By clicking “Accept ”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Cookies Policy for more information.
smart data for credit scoring

Lower your default risk rate with superior insights

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.
Are you sure you know who you're lending money to?

Are you absolutely sure you know and understand who your clients really are? What are their habits,needs or wishes? With enriched payment data, you know in an instant.​

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.
Correctly enriched payment transactions categorised with Tapix for better data clarity.Correctly enriched payment transactions categorised with Tapix for better data clarity.

How to leverage smart data for credit scoring?

Leverage the power of correct payment categorisation

Tag and segment each individual transaction

icon check
25 merchant categories and 500+ ready-made store-level tags
icon check
Retail, Business, Investment, Eco and Custom labelling
icon check
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.

icon check
Street, zip, city, region, county and country
icon check
Identification to the level of individual stores in large shopping centres
icon check
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

icon check
Bank transfer identification
icon check
Card payments, ATM withdrawals and open banking recognitions
icon check
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.

Banking app UX with merchant logos, GPS-based transaction location, and spending insights

Be a step ahead

Product insights
blog post image

How Smarter Transaction Categorisation Opens the Door to Better Banking

The way we handle financial transactions has evolved significantly. Contactless payments, mobile wallets, and digital-only banking apps have redefined what it means to manage money. Despite all the technological progress, many banks still struggle in one important area: categorising transactions effectively. This is essential for almost every digital banking service.
Inside Dateio
blog post image

From Intern to Product Lead: How Kateřina Linhartová Helps Banks Track Carbon Footprints in Their Apps

She wanted to work in a startup and change the world around her. The idea took root during her Erasmus exchange in Finland, which she joined while studying at the Prague University of Economics and Business. Still a student at the time, Kateřina Linhartová joined the fintech company Dateio as an intern.
Industry insights
blog post image

Responsible Banking Done Right: The Top 5 Banks and How They Lead

In recent years, more and more banks and financial institutions focus on sustainability as a core component of their operations. This shift towards responsible banking (also known as ethical banking) is mostly a response to the pressing global challenges of climate change, social inequality, and environmental degradation.

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