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Introduction

Walker Street Data turns a business's raw bank transaction data into decision-ready insight. Send us the transactions - as structured data you already hold, or as a PDF bank statement - and we return enriched, categorised transactions and a set of reports that describe the financial health of the business behind them.

The problem we solve​

Bank transaction data is where the truth about a business's finances lives, but in its raw form it is hard to act on:

  • Descriptions are messy and inconsistent. The same merchant appears in dozens of formats, and a line like EFTPOS 8842 SYDNEY tells you little about what the money was actually for.
  • Formats vary. Data arrives as CSV exports, core-banking feeds, or PDF statements - each shaped differently.
  • Raw lines aren't decisions. Knowing every transaction is not the same as knowing whether a business can afford a facility, or how likely it is to default.

Bridging that gap - cleaning, categorising, and interpreting transaction data - is slow, manual, and hard to do consistently. Walker Street Data does it for you, through a single API.

What the platform does​

Every transaction that enters the platform is automatically enriched: classified against a consistent taxonomy, resolved to a counterparty, and scored for confidence. From that enriched history we derive reports that answer the questions a credit or risk decision actually turns on:

  • Completeness - is the available data complete enough to decide on?
  • Risk Score - a probability-of-default signal to support underwriting.
  • Aggregate - cashflow and behavioural summaries for affordability analysis.

Reports are always computed over a customer's entire transaction history and refreshed automatically as new data arrives, so the picture stays current without extra calls.

What you can achieve​

Walker Street Data is built for lenders, brokers, and any business that needs to understand the financial health of the businesses it works with. With it you can:

  • Assess creditworthiness - turn a customer's transaction history into an explainable, consistent risk signal for underwriting.
  • Judge affordability - see income, expenses, and cashflow patterns summarised for serviceability decisions.
  • Trust your data - know whether you have enough coverage to decide, before you decide.
  • Automate manual review - replace hours of statement-reading and spreadsheet work with a handful of API calls.

How it works​

The whole integration is a short sequence of calls, built around a customer - Walker Street Data's term for an Australian business entity, identified by its 11-digit ABN.

  1. Create a customer with their ABN to obtain a customerId.
  2. Submit transactions - as JSON or a PDF bank statement. Processing is asynchronous; you receive a jobId.
  3. Retrieve enriched transactions once the job completes.
  4. Get reports - completeness, risk, and aggregate - in a single call.

Ready to build? Head to Get started for the step-by-step walkthrough, or jump straight to the API Reference.

Want to talk through your use case first? Reach out to contact@walkerstdata.com.au.