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Making Sense of Card Transactions:
Your Customers Don't Recognise Their Transactions. You're Paying Millions To Explain Them.
Every unclear transaction - "AMZN MKTP SE", "SQ COFFEE STOC" - triggers support calls, chargebacks, and lost BI insights.
With a Nordic focus, Unwrap Data enriches card data in real-time. Clear merchant names. Correct categories. Ready for analytics and AI.
Card Transaction Data is Broken
Card transaction data is one of the bank’s most valuable datasets, yet it is often inconsistent, fragmented and difficult to interpret. This lack of clarity creates confusion for customers, increases support volume and limits the bank’s ability to use the data for analytics and innovation.
50%
50% of consumers investigated a transaction they didn’t recognise
20%
Up to 20% of bank support calls are about understanding transactions — not fraud
40%
Up to 40% of transaction data used in analytics requires manual cleansing — limiting the impact of BI, AI and innovation.
Sources: Visa, Ethoca, Gartner
What We Do
We fix the data layer
banks depend on
Banks rely on card transactions as their most important behavioural dataset — yet the underlying data is inconsistent, fragmented and hard to use.
Unwrap turns unclear card transaction data into structured, bank-grade information that can be used across customer service, digital channels and analytics.
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Case Overview
Where clearer transaction data makes a difference
Different teams across the bank depend on card transaction data in different ways. Unwrap supports the key use cases where clarity, consistency and structure matter most.
Customer Support
Reduce transaction-related support
Unclear transactions drive unnecessary inbound support — even when no fraud has occurred.
Unwrap helps banks eliminate confusion before it reaches customer service.
Customer Experience
Improve The Customer Experience
Clear, recognisable transactions build trust across digital banking channels.
Unwrap enables banks to present transactions the way customers expect them to look
BI & Analytics
Unlock Card Data For BI And Analytics
Card transactions are the bank’s largest behavioural dataset — yet often the least usable.
Unwrap turns fragmented transaction data into a reliable foundation for BI, analytics and AI.
BI Problem (Shared Infrastructure)
A BI Problem No Single
Bank Can Solve Alone
Large merchant groups appear as hundreds of inconsistent transaction names across locations, terminals, and franchises — making analysis slow, manual, and unreliable.
Building and maintaining a complete, up-to-date merchant structure at this scale is simply too costly for any single bank to do on its own.
.
Conclusion
Unwrap solves this as shared infrastructure — one merchant data layer, built once and used by many banks.
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