Tool 11 · Bank Embed · The Platform Play

Subscription decisioning,
rendered native inside the bank
your customers already trust.

A white-label engine that drops Singula's subscription detection, scoring, and life-event action library into any bank or BaaS app — with the host's brand on the surface and Singula's intelligence underneath.

5
UK Banks Live
2.4M
Consumers Under Embed
£180m
Subscription Spend Intelligence
94%
Detection Precision

One engine, any host brand.
Toggle a bank to see the embed re-skin in real time.

Same consumer (Sarah Patel, 11 active subscriptions, £147.42 monthly spend). Same Singula detection and scoring engine. The host bank's brand tokens — colour, typography, radius, microcopy register — drive every pixel of the embed surface.

Live preview · v4.7.2
Host Bank
Data Flow
Host bank transactions · API Detection recurring · cadence · merchant Scoring engagement · value · life-fit Decisions pause · cancel · switch · save Embed render native chrome · bank tokens
9:41 ●●● 📶 🔋
Accounts
Spending
Subscriptions
Saving
Hi Sarah,
Here's what's leaving your account on repeat.
Monthly recurring out
£147.42
11 services £1,769 / yr
!
£40.96 / month likely wasted
4 subscriptions you haven't used in over 60 days. That's £491 a year quietly leaving.
Needs review
A
Apple Music
Duplicate vs. Spotify Family
£10.99
monthly
P
PureGym
Unused 47d last visit 19 Mar
£24.99
monthly
B
Bumble Boost
Forgotten not used 4mo
£14.99
monthly
N
NOW TV Cinema
Auto-renewed last watched 89d
£9.99
monthly
Active & healthy
N
Netflix Premium
Watched 18 hrs / 30d
£17.99
monthly
S
Spotify Family
5 of 6 profiles active
£19.99
monthly
S
Strava Premium
14 activities / 30d
£12.50
monthly
G
The Guardian
Daily reader
£12.00
monthly
i
iCloud+ 2TB
1.4 TB used · essential
£8.99
monthly
A
Audible
2 books / 30d
£8.99
monthly
C
Calm
Active · 12 sessions
£4.99
monthly
Admin console
Norwest · Production
Active Embed Users
487k
↑ 4.2% wow
Detection Precision
94.1%
↑ 0.3 pts
Save-action Conv.
23.7%
↑ 1.8 pts
Avg £ Saved / User
£312
↑ £18 mom
Live Engine Activity
streaming
Detected duplicate music subscription · user 7f8a2c
2s
Save action accepted · cancel Bumble Boost · £14.99/mo
11s
Forgotten subscription flagged · 89d inactive
18s
Switch executed · O2 → giffgaff · £8.50/mo saved
42s
Life-event signal · JOB-CHANGE · pause-eligible 3
1m
Win-back accepted · merchant Disney+ · 50% off 3mo
2m
Detection requires review · edge case · uncertain merchant
2m
What ships in the box

The full decisioning stack,
under your brand.

01
Detection engine
Recurrence detection across 240+ UK merchants with 94% precision. Runs at the bank's edge — transaction data never leaves your perimeter.
02
Subscription scorecard
Engagement signal, value-for-money, life-event fit. Scored continuously per consumer, per service.
03
Action library
Pause, cancel, downgrade, switch, smooth, defer, insure. Eleven canonical actions, configurable per host.
04
Brand-token theming
Colour, typography, radius, motion, microcopy register. Native-feel at the host's design depth, not skin-deep.
05
Merchant network
192 live merchants — switch destinations, win-back offers, life-event partners. Revenue share configurable per host.
06
Admin & observability
Real-time activity feed, A/B framework, rule toggles, MAU dashboards. Your product team in the driver's seat.
Commercial model

Per-active-user licence,
plus network-side revenue share.

Foundation
Detection & portfolio surface. The starting wedge.
£0.30/MAU
£250k floor · annual
  • Detection engine, 240+ merchants
  • Portfolio surface in host app
  • Forgotten-subs flagging
  • 4 brand-token slots
  • Standard observability
Platform
For BaaS partners and tier-1 banks. Engine on your infra.
£1.20/MAU
From £1m + custom rev share
  • Everything in Decision Engine
  • Self-hosted detection at edge
  • Full source access (engine layer)
  • White-label admin & reporting
  • Subscription Insurance underwriting
  • Co-marketing & press support
  • SLA: 99.95% · 24/7 critical
Decide what's leaving your customers' accounts

Either you embed the
decisioning layer, or
someone else does.

A 30-minute technical session walks your product, design, and risk teams through the full integration. We'll bring a sandbox keyed to your design system within 5 working days.