The Subaio Story
We help banks deliver financial clarity to their customers, with a foundation built to understand financial fundamentals, not just categorize spending.
A Foundation for Financial Understanding
The financial technology market has largely settled on a single approach to customer financial data: analyzing transactions, categorizing spending, and showing customers what they did last month. While this has become the industry standard for Personal Finance Management, it fundamentally misses the point.
Consider how a financial advisor assesses a customer's financial health. They would examine disposable income. Saving capacity. Assets and liabilities. Future commitments and risks. The complete picture of financial fundamentals that determines whether someone is financially healthy or heading toward difficulty.
We recognized early that the data infrastructure available in the market was built to answer: "What did you spend?" rather than "What is your financial situation?"
Built Different
Rather than starting with transaction categorization and trying to stretch it into other use cases, we built a foundation designed to understand financial fundamentals.
Our platform encompasses not only historical patterns but also the structural elements that define financial health: recurring income and its reliability, committed expenses and their flexibility, savings capacity under different scenarios, and the risks and opportunities that lie ahead.
This approach means our foundation naturally supports the full range of use cases that matter to banks, including personal finance management, credit processes, customer onboarding, subscription management, CRM insights, portfolio analysis, compliance, and more.
We support the full spectrum:
- Personal Finance Management
- Credit Processes & Decisioning
- Subscription Management
- Customer Onboarding
- CRM Insights & Signals
- Regulatory Compliance
Deep-Rooted Industry Expertise
Founded in 2016 by bank engineers, understanding the requirements and market conditions of the financial industry is part of our DNA.
Today, Subaio is owned by banks and backed by a Board of Directors consisting of banking experts. We are not simply an API provider delivering raw data for others to interpret. We are experts in how our data should be utilized, working closely with our clients to ensure they extract maximum value.
This expertise is inherently local. We maintain a deep understanding of every market we operate in, including the data landscape, regulatory requirements, competitive dynamics, and customer expectations.
2016
Founded by bank engineers
"Many banks are now seeing their customers' challenges with subscriptions, which means that today we have a different dialog"
Thomas Laursen
CEO & Founder, Subaio
A Partner That Thinks Like Banks
We live by a promise to empower the financial sector with the insights, products and solutions to help them accelerate their digital journey.
Every day, Subaio's 40+ employees are putting their expertise at work to help banks and other financial institutions reach their business objectives through new revenue streams, user retention, data insights, and cost savings.
The result is a partner that thinks like banks, understands customers the way financial advisors do, and delivers data that works across the full spectrum of banking needs.
40+
Team members
2016
Founded
15+
Bank partners
20M+
End users
Subaio Headquarters
Our main office is located in Aalborg, Denmark, home to one of Europe's leading engineering universities and a thriving hub for technology innovation.
From here, we're expanding our presence across Europe, bringing financial clarity to banks and their customers throughout the continent.
Aalborg, Denmark
Gasværksvej 26b
9000 Aalborg
Denmark
Get started with Subaio
Contact our team to learn how we can help transform your bank's digital offering, or explore our solutions to see what's possible.