Lending
Accelerate credit risk decisions and improve affordability assessments with more accurate categorisation of income, spending, and recurring commitments.
Build smarter financial products with enriched data
Transform raw bank data into accurate insights that power faster decisions, personalised services, and lower operational costs.
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+2,000
banks across 19 countries
200+
consumer & business categories
90m+
recognised merchants for transaction information
Power your business with enriched, real-time insights and data
Deepen customer understanding
Offer your customers a deeper understanding of transaction data pulled from consumer or business accounts, providing valuable insight into spending habits.
Streamline data-driven decision making
Make quicker and more accurate assessments with detailed transaction insights that reduce manual effort and accelerate outcomes.
Improve operational efficiency
Reduce overheads from manual bank statement checks and optimise the data available through efficient analysis.
Deliver more personalised services
Leverage enriched transaction data to tailor products, pricing, and communications that fuel business growth.
HOW IT WORKS
Enrich and categorise thousands of transactions
Raw bank transaction data
Pull raw transaction descriptions as they appear directly from the bank in their standard format
Cleaned & enriched merchant data
Enriches raw transactions with clean merchant names, transaction category, payment processor, and recurrence type
Credit decisioning insights
Analysis supported by Data Plus enrichment provides a clear view of the applicant's affordability.
The intelligence behind the next wave of fintech
Clean merchant data
Turn messy merchant strings into recognisable names. Identify intermediaries such as processors and provide your data teams with clean, usable merchant information straight away.
Single source, extensive scope
Yapily aggregates multiple vendors into one enrichment layer — so you don’t need to contract with or manage multiple providers to scale your use cases. A single integration covers both consumer and SME accounts.
Smart models
Advanced machine learning models are trained on billions of transactions across the UK and Europe, enabling accurate categorisation and enrichment regardless of geography or language.
Powering innovation across use cases
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