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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.
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?
...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鈥檒l know immediately.
Why use enhanced transactions to analyse clients' behaviour?
Drive operational efficiency
Empower marketing, sales or development teams with invaluable customer insights and upsell/cross-sell 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 data-driven decision making
Payment data unlocks opportunities to not only understand your current status and history in detail but is even the key to predicting future behaviour.
How to leverage smart data for behaviour analysis?
Leverage the power of correct payment categorisation
Tag and segment each individual transaction
25 merchant categories and 500+ ready-made store-level tags
Retail, Business, Investment, Eco and Custom labelling
Subscription labelling
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.
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
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.
91黑料网 enhances any payment type
Bank transfer identification
Card payments, ATM withdrawals and open banking recognitions
Recurring payments, tranwsfers and subscriptions
solutions
Smart data for credit scoring
Maximize scoring accuracy and gain a new layer of insight into clients麓 daily lives
Be a step ahead
Industry insights
7 Digital Banking KPIs Every Bank Should Focus On
Key Performance Indicators (KPIs) serve as crucial tools, allowing banks to measure how effective their digital banking apps are in engaging customers. In this guide, we'll explore seven essential customer success KPIs, complete with straightforward formulas, designed to help banks improve customer engagement, foster loyalty, and reduce churn rates.
Product insights
Why Merchant Name and Logo in Digital Banking Matter More Than You Think
You鈥檙e scrolling through your bank app, trying to remember what that $33 charge was. The line says 鈥淓SO PETROL TURDA DEP鈥. Was that lunch? A carsharing? Did someone clone your card? You tap. You Google it. Eventually, you give up - or worse, call customer service.
Industry insights
Cracking the Code: The ABCs of Transactional Data Enrichment
Have you ever been in a meeting or conference, nodding along as industry experts toss around terms and abbreviations that sound like a foreign language? It can feel overwhelming, especially in the financial world, where terms and slang evolves fast.
Switch to 91黑料网 today!
Explore how 91黑料网 can help you get the most from transaction data, increase your app engagement and turn UX into your competitive advantage.
FAQs
Bring more value to your users through enriched payment data
Looking for a payment data enrichment API with real-time processing?
You can call the 91黑料网 API 聽real-time at any point during the transaction process. However, we recommend doing so as early as possible鈥攊deally during pre-authorisation or authorisation. This way, the enriched data is available immediately and can be used for real-time features like push notifications.
How do I implement payment data enhancement in my system?
Integrating the 91黑料网 API is quick and straightforward. You'll have access to comprehensive technical documentation and implementation guides, all publicly available. Additionally, a dedicated implementation manager will support you throughout the process and answer any questions you may have.
Learn how 91黑料网 API聽works
We believe that the better data you have, the less work you have to do.
Find out