Categorise personal and business data
Make smarter business decisions based on verified data confirmed by banks. Reduce underwriting time and boost efficiency
Get Started Book a Demo
ExpenditureRECURRING INCOMEDIRECT DEBITSSCHEDULED ORDERSINCOME BY CATEGORIESALL INCOMEBankFood- £120.0060%10%10%10%10%- £120.00- £120.00- £120.00- £120.00Main categoryEntertainmentEntertainmentEntertainment10%- £120.00Apple.com/billApple.com/billCurrysCurrysLorem ipsum dolor sumLorem ipsum dolor sum- £120.00£120.00£120.00£120.00£120.00BALLANCE:BALLANCE:BALLANCE:BALLANCE:- £120.00- £120.00- £120.0012 Mar. 201912 Mar. 201912 Mar. 201912 Mar. 2019FixedFixedFlexibleFixed
MICROSOFTEntertainment- £10.99Merchant:Amount:Category:Address:Recurrence:MICROSOFT (www.microsoft.com)GBP 10.99EntertainmentN/AMonthly
Accurate, error-free solution
What’s in Categories for you
The same transaction has a different meaning and value to different customers and businesses. Categories enable you to understand your customers. The tool gives you a clear view of what they can afford to borrow and what they are able to repay.
Understand your customer financials
Effectively analyze and use massive amounts of data and produce real-time insights on your customers’ financials and transactions.
Give the right context to the data
Improve transaction enrichment placing financial data in the right context. Bring your own models so that you get the data that you need to see.
Increase conversions and boost sales
Skyrocket the customer experience and improve customer satisfaction. Quickly and easily turn users into loyal customers.
Reduce defaults and minimize underwriting time
Automate processes to save time and eliminate human error. Move decision-making processes to an entirely new level.
Categories for Affordability purposes
Categories has been designed for both individual and business underwriting. Leverage them to better understand customer behavior and accurately assess their affordability and financial condition.
ExpenditureRECURRING INCOMEDIRECT DEBITSSCHEDULED ORDERSINCOME BY CATEGORIESALL INCOMECategory glocCategory 12- £120.0060%10%10%10%10%- £120.00- £120.00- £120.00- £120.00Category NameSubcategory NameCategory loremCategory ipsum sum10%- £120.00Apple.com/billApple.com/billCurrysCurrysLorem ipsum dolor sumLorem ipsum dolor sum- £120.00£120.00£120.00£120.00£120.00BALLANCE:BALLANCE:BALLANCE:BALLANCE:- £120.00- £120.00- £120.0012 Mar. 201912 Mar. 201912 Mar. 201912 Mar. 2019FixedFixedFlexibleFixed£4,543.00£4,543.00£50.00AccountConsistencyAccountConsistencyAccountConsistencyRegularityRegularityRegularityLongevityLongevityLongevitySomewhatconsistentSomewhatconsistentSomewhatconsistentHighlyregularHighlyregularHighlyregular3 months0 breaks3 months0 breaks3 months0 breaks646463878788252526SalarySalaryBenefitsWage for John DoeWage for John DoeHMRC child benefitMost recent: 9 Jan 2023Most recent: 9 Jan 2023Most Recent: 10 March 2023£1,000.00AccountConsistencyRegularityLongevitySomewhatconsistentHighlyregular3 months0 breaks648625InvestmentBank Giro Credit investmentMost Recent: 10 March 2023
Personal & Business. 100+ categories for personal and business underwriting
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Credit Repayment
Distribution & Supply Chain
Food & Drink
Family
Construction
Director Loan
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Given discounts
Cash Withdrawal
Cashback
Professional Services
Education
Financial Services
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Accommodation
Accounting & Bookkeeping
Bank Charges
Cash Deposit
Benefits
Clothing & Fashion
Any source of data
No matter if you already have transactional data or not. With Categories, we can provide categories for financial data from any source. Our platform is intuitive and comprehensive – you can choose from ready-to-use categories or add your own ones.
Grant access to your data
All data is checked and processed
Top Recuring TransactionsEXPENDITURESINCOMES£4,543.00£50.00AccountConsistencyAccountConsistencyRegularityRegularityLongevityLongevitySomewhatconsistentSomewhatconsistentHighlyregularHighlyregular3 months0 breaks3 months0 breaks646387882526SalaryBenefitsWage for John DoeHMRC child benefitMost recent: 9 Jan 2023Most Recent: 10 March 2023£1,000.00AccountConsistencyRegularityLongevitySomewhatconsistentHighlyregular3 months0 breaks648625InvestmentBank Giro Credit investmentMost Recent: 10 March 2023Overall RatingCorrect£900£2,326.59£2,326.59£2,326.59£2,326.59£2,326.59Balance:Average Income:Average Cost:Net Balance:Fixed Cost:Flexible Cost:£3,543.59£3,543.59£3,543.59£3,543.59£3,543.59IncomeDisposable IncomeRentInsuranceBenefits10 Jun012312 Jun14 Jun16 Jun18 Jun20 Jun22 Jun24 Jun26 Jun28 Jun30 Jun01 Jul03 Jul05 Jul07 JulExpenditureRECURRING INCOMEDIRECT DEBITSSCHEDULED ORDERSINCOME BY CATEGORIESALL INCOMECategory glocCategory 12- £120.0060%10%10%10%10%- £120.00- £120.00- £120.00- £120.00Category NameSubcategory NameCategory loremCategory ipsum sum10%- £120.00Apple.com/billApple.com/billCurrysCurrysLorem ipsum dolor sumLorem ipsum dolor sum- £120.00£120.00£120.00£120.00£120.00BALLANCE:BALLANCE:BALLANCE:BALLANCE:- £120.00- £120.00- £120.0012 Mar. 201912 Mar. 201912 Mar. 201912 Mar. 2019FixedFixedFlexibleFixedYou receive a ready-to-use report
Planky solution:
Accuracy, Consistency, Reliability
What’s in the box
How Categories can boost your business
Categorisation is an AI-powered tool that uses Machine Learning algorithms to identify the type and purpose of transactions based on description, transaction amount, date and contextual metadata. This is how it can revolutionize your business.
Analyze millions of data points at once.
Increase revenue by accepting more applications faster.
Process transaction information from multiple sources.
Reduce financial risk and underwriting time.
Pre-qualify customer affordability.
Plan and control the budget better than ever.
Know your customers and their behaviors better.
Simplify reporting and build automated workflows and processes.
Manage customers efficiently.
Identify trends and opportunities to boost efficiency and reduce costs.
Personal and business categorisation
+100 categories for lending
+95% accuracy
Designed for developers
Created to start easily
Quick and easy integration makes Categories simple to use, even if you don’t have programming knowledge and skills.
Invite a CustomerSELECT CUSTOMER TYPEPersonCompanyInvite NewCUSTOMER DATAJohnFirst Namejohn@domain.comEmail000 000 000Phone000 000 000ReferenceDoeLast Name
108642019 JunInvitation Conversion%6113276InvitationsAcceptedCustomer Conversion%4913276CustomersReportsAccepted923 Jun 2020Invite a CustomerSELECT CUSTOMER TYPEPersonCompanyInvite NewCUSTOMER DATAJohnFirst Namejohn@domain.comEmail000 000 000Phone000 000 000ReferenceDoeLast Name
Designed for business
No Code Solution
Access the Business Dashboard in one click and instantly invite customers to share their Account Holder data. All safe and secure.
Designed for developers
Powerful and easy-to-use APIs
Start using Categories in seconds with our single API integration. Explore the extensive documentation to learn more.
Use Cases
Categories enable you to create and manage transaction categories according to your preferences. See how you can make the most out of the platform.
Financial Services
Use enriched financial data to provide your customers with user-friendly, secure services. Get valuable insights into their financial conditions.
Book a Demo
Lending
Verify your customers’ affordability based on their income sources and monthly expenses. Improve and speed up your lending decisions.
Book a Demo
Customer Underwriting
Get accurate data confirmed by the bank to pre-validate your customers and increase the number of applications.
Book a Demo
Business Underwriting
Leverage enriched financial data to verify business data in seconds. Get only verified data secured by trusted banks.
Book a Demo
Embedded finance
Integrate financial services and provide faster, yet more secure payments. Improve authorization rates using accurate financial information.
Book a Demo
Finance Automation
Automate manual processes and increase efficiency. At the same time, reduce the risk of human error and manage your money better.
Book a Demo
New financial data is received
Financial Data Categorisation
Financial Data Intelligence
Decision is fully automated
Start using Transactions right away
Sign up for the tools and instantly make use of Categories.
Get Started Book a Demo
Enriched financial data at the fingertips
Quick pre-validation of affordability
No defaults and human errors
Explore other products
We offer a variety of tailor-made solutions designed to make your financial services more attractive and efficient. See what you will find in Planky’s portfolio.
Account Check
Verify customers’ and business partners’ banking data in seconds. Get their account data directly from the bank, legally confirmed and secure.
Transactions
Confirm transactions of your customers easily and automatically. Get ready-to-use, real-time transactional information directly from the bank.
Income Check
Verify your customers’ income from multiple sources. Confirm their revenue and expenses to get insights into their credibility.
Transactional Intelligence
Track and identify trends and patterns. Automatically detect any anomalies to instantly verify customers’ credibility.
PlankyGPT
Get valuable data and crucial insights on your customers’ financial health. Find and target new target groups and grow your customer inventory.
Affordability
Get bank-accurate data enriched with Planky’s calculation engine. Make data-driven decisions based on customer’s income and expenses information.
Decisioning Engine
Use decision trees to enable smarter and faster decision-making. Create your tailored charts to process even more financial data.
Be up to date with technological news
Interested in our tools and how to maximize your revenue and customer experience? Don’t forget to visit our blog. Here’s a sneak peek of what our latest articles offer:
\ \ 29 May 2025\ \ The AI Advantage: How Smart Data is Redefining Affordability Assessments\ \ Explore how AI transforms traditional affordability checks into dynamic, data-driven assessments.](http://planky.com/blog/the-ai-advantage-how-smart-data-is-redefining-affordability-assessments) \ \ 25 February 2025\ \ How Open Banking is Transforming Credit Decisioning for SME Lending\ \ Open banking enables faster, fairer SME lending with real-time data and AI-driven financial insights.](http://planky.com/blog/how-open-banking-is-transforming-credit-decisioning-for-sme-lending) \ \ 25 July 2024\ \ How is AI used in financial analysis?\ \ AI and LLMs automate credit scoring, enhance risk management, and streamline lending for finance.](http://planky.com/blog/how-is-ai-used-in-financial-analysis)
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