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Case Studies

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Pinpoint merchant and customer locations using transaction data

Pinpoint merchant and customer locations using transaction data

Pinpoint merchant and customer locations using transaction data

How a financial institution leveraged AI to map customer and merchant locations

How a financial institution leveraged AI to map customer and merchant locations

Deployed terabyte-scale algorithm

Optimized location accuracy

Enhanced customer insights

Refined merchant mapping process

The challenge

Identifying location trends from transaction patterns

A financial institution had insights into card transaction patterns but lacked visibility into customers' home locations and merchant locations. To enhance location-based targeted campaigns, the company sought to develop a scalable algorithm to estimate these locations accurately.

Key challenges

  • Needed to scale across time, volume, and velocity

  • Missing customer and merchant location data

  • High cost and dependency of purchasing data

  • Required deployment on large amount of data

The solution

AI-driven location intelligence

Enhanced data intelligence

Assessed multiple sources

Added third-party merchant data

Enhanced transactions with locations

AI-powered mapping

Mapped locations via ML

Extracted data with text-mining

Refined for accuracy

Implementation approach

1

Data integration

  • Scaled framework

  • Standardized transaction

  • Integrated data sources

2

Algorithm development

  • Iterated for accuracy

  • Validated with sample data

  • Used ML for location mapping

3

Scalability and deployment

  • Optimized large amount of data

  • Supported streamlined processing

  • Integrated into workflows

The impact

Precision in location mapping

Scalable deployment

  • Deployed terabyte-scale algorithm

  • Estimated near to complete customer homes

  • Mapped almost all merchants

Precision mapping

  • More than half merchants within 0.3 miles

  • Almost half customers within a mile

  • Greater data reliability

Business benefits

  • Greater data reliability

  • Improved decision-making support

  • Enabled targeted marketing

Looking ahead

Future enhancements

  • Expand model to new markets

Continuous optimization

  • Refine algorithms for higher accuracy

Scalability and integration

  • Enhance real-time processing capabilities

All rights reserved © 2025 Fractal Analytics Inc.

Registered Office:

Level 7, Commerz II, International Business Park, Oberoi Garden City,Off. W. E.Highway, Goregaon (E), Mumbai City, Mumbai, Maharashtra, India, 400063

CIN : U72400MH2000PLC125369

GST Number (Maharashtra) : 27AAACF4502D1Z8

All rights reserved © 2025 Fractal Analytics Inc.

Registered Office:

Level 7, Commerz II, International Business Park, Oberoi Garden City,Off. W. E.Highway, Goregaon (E), Mumbai City, Mumbai, Maharashtra, India, 400063

CIN : U72400MH2000PLC125369

GST Number (Maharashtra) : 27AAACF4502D1Z8

All rights reserved © 2025 Fractal Analytics Inc.

Registered Office:

Level 7, Commerz II, International Business Park, Oberoi Garden City,Off. W. E.Highway, Goregaon (E), Mumbai City, Mumbai, Maharashtra, India, 400063

CIN : U72400MH2000PLC125369

GST Number (Maharashtra) : 27AAACF4502D1Z8