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
+40%
automated acceptances
Advanced affordability checks
We automate affordability checks by analysing current account and Open Banking data
20pp+
Gini uplift
Transaction credit scoring
Our transaction-based credit scores have proven ability to uplift Gini
15+
vulnerability flags
Vulnerability and arrears prediction
Our world first solution monitors customer vulnerability and predicts arrears using AI
97%
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
1300+
risk features
risk features
15+ vulnerability
tags
tags
23 salary
industry flags
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?
Banks
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.
BNPL
Use us to prepare for upcoming regulation by the FCA, with a one-stop, low friction solution for affordability and credit risk checks.
