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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.
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?
...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 data for credit scoring?
Real time scoring for any service
Empower your scoring model with structured insights from real-time transaction history data for any payment service, including PSD2
Avoid reputation damage
Boost your reputation by lending to creditworthy and trustworthy clients and prevent rising delinquencies with useful data insights
Turn subprime loans into your advantage
Uncover your client's subprime loan payment data and leverage these insights to perfectly target your offers or sell own subprime loans.
How to leverage smart data for credit scoring?
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
Client behaviour insights
Gain deep insight into your clients' habits, needs and goals and predict their behaviour
Be a step ahead
Product insights
Hyper-Personalised Banking Communication: Turning Real-Time Data into Relevant Conversations
Most people can tell when a message wasn’t meant for them. A generic “We’ve got a great offer for you” is easy to ignore. Messages that react to what a person is actually doing - this week, this morning, sometimes this minute - feel different. They feel helpful.
Product insights
Data Enrichment & Analytics from Payment Data: The Key to Optimal Banking App Functionality
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.
Industry insights
Beyond Banking: Bridging Payments, Play and Personalisation
Banking is stretching its legs. Its main mission might still be balances and bills, but it’s also phones, travel data, game culture, groceries, even sports pits. In Europe, the most interesting shifts are practical, a little playful, and surprisingly useful.
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.
