Deep Transaction Analytics

Fuse helps you apply AI-powered analytics to transaction and Open Banking data to create deep customer insights that drive growth.

Our products


automated acceptances

Advanced affordability checks

We automate affordability checks by analysing current account and Open Banking data

Gini uplift

Transaction credit scoring

Our transaction-based credit scores have proven ability to uplift Gini

vulnerability flags

Vulnerability and arrears prediction

Our world first solution monitors customer vulnerability and predicts arrears using AI

enrichment accuracy

Best-in-class transaction enrichment

We power your various use cases using algorithms trained on over 400m data points

Fuse turns messy transaction data
into deep customer insights.

How Fuse Works

Transaction Data

We ingest your current account/card data and can also collect Open Banking data from aggregators like Truelayer

Additional Data

Our models can also ingest credit file data, customer conversations, and other macroeconomic factors (e.g., CPI)

Deep language learning models

200+ transaction label categories
risk features
15+ vulnerability
23 salary
industry flags
Prediction confidence intervals

Fuse Example Enrichment Outputs

Using our enrichment outputs, we develop models to help our partners achieve their objectives

Detecting customer vulnerability

Using transaction enrichment and causal modelling to predict vulnerability and help comply with the Consumer Duty

Automating income checks

Increasing speed and share of auto-decisioning for customers by analysing their current account data

PFM and credit insights

Improving customer retention by sharing bill payment and financial health insights looking at Open Banking data

Transaction credit scoring

Increasing acceptances and reducing losses by developing a bespoke Open Banking credit score for marginal declines

Household affordability estimation

Identifying household connections for holistic affordability assessments to uncover new lending opportunities

Deposit retention modelling

Monitoring transaction data to develop customer loyalty scores and predict deposit flight
Example Partner Use Cases

Who uses Fuse?


Use us to monitor customer financial health and detect arrears risk early, boosting responsible lending practices.

Non-bank lenders

Use us to improve margins with superior affordability and credit risk checks at point of application.


Use us to prepare for upcoming regulation by the FCA, with a one-stop, low friction solution for affordability and credit risk checks.

Start generating deeper customer insights