Intelligence
Turn transaction data into valuable customer insights
Bud’s intelligent systems use machine learning to turn messy transaction data into powerful customer insights, accessed via user-friendly APIs.
Why Intelligence?
The Intelligence service provides clients with a uniquely flexible, powerful and reliable toolset ready to power the next generation of personalised financial services.
Transaction insights
Enriched data with categories, merchant ID and regular transactions.
Customer insights
Category and merchant totals, trends and inferred user characteristics.
The building blocks for at-scale personalisation
Enriched transaction data
Granular categorisation, Merchant Identification, and recurring transaction insights provide the building blocks for personalised services.
Easily customisable
Build your own custom categories and custom user attributes using simple rules-based logic.
Massively scaleable
Deployed at scale by world-leading organisations and processing over 50 million transactions a day.
Feature
User-level insights through Signal
Signal is Bud's proprietary user insights technology combining inferred insights at the transaction level to deliver valuable user profiling information. Adding more than 20 
and the capability to develop your own 
, Signal provides clients with an unrivalled ability to understand and serve their customers better.
Transaction categoriser
Put transactions in context with more than 300 unique categories.
Transaction categoriser
- Transactions are sorted into more than 300 categories in a unique 3-tier taxonomy
- Create custom categories with rules based logic combining existing categories, merchant ID and recurring payments
- Re-categorise transactions through a dedicate API endpoint
Recurring transactions
Identify recurring transactions and predict frequency.
Recurring transactions
- Retrieve a customer's regular transactions for a given period of time
- Response includes period of regularity (daily, weekly, monthly etc...)
- Predict the date the transaction will next occur
Merchant Identifier
Identify and retrieve logos for more than 3000 merchants.
Merchant Identifier
- Identify more than 3000 UK merchants from transaction descriptions
- Returns logos for more than 60% of all of transactions (including transfers)
- Models for other geographies can be trained in days
Custom transaction labels
Create custom transaction labels using a simple rules engine.
Custom transaction labels
- Create custom labels (essentially a custom category) for transactions
- Use a simple rules-based logic
- Leverage other enrichment services like Merchant Identifier or regular transactions within the rules
Customer characteristics
Infer a powerful set of customer-level insights from customer data.
Customer characteristics
- Powered by Signal, Bud's proprietary user insights AI.
- Adds more than 20 individual user attributes based on transaction history
- Find out more on the blog or grab the fact sheet here
Custom user insights
Combine enrichments to create bespoke, customer-level intelligence.
Custom user insights
- Builds on the user insights delivered through Signal by enabling clients to build custom insight tags
- Uses a simple rules engine to provide limitless flexibility
- Find out more on the
or grab the 
How clients drive growth with enriched financial data
Personalisation across marketing, sales and customer service
By using intelligent data to create personal touchpoints at every stage of the user journey across sales, marketing and customer service.
Onboarding and affordability
Clients use our data intelligence services to increase conversion and decrease the cost to serve as they onboard new customers.
Monetisation and cross-selling
Customer-level intelligence, delivered through our "Signal" user insights engine helps clients to understand their customers' individual circumstances/eligibility and to match them with relevant products.
How clients drive growth with enriched financial data
Personalisation across marketing, sales and customer service
By using intelligent data to create personal touchpoints at every stage of the user journey across sales, marketing and customer service.
Onboarding and affordability
Clients use our data intelligence services to increase conversion and decrease the cost to serve as they onboard new customers.
Monetisation and cross-selling
Customer-level intelligence, delivered through our "Signal" user insights engine helps clients to understand their customers' individual circumstances/eligibility and to match them with relevant products.
Our customers
What our customers are saying about Bud
-
“Our new partnership with Bud marks a significant step forward in our campaign for greater transparency, providing us with a wealth of insight that gives customers more power over their financial future.”
Ziad Al Baba
General Manager UK and Canada, Credit Karma -
“Importantly, the functionality Bud provides will also enable us to continue to meet our responsibilities as a responsible lender, without compromising customer experience.”
Mike Bullock
Chief Information Officer, ANZ NZ -
“Partnering with Bud will empower our customers, by ensuring that their data works even better in their favour, helping them move their finances forward.”
Alastair Douglas
CEO, TotallyMoney
Ready to get started?
Explore Bud’s platform through our resources or contact our team to learn more.
Developers
Get started building your first integration with Bud.
API Docs
Take a look at all of our
resources available for our APIs.
