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Personetics Act

Automated Financial Wellness Programs

Personetics Act

Automated Financial Wellness Programs

Personetics Automated Financial Wellness Programs help customers reach long-term financial goals and achieve financial resilience by engaging customers in habit-forming financial wellness behavior over an extended time frame.

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Automated Financial Wellness Programs help banking customers strengthen financial resiliency and achieve financial goals

Engage customer over an extended time frame

Leverage existing & acquired knowledge of the customer

Encourage habit-forming ongoing financial wellness behavior

PERSONETICS' AUTOMATED FINANCIAL WELLNESS PROGRAMS​

HAVE HELPED PEOPLE SAVE

$ US Dollars Since Launch

Covering a Wide Range of Financial Programs

Automated Savings

  • Strengthen customer’s financial security by automatically identifying pockets of available funds and transferring them to an appropriate savings account.

Pay Yourself First

  • Help customers safely save part of their income. The program identifies recurring income and transfers a safe portion of it according to an AI based risk strategy.

Smart Budgets

  • Helps target customers reduce monthly spending in specific categories by recommending smart targets and help to stay on track.

Begin To Invest

  • Help customers put aside money into tax advantaged savings accounts and automated advisory accounts. The program combines of smart recurring transfers and impulse savings recommendations. ​

Reduce Debt

  • Help customers pay-off high interest debt (e.g., credit card). The program provides automated transfers and impulse recommendations to prioritized credit account.

SEE IT IN ACTION

The Benefits of a Resilient Customer on the Bank
A Resilient Customer Has
The Benefits of a Resilient Customer on the Bank

Reduce Customer Anxiety and Secure a Better Financial Recovery

  • Higher Life Time Value
  • Greater Loyalty
  • Increased Product Adoption
  • Reduced Delinquency and Defaults
A Resilient Customer Has

  • 3-6 month Emergency Cushion​
  • Impactful Spending Management
  • Ability to Borrow
  • High Savings/Income Ratio

Reduce Customer Anxiety and Secure a Better Financial Recovery

  • Higher Life Time Value
  • Greater Loyalty
  • Increased Product Adoption
  • Reduced Delinquency and Defaults

  • 3-6 month Emergency Cushion​
  • Impactful Spending Management
  • Ability to Borrow
  • High Savings/Income Ratio

Optional Aggregation Links External Accounts For More Visibility

Open banking regulation gives customers the opportunity to centralize their banking activity and seamlessly move funds from one bank to another. By offering Financial Wellness Programs that allow customers to transfer funds between banks, customers ensure their funds are working for them while the bank increases its share of wallet.

Segment, Map, Invite Customer

Define Goals

Aggregate

Auto Transfer & Tracking

Nudge and Adjust

TRUSTED BY THE BEST

"MyState Bank is the first Australian bank to offer a holistic AI-driven banking solution with the launch of a new enhanced digital banking services including Personalized Insights and Auto-Savings Programs."
"Leveraging AI and technology to help figure out the ‘safe to save’ number puts people on the beginning of an automated plan to help build their savings over time."

Anand Talwar ,

Deposits and Consumer Strategy Executive

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""It’s a powerful feature", says Thabet. “Consumers tell us, ‘I have a hard time saving, my cash flow really can’t sustain it because I’m paying bills’.” But the AI shows that they can save and the bank does it for them."

Rami Thabet,

VP, Digital Product

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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.

New York

London

Tel Aviv

Singapore

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