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Customer behavoiur insights

Truly understand your
clients' daily lives

Maximise scoring accuracy with intelligent transactional data and gain a new layer of insight into your clients' daily lives and behaviours with 99.99% accuracy.

Visual dashboard showing spending categories, income, and locations to support Tapix credit scoring solutions and customer behaviour insights.
Get behavioural patterns from your payment data

Analysing income and expenditure and behaviour patterns can take a long time. Are you quite sure today that you finally know and understand who is really the clients on the other side? What are their habits, needs or wishes?

Even a seemingly decent person...

Analyzing income, expenses, and behavior patterns can take time. Are you certain you truly know who your loan applicant is by the end?

Overview of incorrectly enriched transactions based on MCC codes.
...can actually be someone else

Identifying a risky gambler from a successful manager with a family can be tricky. However, with a structured transaction history based on detailed payment categorization, merchant identification, and purchase location recognition, you’ll know immediately.

Overview of enriched transactions after applying Tapix credit scoring solutions.
Overview of incorrectly enriched payment transactions.Correctly enriched payment transactions categorised with Tapix for better data clarity.

How to leverage smart data for behaviour analysis?

Leverage the power of correct payment categorisation

Tag and segment each individual transaction

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25 merchant categories and 500+ ready-made store-level tags
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Retail, Business, Investment, Eco and Custom labelling
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Subscription labelling
Tagging transactions by merchant type and label to improve accuracy in real time credit scoring.
Tapix four-level categorisation system enhancing transaction categorisation using MCC codes

Exceed MCC categorisaton

Gain deep insights into specific client lifestyle and predict behaviour with a four-level transaction categorisation system.

Discover behavioural patterns from spending locations

Knowing where your clients live, where they pay and where they actually live will help you better understand and predict their living expenses.

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Street, zip, city, region, county and country
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Identification to the level of individual stores in large shopping centres
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Physical store, e-shop and online payment recognition
Tapix credit scoring solution using GPS location data and merchant categorisation to reveal behavioural patterns from spending locations.
Various merchant descriptions unified into one accurate merchant name.

Understand who your clients actually pay

Knowing where your clients live, where they pay and where they actually live will help you better understand and predict their living expenses.

Tapix enhances any payment type

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Bank transfer identification
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Card payments, ATM withdrawals and open banking recognitions
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Recurring payments, tranwsfers and subscriptions

Get trusted insights and truly understand your clients' lives

Discover more data solutions that empower your analytics teams to make smart strategic decisions.

Be a step ahead

Product insights

Getting to Know Payment Data Enrichment in Banking: Why It’s Essential

Tracking financial flows is one of the key elements of banking, and payment data enrichment is becoming an increasingly important tool for banks to improve their services and minimise risk. In this article, we look at why it is so important in banking and how to choose a transaction data enrichment API.
Industry insights

Becoming the Bank of Choice: How to Stand Out From the Crowd

Switching banks is more common than one might think. According to a satisfaction survey conducted by J.D. Power, nearly 13% of consumers are expected to switch their primary bank this year. The most common reasons for this shift include high fees, poor customer service, lack of convenient digital banking features, and better offers from competitors. Is there a way to be a part of the client's life journey indefinitely? Let's find out.
Product insights

Enhancing Credit Scoring with Smart Data: The Future of Financial Risk Assessment

For many decades, credit scoring has built the foundation of financial risk assessment and provided banks and other financial institutions with a quantitative view of a borrower's creditworthiness. Traditionally, credit scores are derived from a combination of factors that include payment history, credit utilization, the length of credit history, types of credit used, and recent credit inquiries. These data points offer a very narrow window into the financial behavior of a borrower and often lead to misjudgments in lending decisions. A modern answer to this is smart data. Or, more precisely, enriched data.

Switch to Tapix today!

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

Dashboard showing spending, income, and locations for credit scoring