Raw data available from third-party sources used by application software developers in financial services is typically not clean enough for immediate use. Pentadata uses machine learning to create signals and value-added concepts that extract actionable information from raw consumer payment and financial data. The company sends those signals to developers via APIs. Pentadata receives data from issuers, processors, card networks and credit bureaus that consumers have agreed to make available to third parties. Its platform, which never stores the data, gives consumers the opportunity to opt-o...