Transaction Enrichment
Transform raw data into financial clarity
Categories, patterns, and recurring payment identification. Turn cryptic transaction strings into actionable intelligence.
Raw transactions tell you nothing
"PYMNT 4829*SPOTIFY" doesn't help anyone. Customers don't recognize their own purchases. Banks can't analyze spending. Everyone loses.
Customer confusion
Cryptic merchant names lead to unnecessary disputes and support calls. Customers can't track their own spending.
No analytics
Without proper categorization, spending analysis is impossible. PFM features fall flat without quality data.
Missed patterns
Recurring payments hide in plain sight. Subscriptions, memberships, and regular expenses go undetected.
Complete transaction intelligence
Every transaction enriched with the data you need to power financial experiences.
Smart Categorization
Deeply detailed, multi-level category hierarchy with fully customizable tagging. From broad groupings to granular sub-categories, configured to match your exact taxonomy.
- Multi-level category hierarchy
- Custom category mapping available
- 99%+ categorization accuracy
Recurring Detection
Automatically identify subscriptions, memberships, installments, and other recurring payments. Predict future charges.
- Subscription identification
- Payment frequency analysis
- Future payment predictions
Pattern Recognition
Detect spending patterns, income streams, and financial behaviors. Identify salary deposits, rent payments, and regular transfers.
- Income identification
- Spending trend analysis
- Behavioral insights
Transaction Types
Classify transactions by type: purchases, transfers, fees, refunds, ATM withdrawals, and more. Essential context for every transaction.
- All transaction types supported
- Income vs. expense classification
- Essential vs. discretionary
99%+
Accuracy
Categorization rate
250+
Categories
Multi-level hierarchy
<100ms
Response time
Real-time enrichment
40+
Countries
Coverage
The foundation for everything
Transaction enrichment isn't a feature; it's the foundation. Every product we build, from credit assessment to finance management, starts with enriched transaction data. The quality of the enrichment determines the quality of every insight, every categorization, and every decision that follows.
That's why we treat enrichment as a core competence, not an afterthought. It powers PFM, budgeting, creditworthiness, subscription management, and insights, all from the same high-quality data layer.
Get the foundation right, and everything built on top works better. For the bank and for the customer.
Credit & Risk Assessment
Enriched data powers accurate income, expense, and risk analysis.
Personal Finance Management & PFM
Categories and patterns drive budgeting, spending insights, and financial health.
Insights, Signals & Engagement
Recurring detection and behavioural patterns fuel proactive customer engagement.
Built to complement, or replace
Many banks already have enrichment solutions in place. Subaio works either way, layering on top of your existing provider to add specialised capabilities, or serving as your complete enrichment solution from day one.
When complementing an existing setup, Subaio adds what generic enrichment can't: recurring payment detection, subscription identification, income and expense classification, and the behavioural patterns that power credit decisions, PFM features, and customer engagement.
When replacing outright, you get all of that plus deep categorization, merchant identification, and transaction tagging, a single enrichment layer purpose-built for financial use cases. Either way, you get exactly what you need.
What Subaio brings
- Subscription & recurring payment detection
- Income stream identification
- Expense classification
- Behavioural pattern analysis
- Financial health signals & risk indicators
- Use-case-ready output for PFM, credit & engagement
Fanatic dedication to data quality
Enrichment is only as good as its accuracy. We don't treat data quality as a metric to monitor; we treat it as an obsession. Every transaction that passes through our system is a promise to the bank and the end customer that the data is right.
Behind the technology sits a highly specialized team of data analysts and engineers whose sole focus is enrichment quality. They continuously refine categorization models, resolve edge cases, and adapt to new merchant patterns across every market we serve.
This isn't set-and-forget. It's an ongoing, structured process backed by mature governance models and transparent reporting, so you always know exactly how the enrichment is performing.
"The difference isn't just the technology; it's the team behind it. They catch issues we wouldn't even notice and fix them before they reach our customers."
— Nordic retail bank
Specialized enrichment team
Dedicated data analysts and engineers focused exclusively on transaction enrichment quality. Deep domain expertise across European markets and payment types.
Mature governance models
Structured processes for quality assurance, continuous improvement, and issue resolution. Every categorization decision is traceable and auditable.
Transparent reporting
Regular quality reports showing accuracy rates, coverage metrics, and improvement trends. No black boxes, you see exactly what we deliver and how it's improving.
Simple to integrate
Send us your raw transactions, get back enriched data. RESTful API with batch or real-time processing.
RESTful API
Batch & real-time
Webhook notifications
Full documentation
Ready to enrich your transactions?
See how transaction enrichment can transform your customer experience and unlock new insights.