Digital Banking
Build better banking experiences with enriched transaction data
Zafin’s Transaction Enrichment API turns raw, cryptic transaction data into recognizable merchants, categories, and spending patterns your digital banking team can build on immediately.
Banks have the transaction data. What they lack is usable context.
Transaction contain the signals behind clearer customer experiences, useful spending insights, conversational banking, and personalized engagement. But raw descriptions are often inconsistent, difficult to interpret, and unreliable as direct inputs for digital products.
Zafin Transaction Enrichment turns that activity into structured context developers can use to build recognizable transaction feeds, spending insights, conversational experiences, and rewards that reflect how customers spend.
How Transaction Enrichment supports banking
Make transactions
instantly recognizable
Create transaction feeds customers can quickly scan and understand across mobile and online banking.
Turn transaction activity into spending insights
Use consistent merchant and category data across activity views, transaction search, and spending tools.
Make recurring payments easier to manage
Help cardholders recognize purchases and give support teams clearer transaction information when questions arise.
Power conversational banking with structured transaction data
Give conversational assistants clearer transaction context to answer questions and support personalized financial guidance.
Personalize rewards and offers around real customer spends
Use merchant and category context to make rewards and offers more relevant.
See Transaction Enrichment in action
Pick a prepared example, or enter a raw transaction description of your own, then run it through enrichment.
API Response:
How Transaction Enrichment works
Send transaction data
Submit raw transaction descriptions through the API.
Run
enrichment
Identify merchants, categories, logos, locations, and available recurring-payment context.
Return structured context
Return clean, consistent data your products and decisioning workflows can use.
Get started today
Power your transaction data with Zafin’s financial APIs unlock better insights and drive better experiences.
FAQ
What is Transaction Enrichment?
Zafin AIOS is an end-to-end agent orchestration platform and control plane for governed agentic work.
It helps regulated institutions coordinate agents, models, tools, workflows, knowledge sources, and human authority through one governed path, so agentic work can move with authority, evidence, cost controls, and proof of work built in.
What is the difference between transaction data enrichment and transaction categorization?
No. AIOS is not a single agent, model, or copilot.
It is the orchestration and control layer that governs how agentic work is requested, grounded, routed, executed, reviewed, evidenced, and improved across approved agents, models, tools, and enterprise systems.
How accurate is the enrichment?
AIOS is built for regulated institutions that want to use agentic AI in meaningful work without losing control of governance, evidence, cost, authority, or accountability. The first focus is banking and adjacent regulated financial services, where complex systems, sensitive data, human authority, audit expectations, and modernization pressure all matter.
Can enriched data be used for advanced analytics?
Start where speed, control and evidence all matter.
Common starting points include software and application delivery, modernization of internal systems, and workflows, regulated research, evidence-heavy operations, approval workflows, case work, and policy interpretation.
The goal is to start with one critical path, then extend the same control plane, governance model, proof of work layer, and learning loop across more governed work.
Is my financial data secure when using Transaction Enrichment?
AIOS creates a source of proof for agentic work.
It captures what was requested, what was allowed, what context was used, what happened, which agents or models participated, where humans reviewed the work, what changed, what it cost, and what proof remains.
That evidence helps institutions inspect how work was performed, reviewed, and governed without reconstructing the work path after the fact.