Business Underwriting

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Digital Banking

Ntropy launches Insights to help lenders scale underwriting without increasing risk

Ntropy is the most accurate financial data standardization and enrichment API. We build language models to understand financial data at scale, regardless of source, format, geo or language.

Ntropy news

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The data behind financial transactions is the biggest leverage to create better lives globally. Today this data is in silos, messy and difficult to work with. <neon>We are changing that.</neon>

Mission

Large language models are going to transform the “behind the scenes” of money . The productivity gains here will result in orders of magnitude more accessible and intelligent financial services for everyone everywhere.”

Despite growing up in different countries, we shared a common experience of facing challenges in accessing financial services. We believe that money should enable and unlock, but instead it often blocks and slows us down. Given our background in machine learning, we decided to change this from the ground up, with data.

Our story

Most of the world's financial data is stored in our bank transactions but the data is messy and difficult to read for both humans and machines. We saw enrichment as a foundational layer to enable money to do more, in more places, and for more people. Only once you have clean and standardised data, can you realise the potential of LLMs.

Large language models are universal tools that can transform systems of record into systems of intelligence by surfacing the right information at the right time and in the most optimal way. Despite our common excitement for LLMs, building with commercial or open source LLM-s is far from trivial. Finance requires precision, scale and security. The majority of global fintechs and FI-s will lack time, resources and expertise to unlock it. We believe that an AI company specialized in financial services will lead this transformation.

About

Blog

Consistently categorize your consumer or business financial data.

Categorization

Verify your customers' income in seconds.

Income Check

Enrich your financial data with merchant information with industry leading accuracy and consistency.

Merchant Enrichment

Empower your users to take control of their recurring spend.

Recurring Spend

Benefits

The data behind financial transactions is the biggest leverage to create better lives globally. Today this data is in silos, messy and difficult to work with. <orange>We are changing that.</orange>

We play blind chess and Factorio as if our lives depend on it, watch anime, cook together and challenge what's possible on a daily basis. Some of us are pro musicians, others are olympiad winners, we think our meme game is the best, you'd have to judge it for yourself. The best thing about being an Ntropian is learning from and being humbled by other ntropians day in day out.

Being an Ntropian

Open roles

Careers

From our blog

Everybody has a data enrichment model that is trying to be good at one thing: US or Europe, business or consumer. These models are poor at generalizing and are not capable of human level output.<br></br>With us, you can leverage the power of the world's largest and most performant models embedded in your products, at a fraction of cost and time. No geo, language or use case limitations.

Our growth is no secret

Ntropy has been built not as a point solution for a specific use case but as a horizontal infrastructure layer that can be used in a multitude of scenarios. We are agnostic to the type of financial data, what country it comes from, what language it is in and if it relates to consumers or businesses.

Why Ntropy

Working with fast-growing companies

Ship faster integrating with our Python SDK or Rest API in minutes. No prior setups or data formatting. You can get going straight away as soon as you have incoming data and your first customers.

Made for developers

LLMs for finance

Our products

Build a comprehensive picture of your customers and close data gaps with enriched financial data.

Verify self-reported business data quickly with enriched financial data from the source of truth - bank accounts.

Close the gaps of credit bureau data by leveraging enriched financial data directly from the source.

Consumer Underwriting

Enrich financial data to make it easy to track, reconcile and manage  money.

Financial Operations

Improve authorisation rates with a granular and enriched accountholder view.

Payments

Solutions

We have built and fine-tuned custom language models to recognize entities, automatically crawl the web in real-time and pick the best match, as well as assign labels with superhuman accuracy in a fraction of the time.

Under the hood

Ntropy is the most accurate financial data standardization and enrichment API. Any data source, any geography.

golb

Ntropy launches Insights to help lenders scale underwriting without increasing risk

Ntropy partners with Yapily to expand data enrichment service across Europe

The Impact of Large Language Models (LLMs) on the "Build vs Buy Software" Decision: bots buy from bots?

Wayflyer: Using financial data enrichment to close data gaps in underwriting

Better lending decisions, faster financing

Cross-Entropy is All You Need… Or is It?

The new pursuit for a Mint alternative: powered by AI

We asked GPT4 to categorize our financial data. A glance into the future of transaction enrichment

The Power of Transaction Categorization: A Practical Approach

Join hundreds of companies taking control of their transactions