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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’ll 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.
Tapix 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´ daily lives
Be a step ahead
Industry insights
Key Features of Digital Banks: Insights from a Leading Fintech Expert
I’m Ondřej Machač, a FinTech enthusiast with a passion for pushing the boundaries of financial technology. I currently manage over 15 bank accounts across the EU, constantly testing them to stay on top of the latest trends in banking and fintech. I regularly share my insights in Fintree, the largest FinTech magazine in the Czech Republic, which I founded. Additionally, I work at Roger, one of the largest Czech fintech companies, which closely collaborates with banks.
Industry insights
Why MCC codes do not help (much) with payment categorization
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.
Industry insights
How to build top-notch personal finance management tools? Focus on data
Rising inflation, economic recession, rising prices of absolutely everything... The times are not exactly conducive to splurging, quite the contrary.
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.
