Real-time transaction data

Bank Insights gives your business a clear view into a customer’s financial behaviour using live open banking data. From income trends to account activity, the tool reveals spending patterns, cash flow, and risk factors—all in one instant, structured report.

It’s designed to help teams move faster, reduce uncertainty, and make data-led decisions with confidence. Whether you’re verifying affordability, assessing credit risk, or performing due diligence, Bank Insights delivers the clarity you need in seconds.

How it works

When a customer connects their bank account, Bank Insights retrieves their transaction and balance history over a chosen time period—often 90 or 180 days. The tool then processes and categorises this data using built-in logic and intelligent mapping.

The result is a structured, easy-to-interpret financial profile. You can view total income, average spending, overdraft usage, repayment behaviour, and other key financial signals that traditional checks miss.

Here’s an example output:

{
  "total_income": 3125.00,
  "average_spend": 2460.00,
  "overdraft_usage": "frequent",
  "credit_behaviour": "high utilisation",
  "flags": ["irregular income", "BNPL activity"],
  "timestamp": "2025-04-14T12:38:00Z"

This report can be used immediately to support lending decisions, affordability reviews, or financial due diligence—saving hours of manual review.

Faster financial assessments

Bank Insights allows you to replace guesswork with real data. Whether you’re assessing risk or evaluating customer suitability, it gives you a clear financial picture from day one.

The tool is perfect for credit providers, legal professionals, lenders, and fintechs needing reliable insight into how a customer manages their money. Because it’s powered by open banking, the data is permission-based, up to date, and far more accurate than credit files alone.

Real-time insights matter

Traditional credit reports offer only part of the picture. They don’t show how someone actually spends, saves, or handles repayments today. Bank Insights fills that gap by giving you live visibility into a customer’s financial reality.

You can detect vulnerability, flag risky behaviour, or confirm healthy spending habits—all before making a decision. It also helps you treat customers fairly, avoid mis-selling, and improve conversion by streamlining checks.

Get started

Looking to make better decisions with better data? Bank Insights helps you analyse financial behaviour at speed, backed by the power of open banking. Compare packages or request a demo to see how it works in real time.