Recurring expenses
Identify users’ regular payments and spending patterns
Obtain an instant snapshot of your users’ recurrent spending behavior, encompassing subscription services such as Netflix or Spotify, as well as other periodic payments like utility bills, loans, or rent transfers. Easily understand their loan repayment risk and offer them advice on how to improve their financial health.
Trusted by the leading financial innovators
Automatically identify recurrent expenses
Access enriched financial data
Access real-time data and identify recurring expenses to improve how your customers manage their finances.
Enrich your own data
Our product is compatible with transaction data from any source. Whether you have an existing data set or you access open finance data, we properly identify recurring expenses.
Identify savings opportunities
Understand the expenses that your customer is already committed to and identify how to reduce them to boost savings as well as optimize their financial health.
Reduce credit risk
Analyze spending patterns to foresee your customers’ ability to pay and offer tailored-made credit solutions with low risk.
Get a real picture of your client’s recurring expenses
Drive more insightful credit decisions
Identify what percentage of your customers’ expenses are recurring payments to better understand their financial profile, offer them personalized credit options, and reduce risk.
Understand your users’ spending patterns
Understand your users’ recurring spending patterns on platforms, subscriptions, and utility payments. Obtain data on regular or installment payments such as rent and mortgage and provide personalized financial advice to your users.
How does it work?
Turn raw data into categorized and clean data
Our machine learning engine correctly classifies raw transactions into 15 categories and 94 detailed sub-categories.
Our engine is trained to identify income, lending and repayment categories and potential risk expenditure.
Related guides & docs
High-accuracy income verification
Verify your users’ income and financial stability using our machine learning and AI-powered models.
Boost the predictive power of your risk models
Access a comprehensive list of cleaned and pre-calculated features to empower your models.
Categorize transactional data from any source
Automatically categorize, enrich transactional data, and identify recurring expenses from any source in just seconds.
We can’t wait to hear
what you’re going
to build
Belvo does not grant loans or ask for deposits
