# Subaio

> Financial intelligence infrastructure for banks.

Subaio builds the data layer that powers financial experiences in banking. Founded in 2016 by bank engineers, headquartered in Aalborg, Denmark.

## What Subaio Does

Subaio provides transaction-level financial intelligence to banks and financial institutions. Unlike traditional PFM tools that categorize spending history, Subaio understands financial fundamentals: disposable income, saving capacity, recurring commitments, and future risks.

## Solutions

- [Collaborative Finance](/solutions/collaborative-finance): Next-generation PFM with 70% sustained engagement (vs. 5-15% industry average). Proactive insights, goals, and advisor handover.
- [Creditworthiness Assessment](/solutions/creditworthiness): Transaction-based credit decisioning for CCD2 compliance. 50%+ reduction in handling time.
- [Card Issuer Support](/solutions/card-issuer-support): Dispute prevention and subscription management for card issuers. Visa mandate compliance.

## Products

### Finance Management
- [Subscription Management](/products/subscription-management): Full visibility and control over recurring payments. 150,000+ merchants identified.
- [Insights & Signals](/products/insights-signals): Proactive financial opportunities and risk detection.
- [Aspirations & Goals](/products/aspirations-goals): Goal-based savings with adaptive guidance.
- [Cashflow Forecasting](/products/cashflow-forecasting): Forward-looking cash position predictions.

### Risk Decisioning
- [Credit Risk Assessment](/products/credit-risk-assessment): Automated creditworthiness from transaction data.
- [Income & Expense Verification](/products/income-expense-verification): Verified income and committed expenses for lending.
- [Account Verification](/products/account-verification): Account ownership and holder identity verification.

### Data Foundation
- [Transaction Enrichment](/products/transaction-enrichment): Clean merchant names, logos, categories. 99%+ accuracy across 250M+ POIs.
- [Merchant Information](/products/merchant-information): Logos, locations, contact details for 250M+ points of interest.
- [AI Integration](/products/ai-integration): Data foundation for AI-powered financial advice.

## Industries

- [Banking](/industries/banking): Digital banking engagement and retention.
- [Lending](/industries/lending): Faster, more accurate credit decisions.

## Key Facts

- 15+ financial institution implementations across Europe
- Processing billions of transactions
- 7 years of experience
- 95%+ category coverage, 99%+ merchant name accuracy
- Clients include Nordea, ABN AMRO, Lunar, Nykredit, Sydbank
- Primary markets: Scandinavia and Benelux

## Contact

- [Request a Demo](/demo)
- [Contact Sales](/contact-sales)
- Website: https://subaio.com
- Address: Gasvaerksvej 26B, 9000 Aalborg, Denmark

## Optional

- [Full details for AI agents](/llms-full.txt)
- [Blog](/blog)
- [About](/about)
- [Careers](/careers)