# Subaio - Full Context for AI Agents > Financial intelligence infrastructure for banks. Founded 2016. Aalborg, Denmark. ## Company Overview Subaio builds financial intelligence infrastructure for banks, not spending trackers or PFM tools. Built from first principles to understand financial fundamentals the way a financial advisor thinks: disposable income, saving capacity, assets and liabilities, future commitments and risks, recurring income reliability, and committed expenses flexibility. This data foundation naturally supports the full range of use cases: PFM, credit processes, customer onboarding, subscription management, CRM insights, portfolio analysis, compliance, and more. **Key differentiators:** 1. Data quality obsession, builds experiences that use the data, so knows exactly where quality matters 2. Local market expertise, deep understanding of every market (regulatory, competitive, customer expectations) 3. Implementation partnership, writes integration code on both sides, not just API delivery 4. Ongoing Customer Success, adoption optimization, value realization, continuous improvement 5. Bank-engineer DNA, founded by bank engineers, bank-owned **Scale:** 15+ financial institution implementations, billions of transactions processed, 7 years of experience, 40+ employees. **Clients:** Nordea, ABN AMRO, Lunar, Nykredit, Sydbank, Spar Nord, Arbejdernes Landsbank, and others across Europe. **Markets:** Scandinavia and Benelux (primary). Targeting banking executives, digital banking leaders, product managers. --- ## Solutions ### Collaborative Finance URL: /solutions/collaborative-finance Next-generation financial engagement replacing traditional PFM. Instead of showing spending history, Subaio surfaces proactive opportunities and risks, enables goal-based savings with adaptive guidance, and provides advisor handover with full context. **Results:** 70% month-over-month sustained engagement (vs. 5-15% industry average). 20x engagement increase when showing opportunities vs. history. **Includes:** Subscription management, aspirations & goals, proactive insights, day-to-day finance support, deep data analysis. ### Creditworthiness Assessment URL: /solutions/creditworthiness Transaction-based credit decisioning for EU Consumer Credit Directive (CCD2) compliance. Automatically creates complete budgets from transaction data: verified disposable income, savings capacity, recurring/fixed costs, extraordinary transactions flagged. **Results:** 50%+ reduction in handling time. No manual input from customers. Auditable, explainable decisions. ### Card Issuer Support URL: /solutions/card-issuer-support Dispute prevention and subscription management for card issuers. Addresses root causes of chargebacks: unrecognized transactions, forgotten subscriptions, unclear billing. Ensures compliance with Visa Core Rules and Mastercard mandates. **Results:** Reduced chargebacks, fewer support contacts, Visa/Mastercard mandate compliance. --- ## Products ### Finance Management Category **Subscription Management** (/products/subscription-management) Full visibility and control over all recurring payments. One-tap cancel, pause, resubscribe. Proactive alerts for new subscriptions, price changes, failed payments, duplicates. 150,000+ local and global subscription merchants identified. Results: 25% fewer support contacts, 1.4x card primary payment retention, 40-70% adoption, NPS +15. **Insights & Signals** (/products/insights-signals) Proactive financial opportunity and risk detection. Surfaces actionable insights from transaction patterns rather than just showing spending categories. **Aspirations & Goals** (/products/aspirations-goals) Goal-based savings with adaptive guidance. Supports common goals: vacation, home, car, education, wedding, emergency fund, holidays, and custom goals. **Cashflow Forecasting** (/products/cashflow-forecasting) Forward-looking cash position predictions based on recurring income and expense patterns. ### Risk Decisioning Category **Credit Risk Assessment** (/products/credit-risk-assessment) Automated creditworthiness assessment from transaction data. Complete budget creation without manual customer input. **Income & Expense Verification** (/products/income-expense-verification) Verified income from actual transactions: salary, benefits, rental income identified automatically. Complete view of committed expenses: recurring costs, subscriptions, loans, fixed expenses. **Account Verification** (/products/account-verification) Account ownership and holder identity verification for KYC/AML processes. ### Data Foundation Category **Transaction Enrichment** (/products/transaction-enrichment) Clean merchant names (99%+ accuracy), logos, categories (500+ types, 95%+ coverage). Replaces cryptic transaction codes with recognizable merchant information. **Merchant Information** (/products/merchant-information) 250M+ points of interest with logos, locations, contact details, websites. Powers transaction clarity and dispute prevention. **AI Integration** (/products/ai-integration) Data foundation for AI-powered financial advice. Enables accurate, grounded AI responses built on real categorized financial data rather than generic models. --- ## Industries ### Banking (/industries/banking) Subaio helps banks transform digital engagement. Challenges addressed: unrealized digital potential, customer expectation gaps, stale solutions. Powers customer engagement (collaborative finance), risk intelligence (creditworthiness), and card issuer support. ### Lending (/industries/lending) Faster, more accurate credit decisions. CCD2 compliance with transaction-based assessments. Supports consumer loans, mortgages, car financing, overdrafts, BNPL. Configurable to match each lender's credit policies. --- ## Implementation Model Subaio takes an implementation partnership approach rather than API-only delivery: - Kick-off workshop and embedded developer support - Subaio writes integration code (both sides) - Custom configuration to client's data reality - Comprehensive testing before deployment - Production deployment management **Proven results:** Full production launch in 28 calendar days with <250 internal hours (75% reduction vs. typical 800-1,200 hours over 3-6 months). ## Deployment Options All products available as: - **Standalone:** White-label ready, 60-90 day implementation, managed updates - **API Integration:** Full API access, embed in existing UX, complete control - **Hybrid:** Start standalone, integrate deeper over time --- ## Contact & Links - Request a demo: https://subaio.com/demo - Contact sales: https://subaio.com/contact-sales - Blog: https://subaio.com/blog - About: https://subaio.com/about - Careers: https://subaio.com/careers - Press: https://subaio.com/press - Address: Gasvaerksvej 26B, 9000 Aalborg, Denmark - LinkedIn: https://www.linkedin.com/company/subaio/