Create a user-friendly, seamless saving experience that takes the burden off your customers
Attract, retain, and grow deposits with goal-based savings
and automated journeys
Create a user-friendly, seamless saving experience that takes the burden off your customers
Deliver intelligent journeys, tailored to each customer’s needs, based on their financial activity and preferences
From invitation to ongoing recommendations and advice, support customers at every step of the way
Enable customers to easily set, manage and track multiple goals with an advanced funds allocation.
From invitation to ongoing advice - increase engagement and customer savings with hyper-personalized transfer recommendations based on cashflow, risk level, current & future financial needs.
Whether smart auto-save, pay-yourself-first, or manual transfers. Help customers grow their savings with multiple automated and semi-automated funding methods to choose from.
Customize the experience and cater to different segments, such as young adults, novice investors, or even minors.
Send customers personalized invitations and goal suggestions based on their financial activity and saving eligibility.
Enable customers to easily set and manage multiple goals within single or multiple accounts.
Let customers link internal or external accounts, via open banking, to fund their goals.
Accelerate customers’ savings with automated funding methods that identify ‘free cash’ and recommend transfers when it is ‘safe to save’.
Ensure customers stay on track with personalized summaries, saving recommendations, and nudges.
Avg. annual savings per customer
Savings accounts opening rate growth
Of savings transferred from external accounts
Adoption within first year
"Pay Yourself First solution helps customers build their savings by giving them intuitive insights about how best to do that, in a way that is personalized. We play proactive role with customers around driving financial confidence."
"The dollars really add up, and it shows you what’s possible. It helps people get started and maybe see an opportunity where they didn’t. It gives them a cushion where they need it most."
"It has led to a reduction of customer attrition (currently less than 2%, versus 7% to 8%, typical for banks in North America). We have found that AI is stellar at identifying money that can be automatically allocated to savings."
"What’s special about it is that the amount that’s being moved varies, from day to day. It moves and changes, according to the patterns and the movement of money in the transaction account, always leaving a sufficient balance to meet the need of that particular customer."
"The Personetics algo analyzes customers’ transactional behavior, expected incoming transactions, scheduled payments, etc., and then develops a ‘safe to save’ amount, that automatically moves money from their transactional account to a savings account."
"MyState’s data-driven ‘Insights’ capabilities and ‘Auto-Savings’ program developed with Personetics have produced resounding results for our customers."
"The results have exceeded our expectations. We’re tracking towards a 600% ROI, Return on Investment over 5-years (based on the accounts we’ve opened and balances we’ve grown). We’ve also seen customers making real progress against their savings goals."
Retain and attract deposits with smart automated savings journeys that help customers
achieve their financial goals.
