Unlock the Power of Cognitive Banking to Build & Monetize Customer Relationships
Engage delivers timely, relevant financial guidance through your digital banking channels. Customers receive proactive insights, recommendations and savings opportunities based on their own financial behavior. Every interaction is built to help them act, not simply to inform them.
Banking Console helps relationship managers identify, prioritize and engage the right customers at the right time, with the financial context and the recommendations they need. It continuously analyzes customer behavior, primacy indicators and financial signals to surface what matters across an entire customer base, moving relationship managers from reactive service to proactive engagement.
One shared workspace to design and configure contextual customer experiences and journeys, from creating insights through activating campaigns and measuring business outcomes, without relying on technical resources for every change.
The Cognitive Engine transforms raw transaction data into financial intelligence, built on deterministic, statistical inference and machine learning models. It combines transaction enrichment, spending patterns, cash flow, goals, financial relationships and intent, then reasons in context to guide customers, support bankers and inform decisions across the bank.
Deploy AI with confidence and build trust into every interaction with AI model lifecycle governance. Full-lifecycle governance covers development, performance evaluation, explainability, monitoring, change management and ongoing oversight, with rigor matched to each model type and audit-ready documentation.
A secure, scalable foundation engineered for mission-critical financial environments. It manages connectivity, APIs, integrations and platform operations, and integrates with your bank data and Open Banking data, so everything built on top runs reliably in production.
“I would like to thank you guys Personetics and Microsoft for your partnership. A great solution, reliable infrastructure. Without you guys, this would have been impossible. The SaaS model means we can continuously add new content and improve existing insights, benefiting from Personetics’ experience with banks worldwide.”
“By moving to Personetics’ SaaS solution, we're not just modernizing. We're setting ourselves up to innovate faster and deliver more value to our customers."
“We’ve been really pleased with the engagement of the Scotia Smart Money tool. It’s been 4.7 stars out of five feedback from our clients. As well, there’s been a 73% engagement rate. We’re really proud that our platform is reaching over five million Canadians and we’re helping them be better off.”
“Enhancing the digital experience for our customers is a top priority. By leveraging the Q2 Innovation Studio to embed a solution like Personetics within our digital banking platform allows us to provide real-time insights and automated saving plans, helping our customers work toward their goals and financial...”
"The first step to achieving one’s financial goals always starts with savings. We are delighted to partner with Personetics to introduce the new Auto-Save feature on our TMRW mobile banking app to provide our customers with a simple, smart, and automated way to save more for their future."
"My Money Manager is the result of a new partnership between Santander and Personetics, generating new use cases and co-creating off-the-shelf solutions. Building long-lasting and meaningful relationships with our strategic partners is key to accelerating Santander’s digital transformation."
"Exceeding customer expectations of KBC Mobile is what excites our team...Each time we are able to provide such relevant information, it may give a small, but tangible benefit to the customers' life and add to his or her personal financial insight. Personetics is helping us achieve that type of relevance."
"Huntington Bank is proactively increasing customers’ Financial Wellness by leveraging Personetics' Self-Driving Finance solutions for Heads-Up and Money-Scout digital tools. As a result, Huntington National Bank saw mobile use more than double from 2019 to 2020, along with an overall increase in mobile users."
"Personetics helped MyState Bank transform the way we drive value from our data assets... In the past year we have helped our customers save almost AU$1.4M collectively, with a typical Auto-Savings transfer amount of $24.69."
"In the first quarter of launch, over 20 thousand new deposit accounts were opened, and 30 thousand customers have set up savings goals… This is a fantastic outcome we’ve seen for a new product and experience."
“Thanks to Personetics, we have been able to expand our services to include 42 hyper-personalized, AI-based insights that cover expenses, budget management, and cash flow. Ultimately, we are generating 450 million insights annually with an impressive approval rating of 86%.”
“Personalizing financial management remains a priority for process simplification, becoming a differentiator for financial organizations, effective use of analytics is the biggest gap that financial institutions need to bridge.”
"UOB’s TMRW Quadrupled Its Customer Engagement Rate in One Year: "Our focus at UOB TMRW is to always create a delightful banking experience for each individual…We wanted to sharpen the information that we provide our diverse customer base so that it is always relevant and personalized to each individual."
“It’s exciting to show people how these data-driven insights can make a real difference in their financial wellness, helping them see their own spending more clearly, set smart budgets, and identify opportunities to save. The Personetics philosophy is all about taking a bottom-up approach to win confidence of customers, and that was a key selling point for us..."
"Providing real-time, personalized insights within our online and mobile banking platforms will allow us to help our customers work toward their goals more confidently, one financial decision at a time."
“Our ongoing partnership with Personetics has been extremely positive and continues with deepening innovation towards our customer-centric goals. Together, we have laid the groundwork for continued digital innovation at Discount Bank to better serve our customers in a very dynamic banking market."
"Personetics is an ideal partner in providing our customers with the tools and direction they need to become more involved and active in shaping their own financial future."
“I see it as a dance, a beautiful dance of that choreography between the digital and the human coming together. Right now, I think most banks - and we’re one of them - are in the elementary class of that. But I see the future where that comes together really beautifully.”
“Mobile banking is becoming our branch of the future. We have to move past that teller line experience and recreate that high-touch, consultative experience digitally. By partnering with Personetics, we can dip our toe in the artificial intelligence waters to meet customer expectations set by industry leaders.”
“Associated Bank's vision is growth-focused and digital forward. Personetics fit really well, with our vision of what we saw in terms of bringing insights, budgets, and being able to centralize our data. Since launching, the reception has been incredible. We've seen an average rating of the insights of 4.4 and 30% engagement across the board since the launch of their..."
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