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
9:41●●●📶🔋
N
Norwest
⚙↗
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
4 of 11
A
Apple Music
Duplicatevs. Spotify Family
£10.99
monthly
P
PureGym
Unused 47dlast visit 19 Mar
£24.99
monthly
B
Bumble Boost
Forgottennot used 4mo
£14.99
monthly
N
NOW TV Cinema
Auto-renewedlast watched 89d
£9.99
monthly
Active & healthy
7 services
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
Engine policies for this host. Toggle rules at the bank level — no engineering required to roll out a new behaviour to your customer base.
Auto-flag forgotten subscriptions
Mark services as "forgotten" after 60 days of zero engagement signal.
Detect duplicate categories
Surface where two services overlap (e.g. Spotify + Apple Music) with savings recommendation.
Life-event pause prompts
Offer one-tap pause on holiday, job-change, and bereavement signals.
Switch & save offers
Surface alternative providers where verified savings exceed £5/mo. Bank takes 30% of revenue share.
Merchant win-back routing
Allow merchants to bid on pre-cancel intent signals from Norwest customers.
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
Most chosen
Decision engine
Full action library + life-events + merchant network.
£0.85/MAU
£600k floor + 30% rev share
Everything in Foundation
Full 11-action library
Life Events Engine
Switch & Save with merchant network
A/B framework + rule console
Custom brand-token depth
Dedicated solutions engineer
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.