free whitepaper

How Leading Digital Banks Turn Raw Payments into Real Features

Banks sit on a goldmine of payment data, but how do you turn it into user value? UX teams often lack clear guidance on designing features that leverage this data.

This whitepaper offers actionable UX best practices based on real implementations.

Download the whitepaper and start building smarter, data-driven features

Enriched Payment Data Is UX’s Hidden Superpower
Enriched payment data is no longer just a backend concern. It’s a frontline UX differentiator.
Get them wrong: poor NPS, user confusion, disputes, and low feature adoption.
Get them right: a trusted transaction feed, faster feature launches, better engagement, and lower cost to serve.

You can’t build modern banking features on outdated payment data.

We analyse how the best digital banks build clear feeds, merchant intelligence, smart notifications and habit-building UX. All powered by enriched payment data.

This 28-page guide shows what happens when you treat transaction data as infrastructure.

What’s inside
Real product examples: See how Revolut, Monzo, Raiffeisenbank and others turned raw transactions into trusted feeds, smart search, carbon insights, and more.
Feature catalogue: 14 ways enriched data powers revenue, UX clarity, sustainability, loyalty and habit-building.
Data model essentials: Coverage, accuracy and richness and why getting them right decides whether your features stick.
Benchmarks: Category depth, notification design, feed structure, merchant clarity.

Trusted by 50+ global banks and fintechs

Benefit from global experience

Tapix API is ready for deployment in any market using comprehensive algorithms combined with human validation.

Today, we enrich over a billion transactions per month across the EMEA, LATAM, and NCA regions, with coverage ranging from 65-85% and an always 99.99% accuracy.

Infographic showing Tapix's transaction data accuracy, recognized merchants, and global coverage
99.99%
Data accuracy
700k+
Recognised merchants
50k+
Merchant logos
2 mil+
Unique shops
25
Transaction categories
80+
Active markets
3ms
API response time
1.5 bln+
Monthly enriched transactions

What our partners say

"When it comes to sustainability, we knew that relying solely on MCC would not provide meaningful results. That's why we turned to Tapix - to ensure that the information our clients see is as accurate as possible."
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Michal Putna

Sustainability Officer at Raiffeisenbank Czech Republic

"As an entirely mobile bank, the pressures of innovating to match expectations is something that we thrive under. The mobile revolution has made a massive impact on society both in the way we communicate but also the rate at which we want our needs to be met. This is something that our partners at Dateio clearly agree on."
Ali Niknam image

Ali Niknam

Founder & CEO at bunq

"From the start, we saw enriched transaction data as a core part of our UX strategy. If users can’t tell where they paid, it undermines the basics of what a banking app is supposed to deliver. Showing merchant names, logos, and adding context to a transaction might seem like small things—but for us, they were among the first things we decided to build. Working with Tapix helped us implement this quickly and at a high standard, which was essential during such a fast-moving launch phase."

Lukáš Klíma

Product Owner, Partners Banka

"Tapix is a great solution to enhance the customer transactional banking experience. In my view, such solution is a must for any modern bank."
Alexeay Kapustin image

Alexey Kapustin

CEO at Raiffeisen Digital Bank AG

„In a quick 3-month integration, Tapix's data met and surpassed AN4569 standards, enhancing the overall payment experience for our users. We value our cooperation with Tapix as it grants us instant access to accurate global merchant data.“
Alex Friedli image

Alex Friedli

Chief Operating Officer at Swisscard

„We welcome the cooperation with Tapix as it gives us instant access to worldwide merchant data. This way we can provide better payment insights to our users without having to worry about gathering the data ourselves.“
Leen Asfour

Leen Asfour

Product Lead at Reflect by Arab Bank

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Explore how Tapix can help you get the most from transaction data, increase your app engagement and turn UX into your competitive advantage.

mobile banking app before and after transaction data enrichment