Subaio and Uniify partner to put transaction data to work in onboarding and credit decisions

Aalborg/Copenhagen, September 16, 2026 - Why are bank customers still being asked to type in their salary, reconstruct their monthly expenses and upload payslips when much of that information can already be derived from their transaction data? Two Danish fintech companies, Subaio and Uniify, are teaming up to change that.

The companies have entered into a strategic partnership that connects Subaio’s transaction intelligence directly with Uniify’s onboarding and workflow platform. The ambition is to enable banks to move from asking customers about their financial situation to understanding it automatically, with the customer’s consent.

Instead of transaction data ending in another dashboard or API, it can be turned directly into action: a pre-filled loan application, an affordability assessment, a KYC case, a pension journey or a qualified sales opportunity.

In practice, this could mean the end of many of the forms, document uploads and manual budget exercises that still characterise financial services today.

“Banks have spent years gaining access to more and better data. The next step is actually putting that data to work at the moment a customer needs something,” says Thomas Laursen, CEO of Subaio. “A customer applying for a loan should not have to manually tell a bank what can already be established from consented financial data. We can identify the financial fundamentals. Uniify can turn those insights into an actual process and decision. Together, we close the gap between having data and acting on it.”

From raw transactions to completed banking journeys

Subaio transforms bank transaction data into a structured picture of a customer’s financial situation, including recurring income, fixed expenses, existing commitments, disposable income and saving capacity.

Uniify provides the workflow layer that financial institutions use to orchestrate onboarding, credit assessment, KYC/KYB and other digital customer journeys.

Connecting the two means that financial insights can flow directly into the process in which they are needed.

A customer applying for a loan, for example, can consent to sharing account data. Subaio identifies income, expenses and financial commitments, while Uniify uses those insights to pre-fill the application, support the affordability assessment and route the case for automated processing or adviser review.

No manually constructed household budget, no re-keying information and no payslip upload.

The same concept can be applied to pension transfers, financial health, KYC and onboarding, and personalised banking.

“For us, this is much bigger than another integration,” says Niclas Adegnika, CEO and Co-founder of Uniify. “The form has been the default interface between banks and customers for decades, and we believe a large part of that can disappear. If the data already exists and the customer gives consent to use it, the journey should start with what the bank already knows, not with an empty form.”

New legislation on its way

The partnership comes at a time when the requirements surrounding creditworthiness assessments are changing across Europe. From 20 November 2026, Denmark’s implementation of the revised EU Consumer Credit Directive takes effect, increasing the focus on thorough assessments based on relevant and accurate information about consumers’ income, expenses and wider financial circumstances.

For banks, the two companies see an opportunity to use that shift not simply as a compliance exercise, but as a catalyst for more automated and significantly less manual customer journeys.

“The interesting question is no longer whether banks have enough data,” says Thomas Laursen. “It is whether they can turn it into something useful for the customer in real time. That is what this partnership is about.”

Facts

Subaio

Founded in 2016 in Aalborg, Subaio transforms transaction data into structured financial intelligence, including recurring income, fixed expenses, subscriptions, disposable income and saving capacity. Its technology is used for credit assessment, digital sales, subscription management and personal financial engagement by institutions including Nordea, ABN AMRO, Nykredit, BEC and Bankdata. Alongside its founders, Subaio is owned by Nykredit, Nordea and Global Paytech Ventures.

Uniify

Founded in 2019 by Martin Sandø Jensen and Niclas Adegnika, Uniify provides a digital workflow and onboarding platform for financial institutions covering areas including credit assessment, KYC/KYB and pension journeys. The platform is used by institutions including Nordea, AL Sydbank and Mybanker. Uniify is backed by People Ventures, Forward VC and Spring Capital.

Press contacts

Subaio
Thomas Laursen, CEO
thomas@subaio.com
+45 53 37 52 21

Uniify
Niclas Adegnika, CEO & Co-founder
niclas@uniify.io
+45 31 17 83 32