The Cognitive
Banking Brain

Make everyday banking

See how banks use AI today   >

Working with 6 of the
top 12 banks in NA/EU


Serving over 45 million
customers worldwide


Customer transactions analyzed


Personalized customer interactions

4+ Star customer rating

Cognitive Financial Services Applications

Delivering personalized insight and guidance to millions of customers worldwide.

Predict Individual

Guide each customer
along the financial journey

Converse in
natural language

AI in financial services is real. So is the value.

Engagement users engaged with personalized insights

NPS Improvement

Product Adoption Double-digit increase in account openings

Who's talking about us:


RBC is building AI into its mobile banking app

RBC this week went live with automated personal finance and budgeting capabilities within its mobile app. It’s more evidence of a major shift in what mobile banking means to consumers, as banks build in features that tell customers how they’ve been spending their money, or automatically take their spare cash and put it in a savings account.

Learn More
Bankrate Logo

Coming to your banking app soon: Predictive analytics

With the help of artificial intelligence and predictive analytics, banks are learning to use their ever-growing data hoards to help you make better financial decisions.

Learn More

How consumer banking leaders are embracing AI

Ally Bank was one of the first to launch an AI-based virtual assistant two years ago: Ally Assist, which is based on technology from Personetics. Ally Assist already provides a contextualized user experience. “Consumers have the ability to speak or text questions, then based on how they interact with Ally Assist, the content is customized when they come back next time.”

Learn More

Will Using AI for PFM Help Consumers Develop Better Financial Habits?

Fintechs have been exploring this idea for quite some time now, whether it be through fraud management, or using AI to execute trades across global equities algorithms business. Banks are just starting to look into how AI can be used for consumer finance beyond customer support. But now, the Royal Bank of Canada is implementing AI technology, powered by Personetics, into its mobile app for PFM.

Learn More

In the spotlight

Case Study

RBC NOMI is the winner of Celent Model Bank Award 2018 for Personal Financial Experience

NOMI Insights™ and NOMI Find & Save™ help RBC customers stay ahead of their day-to-day finances and make saving simpler.

Download the case study for results and lessons learned


Countdown to customer engagement: The 10-second banking experience

By optimizing their apps to capitalize on those 10 seconds of influence, banks can dramatically boost customer engagement.

Learn more


Proactive Money Management: AI gives PFM a second life

Just when it seemed as if Personal Finance Management (PFM) was all but dead, it is seeing a revival with new and exciting capabilities.

Get your copy of the eBook

Want to explore how your bank can Harness the power of AI to engage and serve customers?

We work with banks of all sizes across all geographies and will be happy to see how we can help.