AI transaction categorization

How does this differ from AI Insights?

AI categorization suggests categories for individual transactions and can apply them in an enabled mode. AI Insights explains a calculated financial report. They have separate consent and send different data. Open Transactions → AI categorization for settings and the suggestion queue.

Which mode should I use?

Review the mode and consent, then save settings. Management requires the appropriate Workspace permissions.

• ✓As before — rules and manual keeps the workflow without new AI processing.
• ✓AI suggestions for approval leaves category decisions to you.
• ✓Automatic AI for unresolved categories applies suggestions rated at least 95% only to uncategorized or weakly recognized transactions. This is the model’s rating, not a guarantee of accuracy. Manual categories, rules, internal transfers, loans and cash allocations are protected.

What data is sent and how do I stop processing?

Consent allows abbreviated descriptions, counterparties and payment direction to be sent to OpenAI. Recognizable IBANs, numbers and emails are masked, but names and other personal data may remain. Amounts, balances, documents and full history are not sent. Response storage is disabled, which does not remove every provider retention period. To stop, clear consent and save: subsequent requests and automatic changes stop; an already sent request cannot be recalled.

How do I handle suggestions?

Submit selected transactions or use bulk processing. Bulk processing covers eligible Workspace transactions regardless of the current search, skips previously submitted ones and continues within the daily limit even if the page is closed. Check the queue and displayed statuses.

• ✓Accept changes only the transaction category. Accept and remember includes a review to create or update a rule.
• ✓Dismissing leaves the category unchanged. A Stale suggestion means the transaction changed after analysis; request a new review.
• ✓No reliable suggestion requires your judgment. After a failure, check the message and request another review. Demo mode neither sends data nor saves changes.