AIS Transaction Data
Retrieve and analyse bank transaction history via PSD2 open banking for creditworthiness assessment and risk management.
Open Banking Financial Intelligence
Signteq's AIS Transaction Data service connects to customer bank accounts via PSD2 to retrieve, categorise, and analyse transaction history. Our AI engine identifies income sources, spending patterns, and financial risk signals to give you a complete picture of customer finances for informed decision-making.
- Access up to 2 years of categorised bank transaction history
- AI-powered income detection and verification from transaction patterns
- Risk signal identification: gambling, payday loans, overdrafts, and more
- Multi-account aggregation across different banks and account types
- Real-time data refresh for up-to-the-minute financial insights
Everything You Need
Powerful features designed for enterprise-grade performance and compliance
Transaction History
Access up to two years of transaction history from the user's bank accounts via PSD2 API. Complete records include amounts, dates, counterparties, and reference information for thorough financial analysis.
Categorization
Automatically categorise transactions into meaningful groups such as salary, rent, utilities, subscriptions, and entertainment. Our AI classification engine handles merchant name variations and transaction description formats across all major banks.
Income Detection
Identify and verify income sources by analysing recurring credit patterns in transaction history. Distinguish between salary, freelance income, government benefits, and other revenue streams with confidence scoring.
Risk Signals
Detect financial risk indicators including gambling transactions, payday loan activity, persistent overdraft usage, and irregular spending patterns. Configurable risk rules let you define what matters most for your use case.
Multi-account
Aggregate transaction data from multiple bank accounts across different institutions into a single unified financial profile. Provide a complete view of customer finances regardless of how many banks they use.
Real-time Refresh
Fetch the latest transactions on demand to ensure your financial analysis reflects the most current account activity. Scheduled refresh capabilities support ongoing monitoring and recurring assessments.
Use Cases
See how businesses use AIS Transaction Data in production
Credit Risk Assessment & Lending
Evaluate borrower creditworthiness by analysing real bank transaction data instead of relying solely on credit bureau scores.
Insurance Underwriting
Gain financial insight into policyholder risk profiles by analysing spending patterns and income stability from bank data.
Build a Complete Workflow
Combine AIS Transaction Data with complementary modules to improve conversion, trust, and automation.
Frequently Asked Questions
Answers to the most common implementation and compliance questions about AIS Transaction Data.
How quickly can we integrate AIS Transaction Data?
Most teams launch AIS Transaction Data in days, not months, using our hosted flows or API-first integration.
Which compliance requirements does AIS Transaction Data support?
AIS Transaction Data is designed for regulated Open Banking use cases with full auditability and EU data protection standards.
How does AIS Transaction Data help reduce fraud risk?
AIS Transaction Data combines multiple verification signals, risk controls, and evidence logs to stop abuse while keeping conversion high.
Can AIS Transaction Data scale for enterprise volumes?
AIS Transaction Data is built for high-throughput workloads with resilient infrastructure, SLA-backed uptime, and flexible deployment options.
Ready to get started with AIS Transaction Data?
See how it works with a personalized demo tailored to your needs.
Request a Demo
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Discuss pricing and implementation for AIS Transaction Data with our team.