Engage

Engage combines highly accurate enrichment capabilities with advanced digital engagement features allowing financial institutions to fully harness the power of financial data.

With Engage, every transaction can be turned into a source of impactful insights. We use this information to power our clients’ analytics, provide deeper insight into personal finances and deliver high-impact digital engagement features that drive deposits and savings.

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Empowering TotallyMoney

Our Engage product powers TotallyMoney’s ‘Monitor’ feature, which helps customers to understand their disposable income, as well as any forthcoming payments each month.

When TotallyMoney asked Monitor users to rate their experience, more than half (51%) gave a five-star rating, testament to the value of this transaction analysis-powered financial wellbeing feature.

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Subscription management for Little Birdie

Little Birdie selected our data intelligence platform to underpin and further enrich their subscription management application and IP.

Using Engage, users can connect their accounts securely within the app. Our transactional enrichment model then identifies and accurately categorises subscriptions, helping customers to understand them and take action.

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Boasting >98% accuracy, Bud’s transaction enrichment provides highly accurate and granular categorisation, merchant identification, location detection and more – delivering the best foundation for any digital interaction or data intelligence use cases.

Our clients use our enrichment services to:

Maximise customer engagement and satisfaction
Minimise the number of transaction disputes
Identify and proactively assist at-risk customers
Reduce support centre call volumes

Categorisation
Merchant identification
Regularity
Location

Delivering instant results regardless of the quality of data input, Bud’s core AI processes every financial transaction and returns the most accurate categorisation available with >98% accuracy.

With AI-powered models and high-quality enrichment, Bud’s income features provide a dependable source of customer income information and pave the way for meaningful customer advice as well as better affordability assessment and more.

Our clients use income features to:

Empower customers with better understandings of their finances
Improve customer segmentation and analytics
Make more informed, data-driven lending decisions
Deliver high-quality affordability monitoring and collection services

Income Finder
Benefits Finder
Income insights

Accurately identify regular sources of income and benefit from structured insights into income classification, complete with information about salary or wages, rental income to pensions and even grants.

Providing an up-to-date view of your customer’s account balances across all products and sources, Bud’s balance insights and tracking means it’s never been easier to truly understand financial trends and patterns.

Our clients use balance features to:

Deliver accurate, data-driven insights to the customer
Discover cross-sell, up-sell and marketing opportunities
Proactively identify and mitigate risk
Maximise customer’s savings opportunities

Balance over time
Balance insights

Maximise the visibility of customer finances with insights into their balance history across a defined period of time, not just for a single account but several.

Bud’s spending features offer granular insights into how each customer spends their money. Now, you can identify competitive products and services your customers are engaging with, surface recommendations based on their subscriptions or spending trends and empower your customers to better manage their finances.

Our clients use spending features to:

Deepen insights and analytics with actionable recommendations
Deliver more data-driven money management solutions
Detect unwanted behaviors such as loan stacking
Unlock limitless opportunities for financial empowerment

Spending insights
Spending budgets
Subscription finder
Loan and debt finder

Deliver timely insights based on consumer spending and personalise your targeted messaging with notifications that help customers take the next best action.

Increasing savings can be difficult, but with Bud’s savings features, you can accurately automate the process, provide personalised advice and unlock hidden opportunities. Our saving features can help identify hundreds of $ worth of savings and turn them into an effortless boost of personal finances.

Our clients use saving features to:

Automate savings and empower customers to save more
Provide tailored savings solutions and boost satisfaction
Grow deposits and in turn boost ROI and revenue
Identify opportunities to cross/up-sell and introduce products

Savings goals
Round ups
Automated savings

Empower customers with a visualisation of their financial aspirations with savings goals that are easy to set up, update and monitor simultaneously.

Delivering actionable insights into the future of your customer bases’ finances, our models can provide data-driven predictions surrounding cash flow and expected expenses to drive engagement and surface personalised recommendations.

Our clients use forecasting features to:

Provide accurate savings recommendations and advice
Augment affordability monitoring
Identify relevant marketing opportunities
Offer “balance after bills” & “future cash flow” features

Scheduled Transactions
Cashflow Forecasting

Providing insights into a customer’s upcoming transactions, scheduled transactions allow banks to more accurately understand how much committed spend a customer has in any given month.

With Bud’s powerful portfolio of behavioural insights, financial institutions like yours can leverage advanced analytics and high-impact triggers to deliver a truly seamless digital experience. All insights and enrichments generated by the platform are available to not only your advantage but also the customers.

Our clients use behaviour features to:

Generate relevant and high-impact marketing signals
Deliver truly hyper-personalised advice and recommendations
Deepen their understanding of the competitive landscape
Accurately augment client scorecards based on data-driven insights

Customer Characteristics
Financial products finder
Custom insights
Financial health assessment

Configure easy-to-create custom insights and unlock recommendations capable of driving better financial habits through features like savings and spending challenges or simple nudges.

Jas

Help customers make sense of their financial positions

Jas, our generative AI chat interface, is backed by the insights and context delivered by Bud’s AI core and offers the best possible customer experience in a safe and compliant way.

It’s a customer-facing interface that can:

power intelligent transaction search
provide spending overviews with dimensions such as brands, categories or essential/non-essential spend over time
deliver assistance on financial products, digital channels features, product offers or FAQs.

Enrich

Drive

Assess

Company

Our next generation personal finance management API

Maximise the value of your data with hyper-personalisation at scale

Truly customer-centric experiences

Trusted by leading companies

Case studies

Empowering TotallyMoney

Subscription management for Little Birdie

Understand every transaction

Identify all income sources and patterns

Consolidate tracking of your customers’ account balances

Maximise understanding of your customer’s spending habits

Help your customers build savings and deposits

Use data-driven insights to understand the future

Transform data into actionable insights

Help customers make sense of their financial positions

Innovate in seconds with seamless integration

Minimise costs

Maximise customer retention

Capitalise on every opportunity

From our blog

Our Money20/20 USA 2024 key takeaways

Enrichment benchmarking with Bud

How Bud's Drive is supercharging credit risk mitigation

Build with transaction enrichment