Prosporus

Prosporus helps financial institutions surface the right offer at the right time by detecting income shifts and life moments in customer transaction data. The platform classifies income sources (W2 wages, gig income, military pay, reimbursements) and segments income behavior—volatility, job type, tenure—to trigger personalized product decisions instead of relying on static credit files. These signals feed directly into a bank's origination system and are logged in the CRM, strengthening prequalification, affordability checks, and fraud detection while growing deposits and retention without adding operational overhead. The company is based in Santa Monica, California.