TapiX offers a service that uses AI and other techniques to analyze card payment data and provide additional context and meaning to transactions. This includes categorizing transactions, identifying logos, accurate merchant names, locations, and other metadata. This enriched data can then be used by banks and other partners to enhance features like personal finance management, fraud prevention, customer profiling, marketing, and risk analysis. TapiX integrates through a simple REST API and says it can recognize 85-90% of transactions and currently enhances over 250 million transactions per month.

1. TapiX: Give meaning to your card payment data!

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TapiX offers
Categorization
GPS
Logo
Accurate name
Eco tags / CO2 footprint
Google Place ID
URL
Subscription

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Partners that trust us

4. UX

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Before and After TapiX
Before After Transaction detail

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CO2 proposition

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Data shape modern features of banking
application
Higher payment transparency is the best fraud prevention and decreases chargeback and
dispute costs
PFM became already business standard in baking applications
• 25 main categories and 470+ tags
Forecasting clients spending based on regular payments and subscriptions to bring better
understanding of client's cash flow
Budgeting tools are on rise helping clients to manage their spending
Many more insights are on rise
• Overview of subscriptions and their management
• Spending insights on retailer level

10. Analytics

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TapiX allows you to understand client’s life
Key additional value in enriched payment
data for data analysts:
• Geolocation information
• Detailed categorization

12. Details matter…
Coffee
Gourmet
Delicatessen And Specialized
Stores
Bio, Healthy Food And Farm
Products
Hyper-Supermarket
Alcohol
Online Grocery
Vending Machine
Frozen Food
Tea
Vegetarian / Vegan
Spices
Ice Cream
Nuts
Sweets
Italian Deli
Wine
Grocery Stores and
Supermarkets
MCC 5411
Fish
Butcher shop
Bakery
Asian Deli
Cheese
Greek Deli
Fruit/Vegetables
Dietary
Supplements
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13. Applications across bank
Marketing
• Personalized communication to the client tailored to his lifestyle and interests
CRM
• Detailed client segmentation according to behavioral parameters & regionality
Product cross-sell & upsell
• Cross-sell/upsell of products based on client segmentation / particular payments / location (mortgage, higher
payments during household furnishing, etc.)
Credit risk
• Richer credit risk scoring models and better real-time assessment thanks to PSD2 data
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14. Enhance Your Risk Scoring
Does income stem from employment contract
or social benefits?
How much of installments are being paid
monthly and to which companies?
How much of monthly spend is necessary
costs (rent, food, energy) and how much is non-
essential (leisure, restaurants,...)
Is significant amount spent directly on
gambling, pubs, etc.
Is reported city of residence the same as
shopping patterns show?
… we provide you with data about client’s shopping
behaviour and localisation ...
With digital bank statement obtained
via PSD2 interface...
…even, predictors & statistics for modeling.
Other
costs
Basic
househ
old
costs
Payofs
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Applications supporting internal projects and
business decisions
Where do your clients spend most often? Where do your clients withdraw money from and what options do they
have?
Distribution of card payments in the city Existing ATM network in micro locality

16. How TapiX Works

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Simple to integrate real-time REST API
Client shops at the merchant and pays by
a card.
The transaction arrives in the bank and is described
in your system as:
TESCO STORES 2720 UK LONDON
Bank receives the data.
Clean payment data is stored in bank for further use
Bank calls web service TapiX API
(in the form of REST API) that provides you with data in the form of:
Tesco
40 Bernard St, Russell Square, London
GPS: 49.394996N, 14.687690E,
Grocery, Hyper-market
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You can use advantages of TapiX also via
integration with one of your vendors
Front end use cases:
• Backbase – leading digital banking platform provider
• Orenda – helps to build your own financial ecosystem with accessible no
code end-to-end embedded financial services No Code Embedded
Financial services
Backend use cases:
• Keboola – a cloud-based data platform that helps clients combine,
enhance and publish crucial information for their internal analytics
projects and data products in a quick and easy fashion

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In Summary
● You can call TapiX API at any time, during authorization or after settlement of single transaction, or in daily batches
● The service is available 24/7 with guaranteed availability of 99,5%.
● We are able to recognize 85-90% of clients’ transactions
● We enrich 250+ M transactions per month
● To get transaction data you do not share any personal data of your clients. We are GDPR compliant and ISO 27001
certified.
● Our approach is scalable into various markets within a few months.
● Very simple integration with our cloud-based service. On premise
solution is also available

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TapiX’s mission is to deliver maximum data
coverage, accuracy, and information detail
AI-powered algorithms
Statistical algorithms
Outlier detection
Various data sources
Human verification
Feedback API for clients/banks
Coverage
How we do that?
Brand name ~85%
Logo ~70%
Location ~81%
Categorization ~92%
Tesco
14.99 GBP 16.10. 2020 13:23
40 Bernard St, Russell Square,London
Grocery Hyper-Supermarket