Deep Transaction Analytics

When your customers speak in bank account transactions, interpreting them is hard.

The Fuse foundation model was trained on over 400m data points from the Pave app to become fluent in this language.

We help you interpret transactions data to create deep customer insights that drive growth.

Our products


Enrichment accuracy

Transaction Data Enrichment

Globally scalable enrichment that's outperformed all other providers we've benchmarked

Automated acceptances for a partner

Complex Affordability Checks

Probabilistic estimates of income and expenses that excel at verifying edge cases like fluctuating gig and small business earnings

Gini uplift vs Delphi for a partner

Transaction Credit Scoring

Custom built credit score using over 1,300 features from transaction data to accurately assess thin and impaired credit file customers

Vulnerability flags for the Consumer Duty

Life Event Detection & Monitoring

A world first 'vulnerability score' to help you tailor your product experience and support good customer outcomes, powered by causal AI 

Fuse turns messy transaction data
into crisp customer insights

Try it for free

Connect your own bank account to see a sample report of our income estimates, risk indicators and probability of default score.
Get sample report

How Fuse Works

Transaction Data

Open Banking Data

Additional Data

Deep language learning models


Enrichment Outputs



Share data

Share existing transactions and customer data. Fuse can also collect Open Banking data from aggregators like Truelayer.


Fuse enriches

Fuse language models analyse your data in real-time, and as frequently as you require.


Apply insights

Fuse customises enrichment outputs to your use case, making insights accessible via API and dashboard.

Example use cases

Detecting Customer Vulnerability

15 vulnerability tags and a live updating vulnerability score to ensure good outcomes and Consumer Duty compliance

Income Verification

Assess complex cases like gig income using 50 income categories, 23 industry labels and prediction confidence intervals

PFM Insights

Draw on 200+ income and expenditure categories with recurring credit and debit predictions to engage customers

Transaction Credit Scoring

Draw on 1,300 credit risk features to boost model Gini for higher acceptances and lower losses

Household Affordability

Identify household connections for holistic affordability assessments and uncover new lending opportunities

Life Event Detection

Monitoring transaction data to identify key customer life stages and tailor their product experience

Who uses Fuse?




Use cases

Banking partners use us to automate income checks, improve customer outcomes and NPS by detecting vulnerability, and lower the cost of interventions by prioritising collections & recoveries efforts.

Non-bank lenders


Higher Gini
Increased revenue

Use cases

Lenders use us to automate affordability checks and improve margins with superior credit risk decisioning using Open Banking data.

Buy Now Pay Later


Higher Gini

Use cases

BNPL providers use us to automate income checks and prepare for upcoming regulation by the FCA, with a low friction solution for affordability and credit risk checks.

Start creating deeper customer insights