Raw transactions,
read like a merchant.
Understood like a customer.
Finch turns cryptic bank feed strings into clean merchant identity, category, location and behaviour — enriching every transaction for Australia's banks, fintechs and retailers in real time.
Trusted by Australian financial teams
Human intelligence and machine learning, working in one pipeline.
Our Sydney-based data science team designs, monitors and improves the models that classify every transaction — combining machine learning with human review to hold accuracy at enterprise levels.
Transaction Enrichment
Clean merchant identity, category, location and logo attached to every line of a bank feed.
Customer Analytics
Income, recurring bills, subscriptions and behaviour signals derived from enriched history.
Market Intelligence
Aggregated, privacy-preserved views of Australian consumer, retail and merchant activity.
Scale that powers Australia's financial data infrastructure.
One transaction. Five stages.
Under fifty milliseconds.
Every line entering the Finch API passes through a deterministic pipeline — matched to a merchant, categorised, analysed for behavioural signals, and pushed into aggregated market intelligence. All in the time it takes a page to blink.
Bank line arrives.
Identity resolved.
Category assigned.
Signals extracted.
Segment updated.
Your open banking intelligence partner.
Finch works alongside Australia's leading Open Banking platforms to help Accredited Data Recipients turn CDR feeds into behavioural intelligence — used to underwrite credit, personalise products and improve customer outcomes.
One API. Three intelligence layers.
A single integration that scales from a single merchant name lookup to a full behavioural intelligence layer. Each product uses the same primitives, and can be adopted independently.
Turn a bank feed string into a merchant.
Finch identifies merchant identity, category, location, logo and behaviour across Australian and global card, direct debit and transfer descriptions — even truncated feeds.
- Merchant name
- Category taxonomy
- Location
- Logo & website
- Recurring detection
- Confidence scoring
Understand how a customer actually spends.
Enriched history becomes clean, product-ready signals: income streams, recurring bills, subscription obligations, discretionary versus essential spend, and affordability ratios.
- Income verification
- Bill analyser
- Subscription detection
- Fee saver
- Cash-flow
- Affordability
See markets, cohorts and merchants move.
Aggregated, privacy-preserved signals across the Finch network — retail spend by category and region, merchant share of wallet, and cohort behaviour delivered as a data feed.
- Consumer spending
- Retail share
- Merchant insights
- Industry benchmarks
- Geographic patterns
- Real-time alerts
Built for the problems Australian financial teams actually have.
Every solution is a layer on top of the same enrichment and analytics primitives — so a customer-money feature and a credit decision share the same underlying data.
From raw data to personalised experience.
Connect
Integrate with the Finch API and stream transaction data securely.
Enrich
Every line is matched, categorised and tagged with merchant intelligence.
Analyse
Behaviour, income and affordability signals are computed continuously.
Personalise
Signals are wired into products, decisions and customer experiences.
Built for engineers. Trusted by risk & compliance.
A single REST endpoint returns enriched merchant, category and behaviour metadata in under 50ms. Sandbox keys in minutes; production access with full observability, SLOs and Australian data residency.
const response = await fetch("https://api.finchxp.com/v1/transactions/enrich",{method: "POST",headers: {"Authorization": "Bearer sk_live_…","Content-Type": "application/json"},body: JSON.stringify({transaction_description: "SQ *GRN MRKT SYD 0426",amount: 84.50,currency: "AUD"})});
A decade building Australian fintech infrastructure.
Trusted by teams building the future of Australian finance.
“Finch improved our merchant identification accuracy overnight. Categorisation is a step-change beyond anything we'd built in-house.”
Financial data deserves enterprise-grade protection.
Secure transmission
TLS 1.3 across all Finch endpoints.
Privacy-first processing
Data minimisation, purpose-bound processing.
CDR-ready
Aligned with Australia's Consumer Data Right.
Role-based access
Fine-grained permissions across teams.
Encryption at rest
AES-256 for all stored datasets.
Immutable audit
Detailed access & activity logs.
Observability
24/7 uptime and performance monitoring.
Australian residency
Data hosted in Australian regions.
See Finch on your own transaction data.
Send us a sample and our Sydney data team will hand-benchmark Finch enrichment against your current pipeline — usually within one business day.
Turn transaction data into a competitive advantage.
Book a walkthrough with our team. We'll show Finch running on real Australian transaction data and scope a path to production.