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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

Industry insights
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Transaction Enrichment API: Best Practices and Common Pitfalls

We’ve covered transaction enrichment in detail before - how raw, chaotic payment data gets cleaned up and made meaningful. But this time, we’re looking at it from a different perspective. If you’re planning to integrate an enrichment API into your business or just want to know how API works in the context of digital banking, this article will be your guide.
Product insights
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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.
Success stories
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Deblock x Tapix: Millions of Transactions Enriched in Under 30 Days

Deblock, founded by Revolut alumni and based between London and Lille, is creating a new kind of account — combining traditional banking features with a non-custodial crypto wallet. With full EEA coverage and a newly secured banking license, the company is scaling fast.

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