Transactional Intelligence
Hundreds of metrics created to enrich your data
Get a breakdown of customers’ monthly income and expenditure patterns. Instantly access their recurring transactions, fixed & flexible costs, and more.
This is Transactional Intelligence
Deep dive into a detailed account analysis based on real-time bank data. Enrich the data using over 150 metrics designed with finance-based businesses in mind. From cash flows to alerts and notifications – with Transactional Intelligence, accessing a customer’s bank account is just the first step in thorough account analysis.
Cash Flow Summary
Monitor cash flows in a customer’s account through API and a user-friendly dashboard. Use data for improved Affordability, Income, Balance, Fixed and Flexible Costs
Income & Expenditure Analysis
Verify basic cash flow metrics such as income sources and expenditures. Plunge into average, historical, and future predicted values to improve credibility analysis.
Top Recurring Transactions
Track the most important transactions in a customer’s bank account. Get a full view of recurring payments in the last 12 months and group scores such as stability and consistency.
Financial Markers
Use metrics to easily analyze credit repayments and loans. The metrics are based on the number of incidents, total amounts, and proportion.
Events and Alerts
Get all necessary data on event type and description, as well as data and amount for all events and alerts. Extract and enrich financial information such as crucial account behavior.
Balance history & forecast
Monitor income and expenditure amounts and sources. See the full history of daily balances, discover trends, and patterns, and dive deeply into the 90-day predictions.
Cash Flow Summary
Monitor cash flows in a customer’s account through API and a user-friendly dashboard. Use data for improved Affordability, Income, Balance, Fixed and Flexible Costs
Income & Expenditure Analysis
Verify basic cash flow metrics such as income sources and expenditures. Plunge into average, historical, and future predicted values to improve credibility analysis.
Top Recurring Transactions
Track the most important transactions in a customer’s bank account. Get a full view of recurring payments in the last 12 months and group scores such as stability and consistency.
Financial Markers
Use metrics to easily analyze credit repayments and loans. The metrics are based on the number of incidents, total amounts, and proportion.
Events and Alerts
Get all necessary data on event type and description, as well as data and amount for all events and alerts. Extract and enrich financial information such as crucial account behavior.
Balance history & forecast
Monitor income and expenditure amounts and sources. See the full history of daily balances, discover trends, and patterns, and dive deeply into the 90-day predictions.
Monitor financial trends & patterns and detect anomalies
Get a full view of your customer’s financial condition
Financial patterns and trends
see the predicted balance for the next 90 days and be sure about your customer’s account consistency.
Be up-to-date
get alerts and notifications to never miss out on any anomalies. Alerts and notifications are sent in real-time.
Get information about customers’ credibility and financial health
Improve your underwriting processes and finally boost how you calculate your customers’ creditworthiness and financial stability. Use a library of metrics with data based on the underlying transaction information from the bank and give it additional value. Our Transactional Intelligence tool comprises the following dimensions:
Recurring Incomes
Monitor recurring incomes that occur in your customers’ accounts. Verify income stability and regularity. Track the sources and amounts in the most recent 3 months.
Recurring Expenditures
Track the most significant expenditures such as rent, bills, and loans in the last 12 months. Get to know how they affect the customer’s affordability and credibility.
Fixed Expenditures
Understand the most important expenditures in a customer’s account. Verify historic values and make predictions for the next 90 days.
Flexible Expenditure
Find expenditures that are not essential. Monitor past figures to understand how they affect customer’s spending behavior. Quickly access future forecasts.
Financial Credibility
Dive deeper into your customer’s creditworthiness. Monitor the significant flags that highlight the key account activity and get positive and negative reason codes.
Financial Liquidity
Get a full analysis of your customer’s account stability and consistency. Predict if a customer can afford your product or service in the long run. Be notified when they cannot.
Planky solutions means
No code, Simple & Secure
Why choose Planky’s Transactional Intelligence
Transactional Intelligence is an AI-powered engine that offers an enriched insight into financial risk. You can use both customer personal account data and business account data.
How Transactional Intelligence can boost your business
Transactional Intelligence uses the power of Artificial Intelligence and Machine Learning algorithms to fully unleash the potential of banking data. From a business perspective, it’s a huge step towards accurate data analysis. This is how Transactional Intelligence can bring your business to the next level:
Machine Learning algorithms analyze millions of data points in seconds.
You can accept more applications which in turn leads to increased revenue.
You can instantly process data from many sources at once.
Underwriting time is reduced, and the risk of fraud is mitigated.
You manage customers more efficiently and constantly track their affordability.
You can minimize costs and reduce the risk of human error.
Transaction trends, spending behavior, and patterns can be easily monitored.
Designed for developers
Created to start easily
Transactional Intelligence is simple to use and ready to integrate with your existing systems. No developer knowledge required.
Designed for business
No Code Solution
Integrate Transactional Intelligence in minutes, without programming skills. The panel is intuitive and easy to use in real time with no effort.
Designed for developers
Powerful and easy-to-use APIs
Integration with Transactional Intelligence is just a simple API integration. It only takes one line of code to start using the tool. Learn more in the extensive docs.
Connect Transactional Intelligence with your business
Get the complete picture of your customer bank data, from both private and business bank accounts. The tool allows you to access and monitor your customers’ finances quickly in one place.
Explore other products
We offer a variety of tailor-made solutions designed to make your financial services more attractive and efficient. See what you will find in Planky’s portfolio.
Account Check
Verify your customer’s identity and banking data with one click. Get accurate data directly from the most trusted European banks.
Transactions
Need a deep dive into your customer’s transaction data? Transactions provides you with instant access to real-time transactional information, manipulation-free.
Categories
Verify your customers’ expenditures and group them into over 100 categories with +95% accuracy. Make your underwriting processes smoother and faster with one click.
Be up to date with technological news
Interested in our tools and how to maximize your revenue and customer experience? Don’t forget to visit our blog. Here’s a sneak peek of what our latest articles offer:
Friendly Score UK Ltd.
84 Brook Street
London W1K 5EH
Call us on +44 20 3709 6726
Company registered in England
Company number 09168668, ICO ZA111687, VAT registration number 206 9758 80, Authorised and Regulated by the Financial Conduct Authority.
(FRN: 821100, 781963)
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