Categorisation & classification
Gain a deeper understanding of how your customers spend, save and earn through categorised bank transactions.
Cut through the noise of a bank statement
Transactions categorised in to<80 categories for clear and easy credit risk assessment. Including: subscriptions, rent, mortgage, gambling, loans and more.
Better quality data. Better quality portfolio.
Lenders choose Atto for models trained specifically for credit risk; to bring colour to
data that was black and white.
80 categories
Atto categorises transaction data in to >80 categories that show you where a customer spends money, for example on rent, leisure, gambling etc.
11 classes
Payments are classified into 11 different classes that tell you how a customer spends their money, for example ATM, POS, recurring payments etc.
Credit & risk optimisation
We hold an average confidence score of over 90% when identifying debt management, gambling, and other key categories for risk decisions.
Accurate data
Open banking data comes directly from banks and financial institutions. The data is real-time, accurate, and impactful when making credit & risk decisions.
Continual updates
Atto's models are the best on the market for credit & risk decision makers - with a continuously updating supervised machine learning model.
Configurable
Configure categories to align with your internal risk profile. Use the data to make quick and clear credit risk decisions across the lifecycle.
Use transaction data from any source
If you already have a data set, or access open banking data, plug in to Atto's categorisation engine and we'll return the categorised data you need to make confident decisions.
Atto insights
Understand how your customer’s spend, save and earn their money with real-time insights.
Browse our platform
Our platform
Atto's platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.
Better informed decisions across the credit risk lifecycle
Credit risk decisioning
Understand customer affordability and creditworthiness in real-time.
Risk modelling
Enhance predictive models with real-time open banking data for a significant uplift in performance.
