transaction data

Automatic transaction categorisation
for retail client bank accounts

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Better data
for credit scoring.

A lot of resources are spent to acquire information necessary for making a credit decision – loan applicant’s salary, liabilities, late payments, household expenses, etc. Public databases rarely provide full overview. Luckily, all this information is already available to you in client bank transactions, including payment behaviour, payday loans, gambling and 200 more categories.


Batch categorisation for pre-scoring

Batch categorisation of existing client accounts helps identify potential new business, such as determining clients that are applicable for new or larger loans – all in real time. In addition, this allows reassessing current debtors to see their financial health and predict the actual portfolio value with more precision.


The solution can be deployed on site, which gives full compliance with any existing regulations. In addition, its flexibility allows analysing transactions acquired from other banks via banking APIs, bank statements or other transaction data formats, which gives a head-start once more banks open up their APIs as per PSD 2 requirements.


Our solution is quick to set up and simple to integrate with your existing infrastructure – either deployed on site or connecting to our servers. Our APIs are based on REST over HTTPS and transactions are managed in JSON formats. We’ve made sure even your IT deparment will love it.

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