Inverite Enrich
Permissioned financial data intelligenceMake more of the financial data you already have.
Turn raw permissioned financial data into decision-ready insights about income, spending, cash flow and financial behaviour — so you can understand customers better, make smarter decisions and uncover new opportunities.
- Already using Bank Verify? Inverite Enrich is included.
- Already have the data? Bring it to us.
Raw data to intelligence. Each transaction is understood and categorized, then combined into a picture of the customer’s finances.
Explore the picture
Select an insight to see which transactions it’s built from.
See the full customer, not just the transactions.
Understand income
and cash flow
See where income comes from, how often it arrives, how consistent it is, and how money moves in and out over time.
Understand spending
and financial behaviour
Turn individual transactions into meaningful categories, recurring activity, spending patterns, and behavioural insights.
Turn financial activity
into usable intelligence
Derive balances, trends, recurring activity, financial statistics, and other attributes that feed your analytics, workflows, and models.
Financial intelligence
See what your financial data reveals.
- Transactions
- Credits
- Debits
- Balances
- Descriptions
- Dates
Enrichment · Categorization · Derived attributes
Income & employment
Income sources · Employer income · Frequency · Consistency · Trends
Spending & lifestyle
Categorization · Spending categories · Recurring spend · Changes in spending
Cash flow & balances
Inflows & outflows · Free cash flow · Average balances · Balance trends · Deposits
Obligations & commitments
Housing · Utilities · Recurring payments · Credit payments · Loans
Account behaviour
Deposits · Withdrawals · Transfers · Account activity · Overdrafts & NSFs
Trends & derived attributes
Rolling statistics · Ratios · Trends · Behavioural changes · Recurring activity
Decision-ready financial intelligence Structured, consistent, and ready for your workflows and models.
Works with your data
Already have the data? Perfect.
Keep your existing aggregation provider, bank connections, and internal data infrastructure. Send Inverite the permissioned financial data you already have, and we’ll add enrichment and intelligence on top.
Using Bank Verify? Inverite Enrich is included. Not using Bank Verify? The same capability is available on its own — no need to change how you access data.
Keep your data source. Add our intelligence.
| Your data source | Inverite Enrich |
|---|---|
BankDirect bank connections | Compatible |
AggregatorYour aggregation provider | Compatible |
Existing providerData you already receive | Compatible |
Internal systemsYour own data infrastructure | Compatible |
Inverite Bank VerifyEnrich comes built in | Included |
Change over time
Understand what’s changing — not just what happened.
Financial behaviour isn’t static. Changes across income, deposits, balances, spending, and obligations can help you understand evolving customer needs.
Inverite Enrich identifies these patterns and changes over time — so your teams can put them to work in their own strategies and models.
- Customer segmentation
- Personalization
- Customer retention
- Relationship growth
- Portfolio analytics
- Product strategy
- Predictive modelling
Outcomes
Put better financial data to work
The same financial intelligence can support decisions across the customer relationship — not just at the point of credit.
Customer intelligence
Understand customers more completely.
Build a clearer picture of how customers earn, spend, save, and manage their money — then use that understanding across the business.
- Income
- Spending
- Cash flow
- Balances
- Obligations
- Behaviour
- Credit & underwriting
Make better credit decisions
Support credit, underwriting, risk, operations, and other decisions with a clearer view of financial behaviour.
- Retention & growth
Grow & retain relationships
Use changes in deposits, balances, income, and spending behaviour to better understand evolving customer needs and potential relationship opportunities.
- Personalization
Create more relevant experiences
Support segmentation, product recommendations, and more relevant customer experiences.
- Personal finance & financial wellness
Power money-management experiences
Power budgeting, spending insights, cash-flow visibility, and money-management experiences with structured financial intelligence.
- Portfolio analytics
Power your own analytics
Deliver standardized financial attributes into BI, portfolio analytics, decision engines, and internal data environments.
- Predictive modelling
Build better models
Give data-science teams structured financial variables instead of requiring them to engineer every feature from raw transaction data.
Under the hood
Intelligence without the data cleanup.
Raw financial data wasn’t built for decisioning. Inverite handles the work between raw data and usable financial intelligence — replacing spreadsheets, keyword searches, and manual review.
Machine-learning enrichment
Automatically identify and interpret financial activity at scale.
Normalization & categorization
Turn inconsistent transaction descriptions into standardized financial categories, each with a confidence measure.
Derived attributes & statistics
Convert transaction history into financial statistics, trends, and behavioural indicators.
Structured, API-ready outputs
Receive structured JSON through API — working alongside your existing providers, infrastructure, workflows, and models.
Who it’s for
Who is Inverite Enrich for?
Banks, lenders, fintechs, and financial platforms that already have access to financial data and need it to be usable, consistent, and decision-ready.
Banks & credit unions
Understand customers across income, deposits, balances, spending, and financial behaviour to support decisioning, growth, retention, and personalization.
Lenders & credit teams
Use income, cash flow, obligations, and account behaviour to support underwriting, servicing, and portfolio decisions.
Fintech & personal finance platforms
Power budgeting, money management, financial wellness, and personalized experiences with structured insights into income, spending, cash flow, and financial behaviour.
Wealth, payments & data teams
Turn permissioned financial data into standardized intelligence for products, analytics, customer experiences, and models.
Go further with Inverite
Related products
There’s more in your data.
Let’s put it to work.
Turn permissioned financial data into the intelligence your teams need to understand customers, make better decisions, and build smarter financial products.