Redefining Fintech: Dare to be Different
Welcome to Cushion where we're propelling consumer finance forward with new data and technology, essential for the next era of financial tools and models.
- Coco Chanel
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.
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.
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.
04
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.
05
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.
06
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.
07
ACH Underwriting
By combining Cushion's proprietary data with your cardholder transaction history, we can enhance your ACH underwriting, improving accuracy and reliability of ACH repayment rates.
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.
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.
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.
04
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.
05
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.
06
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.
07
ACH Underwriting
By combining Cushion's proprietary data with your cardholder transaction history, we can enhance your ACH underwriting, improving accuracy and reliability of ACH repayment rates.
Show all
Financial Decisioning
Clear blind spots in your decision-making journey
Unique to Cushion: Unprecedented Insights
Non-Interest Bearing BNPL Data ("Pay In 4")
Foward-Looking Bill Data
Traditional Data: The Bedrock
Insights
Shedding New Light on Consumer Spending
Insights based on an analysis of over $50 million in Buy Now Pay Later loans.
Get Cushion InsightsCONSUMER 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.