Open Banking transaction categorisation
The most up-to-date view of your customers
We turn raw transaction data into clear, accurate categories, helping financial institutions assess income, spending, and risky behaviours like gambling or loan stacking. Simplifying affordability and risk decisions at any stage of the credit lifecycle.
> 3.5M
Customer transactions processed daily through Open Banking13 billion
Transactions categorised> 30%
Reduction in credit risk losses vs bureau data aloneClear categories for confident lending
Access real-time transaction data directly to understand your customers' income, spending, and affordability with simple, clear categories. While credit bureau data has its place, real-time bank data ensures you always have the most current and accurate picture of your customer's financial health.
Trusted by our UK partners
Two ways to access categorisation
Via API
Integrate via API to automate transaction processing, gain real-time bank data on customers' income and spending, and streamline affordability and risk decisions.
Underwriter Dashboard
Use our underwriter dashboard for manual reviews of applicants' transaction data, with clear categories for income, spending, and affordability, ensuring accurate and informed decisions.
