for Income and Expenditure, the replacement of paper statement provision, Pre-Population, Underwriting & Consumer Personal Financial Management 01 “Our objective is to create the most accurate and granular categorisation of income and expenditure to facilitate better decisions across all vertical sectors” 02 c98% categorisation – model is in a constant state of improvement, including the use of machine learning techniques 03 In a recent proof of concept 91% of categorised transactions were classified as high accuracy, working to increase this to 97% Income Expenditure Salary, Pension, Benefits, Interest Rental Income, Loans, Transfers / Payments Gambling Winnings, Tax Rebates, Refunds Accommodation, Utilities, Bills, Groceries Debt Repayments, Charges, Medical and Dental Transport, Childcare, Insurance, Repairs Holidays, Clothes, Dining Out 17 Income Groups 120 Expenditure Groups