subaio.com valid

Subaio

Financial intelligence infrastructure for banks.

For agents: Subaio: financial intelligence infrastructure for banks, offering PFM, creditworthiness assessment, card issuer support and subscription management.

financial intelligencepersonal financial managementcreditworthiness assessmentsubscription managementcard issuer support

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-20T20:44:43.476Z. Cached copy · Source on subaio.com

# Subaio

> Financial intelligence infrastructure for banks.

Subaio builds the data layer that powers financial experiences in banking. Founded in 2016 by bank engineers, headquartered in Aalborg, Denmark.

## What Subaio Does

Subaio provides transaction-level financial intelligence to banks and financial institutions. Unlike traditional PFM tools that categorize spending history, Subaio understands financial fundamentals: disposable income, saving capacity, recurring commitments, and future risks.

## Solutions

- [Collaborative Finance](/solutions/collaborative-finance): Next-generation PFM with 70% sustained engagement (vs. 5-15% industry average). Proactive insights, goals, and advisor handover.
- [Creditworthiness Assessment](/solutions/creditworthiness): Transaction-based credit decisioning for CCD2 compliance. 50%+ reduction in handling time.
- [Card Issuer Support](/solutions/card-issuer-support): Dispute prevention and subscription management for card issuers. Visa mandate compliance.

## Products

### Finance Management
- [Subscription Management](/products/subscription-management): Full visibility and control over recurring payments. 150,000+ merchants identified.
- [Insights & Signals](/products/insights-signals): Proactive financial opportunities and risk detection.
- [Aspirations & Goals](/products/aspirations-goals): Goal-based savings with adaptive guidance.
- [Cashflow Forecasting](/products/cashflow-forecasting): Forward-looking cash position predictions.

### Risk Decisioning
- [Credit Risk Assessment](/products/credit-risk-assessment): Automated creditworthiness from transaction data.
- [Income & Expense Verification](/products/income-expense-verification): Verified income and committed expenses for lending.
- [Account Verification](/products/account-verification): Account ownership and holder identity verification.

### Data Foundation
- [Transaction Enrichment](/products/transaction-enrichment): Clean merchant names, logos, categories. 99%+ accuracy across 250M+ POIs.
- [Merchant Information](/products/merchant-information): Logos, locations, contact details for 250M+ points of interest.
- [AI Integration](/products/ai-integration): Data foundation for AI-powered financial advice.

## Industries

- [Banking](/industries/banking): Digital banking engagement and retention.
- [Lending](/industries/lending): Faster, more accurate credit decisions.

## Key Facts

- 15+ financial institution implementations across Europe
- Processing billions of transactions
- 7 years of experience
- 95%+ category coverage, 99%+ merchant name accuracy
- Clients include Nordea, ABN AMRO, Lunar, Nykredit, Sydbank
- Primary markets: Scandinavia and Benelux

## Contact

- [Request a Demo](/demo)
- [Contact Sales](/contact-sales)
- Website: https://subaio.com
- Address: Gasvaerksvej 26B, 9000 Aalborg, Denmark

## Optional

- [Full details for AI agents](/llms-full.txt)
- [Blog](/blog)
- [About](/about)
…

Related sites

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