Blog

Insights on open banking data quality

Engineering and product perspectives from the Spendaq team. Transaction categorization, cash-flow forecasting, and banking API infrastructure.

Abstract visualization of broken transaction categorization in open banking data
open bankingcategorization

Why Open Banking Transaction Categories Are Broken (And What It Costs SMB Banking Apps)

Jan 14, 2025Yuki Tanaka
Abstract high-speed data processing visualization
engineeringlatency

Building Real-Time Transaction Classification Under 200ms

Feb 4, 2025Daniel Osei
Abstract visualization of financial forecasting
cash flowforecasting

SMB Cash-Flow Forecasting: What Works, What Doesn't, and Why Categories Matter First

Feb 25, 2025Camila Rossi
Abstract comparison visualization of banking API data quality
open bankingdata quality

Plaid vs MX vs Tink: What Banking Developers Need to Know About Data Quality

Mar 17, 2025Yuki Tanaka
Abstract visualization of banking product data infrastructure
neobankproduct management

The Neobank Product Team's Guide to SMB Expense Data Quality

Apr 8, 2025Camila Rossi
Charlotte North Carolina skyline representing major US banking hub
fintechCharlotte

Charlotte, NC: The Quiet Center of US Banking Infrastructure

Apr 28, 2025Yuki Tanaka
Abstract data enrichment and transformation visualization
transaction datareclassification

Transaction Enrichment vs. Reclassification: Why the Difference Matters for SMB Banking

Jun 3, 2025Daniel Osei
Abstract API integration patterns visualization for banking infrastructure
APIintegration

API-First Banking Infrastructure: Integration Patterns for Cash-Flow Features

Jul 14, 2025Daniel Osei
Abstract data accuracy improvement visualization
case studyaccuracy

From 68% to 94%: Improving Cash-Flow Dashboard Accuracy for a Neobank SMB Product

Aug 19, 2025Camila Rossi
Abstract webhook event delivery visualization
webhooksengineering

Webhook Event Delivery for Real-Time Banking Apps: Design Considerations

Sep 30, 2025Daniel Osei
Abstract financial forecasting methodology visualization
forecastingmethodology

Inside Spendaq's 90-Day Cash-Flow Forecast: Methodology and Assumptions

Nov 11, 2025Yuki Tanaka
Abstract financial data API security controls visualization
securityAPI

Security Controls for Financial Data APIs: What Banking Product Teams Should Require

Jan 7, 2026Yuki Tanaka