Income and Expense Categorisation

Streamline your lending processes and make more informed decisions at every step of the credit lifecycle

Income and Expenses


Customers expect better, quicker and more personalised experiences across the credit lifecycle. To help meet these expectations, lenders require an accurate view of their customers’ finances, with an understanding of what they earn, spend, save and what they can afford to repay when they borrow

Using our super-fast API you can automate the identification of income and expenses in your own data to streamline your lending processes and make more informed decisions at every step of the credit lifecycle.

Reduce underwriting time and improve the accuracy of your decisions

Automatically categorising transactional data gives you invaluable insights into the financial wellbeing of your customers and prospects. It helps you understand a customer’s income, expenditure and credit behaviour, providing a detailed picture of their financial circumstances and resilience. This can help you acquire customers faster by saving your customers time with pre-filled information and reduce application form drop off, and helps you monitor affordability throughout the life of the loan so you can proactively provide support and services when they need it.

Income summary

Distinguish between income transactions and identify the employer behind salary payments.

Expense summary

Categorise expenditure with up to 300 customisable sub categories for refined spend analytics, including the ability to analyse discretionary vs non-discretionary spend.


Our tags are an additional field separate from our categories. They enable you to highlight key transactions of interest or concern.

Benefits at a glance


Pre-qualify and accept more applications

Pre-qualify eligibility for products and personalise services as well as accept more applications from a better understanding of an individual’s personal finances


Reduce underwriting time

Reduce underwriting time and accelerating decision making without increasing risk.


Upsell and cross-sell responsibly

Upsell and cross-sell services to existing customers, or extend their credit limits responsibly using your understanding of their financial behaviour


Identify vulnerabilities early

Identify vulnerabilities and manage customers proactively to reduce delinquencies and debt.


Market leading data

An unrivalled comprehensive dataset of over 96 million transactions linked to a database of 1 million merchants.


API driven

API driven so the solution can be seamlessly integrated with your existing digital applications.

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