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Transaction Data Enrichment

Customer Behaviour Insights

Maximize the quality of your anlytical outputs through enriched transactional data and gain a new layer of insight into your clients' habits

Truly understand your
clients' daily lives

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...

If you are already experiencing that the input data for your analysis is insufficient, poorly categorised or you missing the detail and context, heads up , there is a solution.

...can actually be someone else

With a structured transaction history you'll know instantly and you can properly segment the customer and communicate with them the right way.

Trusted by 50+ global banks and fintechs


Why use enriched transactional data to analyse clients' behaviour?

Drive revenue

Empower marketing, sales or development teams with invaluable customer behavioural insights and offer the right products at the right time.

Drive hyper-personalisation

Increase client loyalty and retention by communicating with clients in a personalized way and in the context of their needs based on accurate segmentation.

Drive conscious

Payment data unlocks opportunities to not only understand your current status and history in detail but is even the key to predicting future behaviour.

Your Analytics is only as good
as your entry

TRansaction Categorisation

Correct categorisation
is the key to client segmentation

Structured and detailed categorization opens the door to gaining deep insight into their lifestyles.

25 merchant categories and 500+ ready-made store-level tags
Custom categories and tags
Retail, business, investment and CO2 labeling

Far beyond MCC codes

TapiX's four-level transaction categorisation system provides maximum flexibility. Tags can be combined independently of category to capture a merchant's services or products in greater depth.

Merchant categories
Unique store-level tags
Categorisation coverage
Data accuracy

Examples of behavior patterns
using enriched categorisation

Meet David, a regular employee who rents an apartment and spends a lot on groceries, water parks, and children's toys, indicating he’s a dad. He regularly pays at 3 locations, likely near his home or workplace. David eats lunch around the office on weekdays and grocery shops in the evenings or on weekends. He’s also an avid weekend traveller who enjoys swimming and cycling. This detailed categorisation reveals his lifestyle and spending habits.

Artificial intelligence in credit scoring?
Yes, but...

...there is a piece of European Commission legislation called the "AI Act". Learn how to incorporate AI Act compliance into your risk management strategy.

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GPS location

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.

Street, zip, city, region, county and country
Identification to the level of individual stores in large shopping centres
Physical store, e-shop and online payment recognition
merchant name

Understand who your
clients actually pay

Get a clean and accurate merchant name for every single transaction (both income and expenditure)

Identification to the level of individual stores in large shopping centres
Sub-brand recognition (e.q. Marks & Spencer vs Marks & Spencer Foods)
Franchise recognition (e.q. Amazon vs Amazon Prime)

Retrieve an actionable insight in 3ms

With high scalability, TapiX is is designed to handle the needs of the world’s largest banks.

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


Recognised merchants


Store-level category tags


Unique locations


Data accuracy


Markets covered

1.5 bln

Enriched Tranactions
per month

Success story

How bunq provides
data-driven insights?

bunq - the Dutch challenger bank was struggling to achieve a high coverage of merchant reconciliation. Learn more about how TapiX helped them through payment data enrichment.

Read success story
"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

Founder & CEO at bunq

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

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

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 start worry about gathering the data ourselves.“

Leen Asfour

Product Lead at Reflect by Arab Bank

Ready to take the next step?


Bring more value to your users through enriched payment data

How do you ensure data quality?

TapiX uses multiple controls based on statistics, outlier detection and various algorithms to provide you with the best data quality possible. Data quality is supervised by our data team to prevent any mistakes. Due to the complexity of data quality checks, TapiX receives less than 1 complaint per 6 000 000 processed transactions.

Are our clients data secure?

Through the API you only transfer the terminal identifiers. TapiX fulfills the highest security standards and processes no personal information about your clients. We are ISO 27001 certified and GDPR compliant. Dateio stores and processes data in AWS which fulfills the highest security standards.

How do you ensure data quality?

Note that if TapiX returned an “unsolved” shop it might be due to multiple reasons. The data provided might not be sufficient enough to identify the correct shop (e.g. not enough parameters provided) or TapiX simply does not recognize the shop now. TapiX always returns as much information as possible but it is always possible that some information about the shop or the merchant may be missing. Note that the quality of the service improves over time and your data can be solved in the near future.

Be one step ahead

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