Payment data streams revealing hidden commercial signals
PAYMENTS INTELLIGENCE / BUILT FOR ACTION

Find the value
hidden in your data.

We turn complex payment, portfolio and customer data into decisions—revealing where revenue is leaking, opportunity is hiding and action will make the greatest difference.

PORTFOLIO SIGNALANALYSING

Analytics coverage: AUTHORISATIONS, HIDDEN SMEs, PORTFOLIO PERFORMANCE, CUSTOMER BEHAVIOUR, REAL-TIME ALERTS, MARKET RESEARCH, PREDICTIVE DECISIONING.

30+years in cards and payments
800+projects informing our models
35+markets of practical context
1focus: measurable action

Start with the question.
Find the commercial answer.

Use a focused diagnostic, combine modules or create a continuous intelligence programme around your portfolio and priorities.

02
APPROVALS

Authorisation Performance

Find false declines, recoverable volume and rule, routing or processor issues without compromising risk.

RECOVER LOST REVENUE ↗
03
COMMERCIAL BANKING

Businesses Hidden in Consumer Portfolios

Identify likely SMEs from behavioural signals and build targeted business-banking journeys.

FIND UNTAPPED SMEs ↗
04
CUSTOMERS

Behaviour & Segmentation

Understand engagement, lifecycle, product use, spend patterns and the next best action by segment.

MAKE ENGAGEMENT RELEVANT ↗
05
ECONOMICS

Profitability & Revenue

Expose product, segment and channel economics, revenue leakage and pricing opportunities.

QUANTIFY THE VALUE ↗
06
PREDICTION

Churn, Growth & Next Best Action

Forecast behaviour, identify risk and prioritise the interventions most likely to work.

MOVE BEFORE THE OUTCOME ↗
07
RISK

Fraud-Adjusted Performance

Balance approval, fraud, authentication and customer experience rather than optimising one in isolation.

GROW WITH CONTROL ↗
08
BESPOKE

Your Data. Your Question.

Independent analysis designed around the decision, problem or opportunity your team needs to resolve.

BUILD A CUSTOM ANALYSIS ↗
Transaction signals analysed and recoverable authorisations returned to the flow
AUTHORISATION INTELLIGENCESEE THE DECLINE. FIND THE CAUSE. RECOVER THE VALUE.

A decline code is
not a diagnosis.

We connect reason codes with merchant, channel, geography, authentication, risk rules, network responses, retries and customer context. The result is a risk-balanced view of what can genuinely be recovered.

APPROVALby channel, segment and marketREVENUEat risk and recoverable volumeFRICTIONfalse declines and retry behaviourACTIONrules, routing and process changes

From periodic reports
to an operating signal.

Move beyond retrospective packs. PayTech Analytics can provide immediate reporting, continuous monitoring and decision-ready alerts—configured around the measures that matter to your business.

IMMEDIATECurrent performance, emerging issues and priority exceptions.
ONGOINGTrend tracking, benchmarks and automated management reporting.
PREDICTIVEEarly warning, propensity, attrition and opportunity signals.
PAYTECH / LIVE SIGNAL ACTIVE
LAST REFRESH--:--:--ILLUSTRATIVE VIEW
APPROVAL SIGNAL91.8%+0.4%
PORTFOLIO MOMENTUM+6.2%ABOVE BASELINE
PRIORITY EXCEPTIONS072 NEW
MONITORDIAGNOSEALERTACT

AI that finds the signal.
Experts who make it useful.

We apply AI where it improves speed, precision and foresight—not as a black box. Models surface patterns and likely outcomes; PayTech specialists add payments context, test the evidence and turn it into commercially sound action.

01DETECT

Find what people miss

Identify anomalies, hidden segments, behavioural shifts and revenue leakage across high-volume transaction data.

PATTERN DISCOVERY
02PREDICT

See what may happen next

Estimate churn, propensity, fraud-adjusted approval opportunity and likely portfolio movement before it appears in standard reporting.

EARLY WARNING
03RECOMMEND

Prioritise the next move

Rank opportunities and interventions by likely impact, confidence and commercial value so teams know where to focus first.

DECISION SUPPORT
04LEARN

Improve with every outcome

Track results, compare predictions with actual performance and refine the models as behaviour and markets change.

CONTINUOUS INTELLIGENCE
HUMAN-GUIDED BY DESIGNExplainable outputsIndependent validationRisk and bias controlsSecure data handling

What customers do.
And why they do it.

Transaction data shows behaviour. Research explains the motivations, needs and barriers behind it. We combine both to give clients a fuller commercial picture.

01

Customer & SME surveys

Needs, payment preferences, unmet demand, switching, satisfaction and willingness to adopt.

02

Merchant & market studies

Acceptance, acquiring, payment friction, economics, technology and competitive dynamics.

03

Product & proposition testing

Concept validation, pricing, features, messaging and purchase or adoption intent.

04

Competitive intelligence

Market scans, proposition benchmarking, mystery shopping and strategic opportunity mapping.

BEHAVIOURAL DATA+MARKET EVIDENCE+PAYMENTS EXPERTISE= DECISIONS WITH CONTEXT

From raw signal
to measurable impact.

We do not stop at findings. The PayTech engine connects the evidence, isolates the cause, proves the value and keeps watching what happens next.

01
BUILD THE VIEW

Connect

Unify the relevant transaction, customer, product and market evidence.

OUTPUTConnected evidence base
02
FIND THE CAUSE

Diagnose

Separate symptoms from the patterns, friction and root causes that matter.

OUTPUTRoot-cause map
03
PROVE THE VALUE

Quantify

Size the opportunity, model the economics and focus attention where value is highest.

OUTPUTPrioritised value case
04
CHANGE THE OUTCOME

Act

Translate insight into interventions, ownership and decisions that can be implemented.

OUTPUTAction programme
05
KEEP THE SIGNAL LIVE

Monitor

Track performance continuously, detect change early and refine the response.

OUTPUTLiving intelligence
ONE-OFF DIAGNOSTICOR CONTINUOUS INTELLIGENCE

Let’s find out
what it is worth.

DISCUSS YOUR DATA