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CCD2 scoring

CCD2 compliance starts with data you can trust

Tapix turns raw transaction data into verified income, categorised expenses, and surfaced risk flags, feeding your existing scoring engine the inputs CCD2 actually requires.

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Trusted by 50+ global banks and fintechs

CCD2 doesn't care how clean your data is. It just expects it to be.

CCD2 requires verified income and categorised expenses for every applicant, including micro-credits under €200. Without automated categorisation, your team is manually triaging hundreds of transactions per case.

‍Risk indicators are hiding in cryptic strings. Gambling, payday loans, and crypto transfers are decisive CCD2 red flags. In raw open banking feeds, they show up as "CRV*OPTMOBLCOFI.HU". Your scoring model can't flag what it can't read.

Learn more about CCD2 directive
how tapix works

From raw PSD2 feed to scoring-ready inputs
in one API call

Tapix sits between your transaction feeds, including PSD2 open banking data, card, and bank transfer, and your scoring engine.  Transforming unstructured descriptions into structured income, expense, and risk segments your existing models can actually use.

Match

Categorise

Score

Six attributes per transaction, validated against 30+ billion records

Cross-checked against six data attributes, not just MCC codes
Resolved at the individual transaction level, not the merchant level
Reviewed by 30+ human validators with continuous user feedback

Turn raw data into CCD2-ready segments

Income split into stable employer income vs. social benefits
Expenses mapped to loan repayments, taxes, and credit commitments
Red flags tagged automatically: gambling, overdraft fees, crypto

Feed your existing scoring engine

Structured outputs flow straight into your current underwriting stack
CCD2 compliance achieved without replacing core systems
Manual review eliminated, time-to-yes cut, conversion lifted
BUSINESS OUTCOMES

From compliance burden to competitive advantage

CCD2-ready data doesn't just satisfy regulators. It speeds up underwriting, surfaces hidden risk, and reveals which products to offer next.

Hit CCD2 compliance without rebuilding your stack

Structured income, expense, and risk-flag data flows directly into the scoring engine you already run. Meet creditworthiness-assessment requirements out of the box, even for micro-credits under €200.

Catch risk signals you're missing today

Gambling spend, irregular income patterns, payday-loan obligations, and hidden recurring debits surface automatically. No analyst flagging, no cryptic merchant strings slipping through.

Cut time-to-yes and lift conversion

Automated enrichment removes the manual review bottleneck. Underwriting gets faster, onboarding gets shorter, and more applicants make it from "applied" to "approved."

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Turn compliance data into cross-sell intelligence

The same enriched transaction data that satisfies CCD2 reveals each customer's spending preferences and financial behaviour. Right product, right customer, right moment, from data you were already required to collect.

30+ billion records validated
25 categories & 520+ tags
99.99%+ data accuracy
Built for regulated lending teams

Tapix’s CCD2 data enrichment operates as a structured API layer delivered via secure REST API integration. Review the data model, endpoints, integration patterns, and security approach in the technical overview.

REST API-based
No core systems changes required
Works on top of existing transaction feeds
Deploy in weeks
Learn technical capabilities
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“Thanks to the accuracy of Tapix data, our customers have a better view of what they have recently paid for. Such transparency translates into greater customer satisfaction and loyalty to our products. It also reduces operational costs related to customer service and chargebacks"

Pavel Prucek

Head of Product at Twisto

See Tapix in Action

30-minute walkthrough with a live demo tailored to your lending model and transaction data. See how Tapix turns raw payment records into CCD2-compliant creditworthiness inputs – using sample data that reflects your real-world scenarios.

Schedule a demo call