Turn transaction data into clean and categorised insights for a real-time view of your customer's financial position.

Product page Main image.

About Finch

Finch is an independent data intelligence platform powering personalisation across Australia.


Transaction data provides a rich source of real-time customer insights, however the lack of standardisation across banks makes raw data difficult to understand and analyse.


Finch Enrichment delivers clean and categorised data in seconds. Whether you’re bulding a PFM, digital bank or lending solution, our high quality data helps you understand your customer's financial behaviour in real-time.

Merchant Identification & Logos

Identifies over 1.5m+ merchants including PTY LTD. Over 25,000 merchant logos available.

Expense Categorisation

Over 240+ Expense categories including BNPL, Debt Collection Services, Betting & Lotteries

Merchant Location

Street address, suburb and postcode to enable geolocation spending insights

Income Categorisation

32 Income categories including Salary & Wages, Government Financial Assistance, Microloans

Service-level accuracy guarantees for:

  • 240+ Expense categories
  • 32 Income categories
  • 1.5m+ Australian merchants

Australia's most powerful categorisation engine

The complete toolkit

A single API integration to access our entire range of data intelligence tools

Merchant Name



Logo & Website

Income Verification

Fee Saver

Bill Analyser

Reward Spending

Consumer spending

Retail anaytics

Industry insights

Customer Profiling

What our clients are building with Enrichment

Financial Wellness

Use Enrichment in your PFM app to deliver beautiful UI and help customers better understand their spending behaviours.

Learn more


Use Enrichment for advanced income and expense categorisation for real-time risk assessment.

Learn more

Simple, Secure, Flexible

Cutting edge AIML intelligence with privacy and security at its core.


Our ASAE-3150 assurance report covers all of the Schedule 2 security requirements, including over 24 prescribed security controls under CDR such as multi-factor authentication, firewalls, protections against malware and data leakage, user access and systems monitoring.

Secure Environment

Our physical infrastructure is hosted and managed on Sydney-based servers in ISO 27001, SOC 1 & SOC 2, and PCI Level 1 certified data centres.

Data Encryption

Customer data enters through our REST APIs (using HTTPS) and encrypted-in-transit using the SSL/TLS protocol. Data at rest is encrypted using 256-bit Advanced Encryption Standard (AES-256).

Firewalls & Restricted Access

Firewalls are utilised to restrict access to systems from both external networks and internal systems. Administrative access within our systems and to customer data is restricted and requires physical multi-factor authentication keys and strong password controls.

Why Finch

Best in class enrichment

Our powerful enrichment engine uses the latest data modelling methodologies, tested against hundreds of millions of new transactions every month to continuously improve its accuracy.

Learn more

Data personalisation experts

With deep experience in CX, financial analysis and data engineering, we spend time understanding your data challenges to help you get the most out of your data

Learn more

Plug and play AIML analytics

Accelerate speed to market by leveraging our machine learning algorithms trained on over $30 billion worth of transaction data and behavioural patterns.

Learn more

Consumer and retail intelligence

Our intelligence reports provide real-time consumer and retail insights that power data-driven decisions across sales, business and operations.

Learn more

Read more from Finch