Powered by Experian Look Who's Charging, transform the digital banking experience

Experience is everything. Give it your all.

Today’s consumers have evolved, with the pandemic accelerating the adoption of digital applications and processes. Consumer expectations are also high. They want a fast, frictionless and automated service that’s consistent across all channels. We provide the data and insights to drive a personalised digital banking experience and help you empower your customers with information and services that matter to them.

Our comprehensive data, analytics and tools powered by Experian Look Who's Charging, help provide a more complete and accurate view of your customers’ income, expenses and financial position in real-time, so you can make better decisions across the customer lifecycle.

Mobile banking

Digital Banking Customer Experience

Provide your customers with instant clarity on where they spend their money, including merchant details and PFM tool features.

People working at desk

Merchant Insights

Utilise our extensive database to identify merchants for real-time processes.

Man paying cashier

Loyalty and Rewards

Create a frictionless experience so you can reward your customers in real-time.

Woman on laptop

Credit Management

Accurately analyse your customers’ income and expenses for an instant understanding of their affordability.

Why partner with us?

Market Leading Data

We have an unrivalled comprehensive dataset – we process over 7 billion transactions per month with a match rate of over 98% and a response time of less than 0.3 seconds, for accurate and fast insights.


We are trusted by many financial institutions, including Australia’s largest banks, to deliver innovative, accurate data-driven solutions.

API Driven

Our solutions are API driven so they can seamlessly integrate with your existing digital applications.

Experian Digital powered by Experian Look Who’s Charging

Experian Digital brings together market leading capability from the Experian Look Who’s Charging APIs and Experian’s PowerCurve decisioning platform to provide automation, insights and improved customer experience for digital banking and credit management.

Transaction Enrichment

Enabling customers to easily identify transactions on their bank statements, improving customer experience and reducing calls to call centres.

Merchant Insights

Empower customers to better manage their own financial health through income and spending insights.

High risk signals for lending decisions are also tagged for ease of use in credit processes.


Improve speed of credit decisioning and reduce risk through our automated serviceability assessments integrated into your decisioning platform, including configurable income / expense reporting and insights.

Data Access

Access to transaction data via multiple digital methods to suit your customers’ needs; PDF statements to OCR, Digital Data Capture and Open Banking APIs.

Interested in testing our technology?

Our Developer Portal contains everything you need to get started

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