Lending and credit
Assess affordability and risk from categorised income, spending, and commitments at application, then keep monitoring borrowers after approval.
Data insights for the next wave of financial products
Data Plus categorises and enriches consented real-time bank data to drive decisions, from affordability and risk to onboarding and personalisation.
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2,000+
banks across 19 countries
200+
consumer & business categories
100m+
recognised merchants for transaction information
Agent-ready insights from real-time, consented bank data
A current view of each customer
Pull transaction data directly from your customer's bank and refresh it as their finances change, so each decision reflects where they are now.
Make faster decisions with more accurate insights
Run credit, onboarding, and affordability assessments sooner, with transactions already categorised and enriched by the time they reach your teams and models.
Personalise products and experiences
Tailor products, pricing, and communications to how each customer earns, spends, and saves.
Be agent-ready
Start building agentic experiences by giving the AI agents you build a categorised, current view of each customer's finances to decide from, using data your customers have chosen to share.
Less manual review
Cut the time your teams spend reading bank statements and labelling transactions manually, along with the overheads that come with it.
Spot changes early
Keep watching for missed payments, varying balances, or shifting income patterns after onboarding so you can offer support or adjust their plan before problems build up.
HOW IT WORKS
How Data Plus turns bank data into insights
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.
Build on financial insights from Yapily
Connect to both consumer and business accounts
Alongside consumer accounts, categorise transactions from SME and corporate accounts across the UK and Europe, with categories built for business transactions.
Extensive scope of categorisation
Categorisation is that reaches across every market, with models trained on 100m+ recognised merchants across 200+ incoming and outgoing categories.
Combine with programmable payments
Pair financial insights with programmable payments through cVRP, using the same integration, so the products you build can decide from a current view of a customer's finances and then collect within limits the customer has set.
Docs built for developers and agents
Get to production faster with Yapily Docs, which developers and the agents they work with can use to access endpoints, request parameters, and integration guidance as plain text, or as an installable Agent Skill.
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