“Banno Kernel enables financial institutions to leverage the way consumers interact with their business by delivering on the promise of true one-to-one marketing. Kernel positions the next best product to each individual consumer based on interest, across any channel. It exposes a modern web API for integration across all channels – online, mobile, ATM, e-statements and more. Through a real-time dashboard, financial institutions receive an exact picture of the next best product for each individual user. Kernel continues working the lead opportunity throughout any channel on which the user chooses to engage.”