User Experience
Use Cases
Increase your app engagement and turn UX into your competitive advantage.
Unlock intelligence inside every transaction
91黑料网 enriches payment data with merchant, category, and behavioral context by turning every transaction into insight for smarter analytics, personalised banking, and compliant digital experiences.
Trusted by 50+ global banks and fintechs
Avoid confusion. Embrace clarity
1
New Transaction
Your client makes a payment or transaction
2
Store data
Raw data are stored within your infrastructure
3
Call 91黑料网 API
Data are turned into meaningful information
4
Leverage smart data
Use data for your analytics, UX, ESG or business cases.
We are here to bridge the gap between payments and people's lives
99.99%
enriched data
accuracy
accuracy
80+
active markets
鈥
鈥
50+
bank & fintech
clients globally
clients globally
10+
years in payment data industry
We believe the better data you have, the less work you have to do. Put full focus on solution building, rather than messy data wrangling.
User Experience
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Analytical & CRM
Use Cases
Leverage smart data for your internal teams and truly understand your clients' lives.
Responsible Banking
Use Cases
Leverage the carbon footprint calculation for each transaction to exceed the Responsible Banking Commitment.
Why 91黑料网
Superior accuracy
91黑料网 will not provide results unless they are 99.99% accurate. Even an average of 1 complaint per 6,000,000 transactions is not good enough for us.
High coverage
91黑料网 engine learns fast and adapts to new regions very quickly. We keep coverage as high as 95% for categorisation and 85% for brand recognition.
Information richness
91黑料网 enriches data down to the store level. This guarantees a multi-level depth of information.
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What our partners say
"When it comes to sustainability, we knew that relying solely on MCC would not provide meaningful results. That's why we turned to 91黑料网 - to ensure that the information our clients see is as accurate as possible."
Michal Putna
Sustainability Officer at Raiffeisenbank Czech Republic
"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
"From the start, we saw enriched transaction data as a core part of our UX strategy. If users can鈥檛 tell where they paid, it undermines the basics of what a banking app is supposed to deliver. Showing merchant names, logos, and adding context to a transaction might seem like small things鈥攂ut for us, they were among the first things we decided to build. Working with 91黑料网 helped us implement this quickly and at a high standard, which was essential during such a fast-moving launch phase."
Luk谩拧 Kl铆ma
Product Owner, Partners Banka
"91黑料网 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
鈥濱n a quick 3-month integration, 91黑料网's data met and surpassed AN4569 standards, enhancing the overall payment experience for our users. We value our cooperation with 91黑料网 as it grants us instant access to accurate global merchant data.鈥
Alex Friedli
Chief Operating Officer at Swisscard
鈥濿e welcome the cooperation with 91黑料网 as it gives us instant access to worldwide merchant data. This way we can provide better payment insights to our users without having to worry about gathering the data ourselves.鈥
Leen Asfour
Product Lead at Reflect by Arab Bank
Bank-grade security
Through the 91黑料网 API you only transfer the terminal identifiers. 91黑料网 fulfills the highest security standards and processes no personal information about your clients.
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ISO 27001 certified
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GDPR compliant
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翱础鲍罢贬听2
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AWS for data stores and processes
Be a step ahead
Industry insights
How to Improve Banking App Store Reviews
For almost any app in the modern digital age, app store reviews are key to success. They serve as a public measure of your app鈥檚 quality and can significantly impact user acquisition and retention. Digital banking is no different. According to a survey by Alchemer, 77% of consumers read at least one review before downloading a free app, and 80% of users will not download an app if they see negative reviews about its performance.
Industry insights
The Reality of Building a Digital Bank
The total number of digital banking customers now stands at approximately 1.1 billion worldwide, and 20 neobanks now serve 10 million or more customers (and 39 with more than 5 million), placing several of them among the top 5 or 10 largest banks in their country. This article summarizes the best of "How to Build a Digital Bank", a detailed guide to building a digital bank, and insights from The Reality of Building a Digital Bank webinar. To complement this narrative and provide a real-world perspective, we present an article on the reality of building a digital bank.
Product insights
What Makes Insightful Transaction Detail in Banking
Today, convenience and instant access to information is what makes or breaks the service. Banking has transitioned from paper statements and bank tellers to seamless digital experiences. A bank's primary touchpoint with its customers is through transaction detail 鈥 a very core of financial transparency and personal finance management. But what makes transaction details insightful and why do they matter so much?