ATM Nearby™

Mastercard AN4569 has been in force since 2023, and Visa's enhanced merchant data mandate follows in January 2027. The two requirements overlap more than they differ - and one enrichment layer, built to the right standard, covers both. Here's what European issuers need to meet, where the mandates align, and how to turn compliance into infrastructure.

Banks hold the richest behavioural data of any industry - every purchase, every transfer, every recurring obligation. And almost nothing they build with it feels personal. Sentient design is the model that would change that: interfaces that observe the user, infer what they need, and act before being asked. The model is real, the early examples exist, and bank product teams are starting to ask how to implement it. But every sentient moment depends on something most banks still don't have under control: clean, enriched transaction data that the AI can actually read. But first, you have to start with small steps. So we sat down with Ergomania's design strategist to learn how.

Merchant name inconsistency seems to be the rule in raw transaction data. A single global brand can appear as twenty or more distinct strings in a bank's transaction feed. Same merchant. Same card. Sometimes the same store on the same day. The descriptors land differently anyway. It is a structural property of how card payments work, and any product built on top of unresolved transaction data inherits the inconsistency by default.