A new world of Open Banking
Engage with new customers and make a great first impression.
Looking to get the most out of your Open Banking data? FinchXP’s advanced data enrichment helps you better understand your customer’s financial position so you can deliver competitive and customised products and services.
Our fully compliant and CDR-ready APIs instantly transforms raw transaction data into meaningful insights with accurate merchant name, location and categorisation, complete with service-level accuracy guarantees.

Open banking is here
Engage with new customers and make a great first impression.
Looking to get the most out of your Open Banking data? FinchXP’s advanced data enrichment helps you better understand your customer’s financial position so you can deliver competitive and customised products and services.
Our fully compliant and CDR-ready APIs instantly transforms raw transaction data into meaningful insights with accurate merchant name, location and categorisation, complete with service-level accuracy guarantees.
Our APIs are CDR compliant for easy integration
In compliance with CDR Privacy Safeguards, Accredited Data Recipients (ADRs) can integrate with FinchXP without Outsourced Service Provider (OSP) arrangements. Learn more about our CDR Policy here.
No Outsourced Service Provider (OSP) arrangement required
De-identified data only
Non-identifiable data only
Here’s what you can do with accurate open banking data
Use cases
Expense Management: Get an accurate view of your customer’s financial position, income and expenses
PFM: Provide clean UI and accurate categorisation to give customers greater financial clarity
Lending: Conduct accurate risk assessments to help you approve more loans, in less time. Identify income, expenses, high risk spending, and hidden liabilities
Loyalty: Gain a 360 view of customer spending behaviour to drive personalised and cross promotional offers
Benefits
Save time and costs with our ready-built APIs
Get to market faster
Lower customer acquisition costs (CAC)
Increase customer engagement
Improve retention and reduce churn
Our APIs are CDR compliant for easy integration
No Outsourced Service Provider (OSP) arrangement required
De-identified data only
Non-identifiable data only
Here’s what you can do with accurate open banking data
Save time and costs with our ready-built APIs
Get to market faster
Lower customer acquisition costs (CAC)
Increase customer engagement
Improve retention and reduce churn
FINCHXP MACHINE LEARNING PLATFORM
Market leading accuracy
with Service Level guarantees
Fast onboarding
no card, bank or scheme integration required
Real-time or overnight
to support real-time rewards
Secure platform
Sydney-based servers using ISO-27001 services
Ready to take our APIs for a spin?
Here’s what you’ll get:
Account support and weekly monitoring of activity in your loyalty program
Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job
240+ categories for the modern, digital economy
Transaction information includes merchant name, location, and more
Service-level accuracy guarantee
API support for CSV, JSON, ORC, Apache Parquet and Avro formats
Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee
JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only
Ready to take our APIs for a spin?
Here’s what you’ll get:
Account support and weekly monitoring of activity in your loyalty program
Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job
240+ categories for the modern, digital economy
Transaction information includes merchant name, location, and more
Service-level accuracy guarantee
API support for CSV, JSON, ORC, Apache Parquet and Avro formats
Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee
JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only