Resources about TapiX and Open Banking

In today’s fintech era, it’s crucial to understand how we can use our customers’ data to make better decisions and understand their needs more deeply. But how exactly can we use this data, what types of data do we have and what can we get out of it?

In an exciting move towards promoting sustainable practices and empowering users to make
eco-conscious decisions, bunq has successfully integrated Dateio’s latest product, TapiX EcoTrack, into its banking app. This integration marks a significant step forward in fostering collaboration between two industry leaders and revolutionizing the way consumers engage with their carbon footprint.

How do you improve your digital banking app? Data is a key resource in this regard. Through data enrichment and subsequent analytics, banks can gain a deeper understanding of their customers, optimize their operations and come up with new opportunities for their customers. In this article, we will focus on leveraging the underlying data from MCC codes and enriching it. This knowledge is one of the pillars of the success of neobanks like bunq or Revolut, so don’t be left behind.

Dateio, the leading Czech fintech company renowned for its innovative payment data enrichment solution, is thrilled to announce its expansion into the LATAM region fulfilled in record time of 6 weeks from first chat to launch. This strategic move comes on the heels of remarkable success in other markets, and it further strengthens Dateio’s commitment to enhancing user experiences and driving data-driven insights in the banking and fintech industry.

Sustainability is becoming an increasingly key issue in digital banking, both from the perspective of consumers and from the standpoint of banks reflecting their interests as well as their ESG strategy. The interest also reflects a growing awareness of the climate change we are facing. In this article, we take a detailed look at why green direction and green thinking in banks and their banking applications are coming to the foreground now. We will reflect on the main differences between truly sustainable banking and greenwashing. We will also look at current initiatives that are working in the market to promote sustainability in banking.

In today’s digitalized world, data insights into the customer’s spending habits and personal finance management have become an essential part of digital banking. However, the process of categorizing transactions can be challenging, particularly when it comes to merchant category code (MCC) based categorization. In this study, we have recognized such challenges and limitations and we bring you a deeper insight as well as solutions to the issues addressed.

One of the Czech representatives is Dateio, a company enabling more than 600 merchants to reach millions of customers through personalized offers in banking applications. Dateio’s products and services are based on enriching transactional data using complex algorithms and machine learning. Payment data enriched in this way helps more than 30 banks and fintechs worldwide to improve customer experience, educate clients and provide a complete picture for data analysts.

Banks today have many modern tools and technologies at their disposal that allow them to create a superior user experience for their customers and become their main mobile app. However, many banks are not yet harnessing the full potential of new technologies to keep users active and motivated to use the banking app more often. If you want to retain active and loyal customers, there’s no better way than to offer them personalized and modern banking services that are accessible anytime, anywhere.

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 payment data enrichment is so important in banking and how to get started.

The topic of global warming, long-term sustainability and overall respect for planet Earth has been discussed for decades, across human activities and industries. Today, there is little doubt that climate change poses a real and significant political and economic risk to humanity.

Today, TapiX is excited to announce its partnership with Reflect, the first neobank in Jordan. This partnership will bring TapiX’s enriched payment data to Reflect’s App users, providing a better customer experience and better control of their money. Enriched payment data brings valuable insights into customer behavior, which can help banks like Reflect offer better services to their users.

As digital banking has revolutionized how people manage their finances, banks have been competing to offer the most efficient and user-friendly services.

When it comes to banking, forget apps as an afterthought – they’re essential for providing customers with quick, secure and seamless experiences. A great banking app can be the difference between a loyal customer for life or one who switches banks. But what makes the perfect banking app?

Everly and TapiX joined forces to organize a panel on the topic of Future of Banking: Gen Z. Join us for an exciting online discussion with speakers from W1tty, MyMonii, Gimi & Lunar on the 7th of December at 4PM CET. In this article we provide highlights regarding the Gen Z Banking landscape

Data is the most valuable commodity of the 21st century, and its importance is growing every day across industries. Finance and payments are good examples of this. Find out what the new Mastercard Mandate means for banks and fintech

Dateio, being a venture providing services to small and medium-sized enterprises (SMEs), we were excited to attend and partner with the recent SME Banking conference in the heart of Prague inside Zofin Palace on November 25th, 2022 organized by SME Banking Club.

Launching a Neobank may seem as straightforward as opening up any street corner shop. However, the reality is that beyond creating an innovative product comes with various levels of legal and technical complexity – from compliance to fraud protection processes.

Our data team leader Adam highlighted 6 reasons to work at Dateio. Learn more about his favorite parts of the job.

Recently, Simon Koci, the Head of International Partnerships at TapiX by Dateio, was featured in a report, where he discusses his views on the future of fintech. In this article, we highlighted the findings of a recent survey of 100 fintech product specialists and provided insights into latest banking product trends.

With the rise of green banks around the world, customers are now asking for more than just basic banking services. They want their money to do good while they’re making it rain – or at least balance out environmentally friendly initiatives with some technologically savvy investments.

Everly and Dateio joined forces to organize a panel on the topic of Future of Banking: Gen Z. Join us for an exciting online discussion with speakers from W1tty, MyMonii, Gimi & Lunar on the 7th of December at 4PM CET

In a few years, banking will look much different than it does today. Here are four trends to expect in 2023. First, mobile banking will continue to grow in popularity. In fact, many banks might eventually move entirely to a digital-only platform.

Cleaning data from payment transactions was initially an painstaking manual task. Seven years ago, we were learning to understand data, googling and searching the web for data. We started with a few thousand enriched transactions a month, but gradually we algorithmized the manual work and built our data engine. Today, we process thousands of times more transactions with a huge degree of automation.

As we at SME Banking Club discuss topics connected with the digitalization of SME banking on an everyday basis – during our webinars, publications on the websites, and interviews, in this article, I summarized the main subjects leading banks in the CEE region are thinking about right now.

Rising inflation, economic recession, rising prices of absolutely everything… The times are not exactly conducive to splurging, quite the contrary.

SME Banking club sat down with Šimon Kočí, Head of International Partnerships for TapiX by Dateio, who will be moderating a panel discussion on the topic of Cooperation between banks and fintechs the upcoming CEE SME Banking Conference in Prague.

We all use data enrichment every day, often without realising it. Google’s autocomplete feature, for instance, relies on data enrichment to provide users with a more intelligent search experience.

Innovative REST API service, TapiX, announces a partnership with Bitpanda, a leading cryptocurrency and investment platform, to fuel their transaction history with enriched payment data.

Data is the key to understanding the customer and the long-term success of any business, so it’s no wonder it’s a sought-after commodity. Accurate and detailed data not only unlocks the door to further business growth, but also to increasing customer satisfaction.

Have you ever been hesitant to go into a car dealership for the fear of being mobbed by hungry salesmen? Bank account holders feel the same way about banks that are too aggressive with cross-selling efforts. Rather than taking a scatter-shot approach that catches customers in the crossfire, banks should target those customers who actually might buy the product.

Dateio, Czech pioneer in payment data enrichment, has partnered with YAP, the leading fintech revolutionizing the digital banking experience in MENASA, to provide YAP’s client with clarity around their spending.

Twisto is a FinTech that enables their clients to shop now and pay later when it suits them. Thanks to the implementation of TapiX, Twisto users can additionally review their expenses and check where the purchase was made.

The Dutch challenger bank was struggling to achieve a high coverage of merchant reconciliation such as merchant name, logo and payment category, with low costs. In this case study, we are deep diving into how bunq’s data coverage has increased by 300% with minimum cost and what key features bunq build on top of enriched payment data provided by Dateio’s TapiX API.

#DisruptionBanking welcomes you to the newest edition of #DisruptionChat where they sat down with Ivan Dovica to discuss Bunq, Fintech and multi‑country Banking Data services that the team are developing.

The restriction of free movement, retail sale and other services has had a strong economic impact. Tech solutions are one of very few options which will allow us to return to a (new) normal way of life soon and help us prepare for the potential second wave of coronavirus. What is the role of Technology in the covid times?

The biggest giants like Amazon, Facebook and such are leading the global market in a way which is affecting the majority of industries. They provide their clients with amazing experience when using their services. The security, trust or the number of features is no longer a dealbreaker in a customer’s journey when choosing a bank – UX is the key.

Ivan sat down with FinTech Cowboys to discuss Dateio and their future plans.

It is safe to say that personalization stopped being an option and became the new necessity to every business and not just to those in the financial sector. The advancement of technology, development of analytical tools and change of consumers’ perception of digital channels are creating endless options for banks to take a hold of personalization and utilize it to the benefit of everyone.

We have previously emphasized the importance of powerful UX and how TapiX can help you elevate the customer experience. Let’s look more closely on the principles that change the thinking of financial institutions from product‑centered to user‑centered. Let’s break down the key elements of TapiX.

Managing your finances can feel a lot like exercising – you know you should be doing it, it is only efficient if you do it regularly and you can see the positive effects better in the long‑run. There is however one distinctive difference. Unlike exercising, due to technology advancements in the recent years, the amount of time and effort that users have to invest into managing their finances has decreased significantly.

Moderated by Šimon Kočí, the Head of Partnerships at TapiX, the round-table discussion aimed to identify the challenges and opportunities in design of financial services.

We decided to provide our insights into the power of strictly MCC-based categorization and its limits. Categorization is important for credit risk scoring and it is the basis for Personal Finance Management tools.
When we analyzed our categorization with MCCs, we saw that only 53% of transactions could be easily and reliably categorized based on their MCC code. Let’s have a look at the most frequent problems we identified that make MCC usage more difficult than it may seem at the first glance.

Read about us in SBB Magazine and find out how SME can benefit from Dateio data enhancement.