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
Dak Kollu Li Għandek Bżonn
Karatteristiċi b'saħħithom iddisinjati għal prestazzjoni u konformità ta' livell korporattiv
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.
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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.
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