insights from analyzing some of Cushion's data to better understand and navigate new financial behaviors.
13.4
Active loans being juggled by consumers for an average of ~$2,118 across 3.2 BNPL providers.
Loan stacking has become common yet unwieldy, as consumers navigate multiple apps to manage payments for their BNPL loans, subscriptions, utilities, and other recurring bills.
86%
Of BNPL loans are non-interest-bearing, typically unreported to the credit bureaus.
Despite the emergence of interest-bearing options, the majority of BNPL loans remain non-interest-bearing 'Pay in 4' plans. These overlooked loans are pivotal in understanding a consumer's complete financial landscape.

Insights based on an analysis of over $300 million in Buy Now Pay Later loans.

Get Cushion Insights

CONSUMER ENGAGEMENT

Elevate Your App with Cushion's Tech

Leap ahead in consumer finance by integrating Cushion's cutting-edge product suite. From unique BNPL dashboards to comprehensive bill management, turn every interaction into an opportunity for engagement and retention.