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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
It’s Monday again, which means it’s time for another look at the weekly fintech news. So far this week, there’s a spike in business banking news. Here’s a look at what else is trending. We’ll continue to add more announcements as the week progresses.
BinancelaunchesBinance Agent OS, a developer platform built as part of Binance Intelligence.
Credit union technology
Member Driven Technologies (MDT) partners with AI development and consulting firm OnTrac AI to extend MDT’s Transcormational Consulting capabilities with deeper AI readiness, strategy, and implementation expertise.
Open finance
Personetics and Plaidteam up to help banks secure a broader view of customers’ financial lives and enhance personalization efforts.
Fiserv has embedded Personetics’ AI platform into Experience Digital (XD).
The integration will help banks deliver real-time, personalized financial guidance to consumers and small businesses.
The move reflects the shift of AI from a standalone fintech tool to core digital banking infrastructure.
Banking and commerce technology provider Fiserv and cognitive banking platform Personetics are joining forces today. Fiserv has embedded Personetics’ platform within its Experience Digital (XD), a tool that gives banks and credit unions a new way to offer more personalized experiences to end users.
Embedding Personetics’ AI platform directly into Fiserv’s digital banking experience will allow Fiserv’s bank clients to act on data in real time, offering them the ability to deliver timely prompts, contextual guidance, and relevant offers within XD. The new capabilities will help end consumers manage their cash flow, build their savings, and make more informed financial decisions. It will offer small business users the ability to better manage working capital, anticipate needs, and respond more quickly to changes in their business.
“Financial institutions have no shortage of data, but many still struggle to translate that information into timely, relevant action,” said Personetics CEO Udi Ziv. “By embedding Personetics within Experience Digital, Fiserv is helping banks and credit unions deliver more human, personalized digital experiences that can improve money management for consumers and help small businesses operate with greater confidence.”
Personetics was founded in 2010 to bring cognitive banking tools to banks. The company sets itself apart with its AI-driven insights that help banks become a trusted advisor to their customers by bringing them personalized financial guidance. Personetics, a long-standing pioneer in AI-powered financial wellness, serves 150 million bank customers across 24 global markets each month.
Fiserv launched its XD platform in 2023 as the evolution of its digital banking offerings, bringing together account opening, money management, payments, small business banking, and fintech integrations in a unified digital experience. Natively embedding Personetics’ tools into XD will enable banks to create a more intuitive and relevant digital banking experience.
The move comes at a time when consumers are increasingly turning to AI-powered tools for financial guidance. Increasingly, fintechs and banks are adding AI-powered financial guidance as a built-in capability rather than an optional add-on. Embedding Personetics directly into XD will allow Fiserv to lower implementation barriers for clients, enabling banks to bring AI-driven money management tools to market more quickly.
“Consumers and small businesses increasingly expect digital banking experiences that are intuitive and responsive,” said Fiserv Chief Product Officer Vishal Dalal. “With this collaboration, our clients can use the data they already have to deliver timely guidance and personalized engagement that creates meaningful value for the consumers and businesses they serve.”
The announcement illustrates how AI is shifting from a standalone feature to core digital banking infrastructure. Rather than asking banks to select and integrate their own AI tools, platform providers like Fiserv are increasingly embedding those capabilities directly into their products, making advanced financial guidance accessible to a broader range of institutions.
Cognitive Banking Platform Personetics and embedded financial connectivity specialist Atomic recently announced a new partnership. The two companies will deliver a native, end-to-end solution for contextual direct deposit and billpay switching that sits within the digital banking experience. The new capability will enable banks to use transaction intelligence to identify the right customers and financial moments and then design, trigger, execute, and measure switching journeys within a single platform. Translating intelligence into action and action into meaningful outcomes, the integration of Atomic will expand the capabilities of the Personetics platform to include embedded, context-driven switching journeys that boost both deposit growth and share of wallet.
“By partnering with Personetics, we’re enabling banks to bring highly relevant, real-time insights into everyday banking experiences, and seamlessly turn those insights into financial action,” Atomic Co-founder and CEO Jordan Wright said. “Together, we help banks deepen relationships while delivering measurable business outcomes.”
The goal of the Personetics/Atomic partnership is to empower banks to avoid the kind of gaps that can occur with existing deposit switching solutions. In a statement, the companies noted that many current options lack the context required in order to engage the right customers at the right moment, instead delivering generic, fragmented campaigns. These solutions also often suffer from reliance on disconnected tools that add friction and make conversions more challenging. Furthermore, this makes it harder for banks to understand the connection between switching initiatives and measurable business outcomes. In contrast, the collaboration between Personetics and Atomic closes these gaps by combining transaction intelligence with seamless execution and closed-loop measurement in a single platform.
“Atomic’s capabilities are a natural fit with our Cognitive Banking vision and our open platform roadmap, enabling banks to move beyond insights to deliver contextual financial actions that drive measurable business outcomes,” Personetics CEO Udi Ziv said.
Atomic made its Finovate debut at FinovateFall 2021 and most recently demoed its technology at FinovateSpring 2024. At FinovateSpring, the Salt Lake City, Utah-based fintech demonstrated how its PayLink solution simplifies subscription management by enabling users to manage their recurring payments and subscriptions from within their preferred bank or financial institution. Founded in 2019, Atomic enables financial institutions to offer a range of next-generation banking products including subscription management, direct deposit switching, payment switching, and bill optimization.
Founded in 2010 and headquartered in New York, Personetics most recently demoed its technology at FinovateFall 2016. The company’s Cognitive Banking Platform empowers banks to leverage data to respond swiftly and dynamically to customer needs. The platform provides relevant and timely insights that help consumers make smarter decisions to achieve financial wellness and reach their goals. Designed to help financial institutions boost customer engagement and sales, grow and retain deposits, support small businesses, and convert transaction data into insights and action, Personetics’ technology is used by banks and financial institutions in 35 markets around the world, supporting 150 million active monthly users.
Welcome to Q2! We’re looking forward to first-looks at how fintechs are faring in 2026, especially with regard to investment trends. For now, we’re seeing new C-suite leadership in digital banking, partnerships in insurtech, and a new fintech that is leveraging stablecoins for cross-border payments. Be sure to check back here at Finovate’s Fintech Rundown in the days to come for the latest fintech news headlines.
Lush UK to deployQuadient’s accounts payable (AP) automation software to enhance its finance operations.
Derivative Pathdelivers FX payments solution powered by Wells Fargo’s FX Payment Solutions and connected through Jack Henry’s Treasury Management platform.
ASN Bank chooses core banking platform provider Ohpen as its new strategic technology partner to enhance its mortgage operations.
Fraud prevention
Marqetaenhances its Real-Time Decisioning (RTD) offering with an AI-powered risk score that analyzes transaction risk levels.
Finovate Best of Show winner 1Kosmosannounces that its platform has secured Department of War (DoW) Impact Level 4 (IL4) authorization.
iDenfy and 5 Star Jets team up to integrate identity verification and AML screening into the aviation company’s payment verification process for both fiat and cryptocurrencies.
KeyBank has partnered with Personetics to integrate AI-driven financial wellness tools that offer real-time, personalized advice based on customers’ spending.
The bank will use Personetics’ Engage platform to deliver insights that help users make smarter financial decisions.
The move will help boost engagement and foster long-term customer loyalty.
KeyBankannounced this morning that it has partnered with Personetics to bring financial wellness to its customers. The Ohio-based bank will leverage Personetics’ Cognitive Banking platform, which analyzes consumer transactions and delivers advice.
Specifically, KeyBank will use Personetics’ Engage, a client experience that offers customers spending insights and recommendations based on their spending and savings habits.
KeyBank will implement Personetics’ Engage solution, which uses AI to deliver real-time, personalized insights based on customers’ spending and saving patterns. By identifying trends and anticipating future needs, Engage offers timely, actionable advice to help users make smarter financial decisions and reach their goals in order to transform the banking experience from transactional to advisory.
By embedding Personetics’ cognitive banking tools into its digital offering, KeyBank will help improve customer engagement, reduce attrition, and create new revenue opportunities through better financial outcomes.
“KeyBank’s mission is to help clients and communities thrive. A large part of that mission centers in helping clients move forward on their financial journeys and reach their financial goals,” said KeyBank Head of Consumer Digital Emily Gessner. “By leveraging Personetics’ platform and experience, we will address the financial burden and stress consumers face by empowering our clients with real-time insights and guidance to help them effectively manage their financial futures.”
KeyBank was founded in 1825 and has 1,000 branches across the US. The bank has acquired AQN Strategies, HelloWallet, First Niagara Financial Group, EverTrust Financial Group, Leasetec, and most recently BaaS provider XUP. Among the company’s strategic partners are AvidXchange, BillTrust, and Bill.com.
Headquartered in New York, and with offices in London, Tel Aviv, and Singapore, Personetics counts more than 150 million bank customers across the globe. The fintech was founded in 2010 and strives to help banks create “self-driving finance” experiences for its customers. Under this concept, banks leverage AI to proactively act on behalf of their clients to help them achieve their financial goals.
“This partnership isn’t just about innovation—it’s about using intelligent technology to forge deeper human relationships between banks and the people they serve,” said Personetics CEO Udi Ziv. “Cognitive Banking redefines how banks understand and support their customers and, as a result, fosters customer loyalty.”
Happy Monday! If you need to step away from the fintech news to finish your income taxes this week, then don’t worry. Finovate’s Fintech Rundown will be here when you get back to make sure you’re informed and updated on the latest in fintech and financial services news.
Digital banking
Zions Bancorporation selectsnCino as its technology platform.
Personetics unveiled a number of new features for its AI-powered flagship solution, Personetics Engage, this week.
The new features will help financial institutions build personalized digital experiences that encourage their customers to better manage their financial lives.
Headquartered in New York, Personetics made its Finovate debut at FinovateEurope 2016 in London.
Personeticsannounced a range of new features for its AI-powered flagship solution, Personetics Engage, this week. The new features are designed to help financial institutions create personalized digital experiences for their customers that empower and motivate them to better manage their finances.
“Financial institutions today need solutions that go beyond basic personalization and static insights,” Personetics Chief Product Officer Ron Agam said. “These new capabilities advance our mission of providing banks with a platform that dynamically responds to their customers’ changing financial needs, making them smarter about their money and motivated to act.”
The new features include an Activity Tracker that customers can use to see their spending, income, and cash flow for up to 12 months. This interactive overview gives customers enhanced visibility into their financial status, helping them track and manage their finances across multiple accounts from a single location. Personetics also introduced a Financial Recap feature that provides customers with an Instagram-like summary of their spending over the past seven days. The feature not only lists top merchants and categories of spending but also gives users a seven-day forecast of their projected cash balance and activities. Financial Recap helps contextualize spending for customers, making it easy to spot spending trends.
Personetics Engage will also now be equipped with Bank and User Categorization Control. This enables banks to manage transaction categorization mapping to improve accuracy. Institutions can review, recategorize, and rename categories — as well as create their own unique category designations. Customers also have the ability to recategorize transactions, increasing personalization and providing valuable feedback for their bank.
Personetics has also introduced a new level of interactive engagement between banks and customers courtesy of Custom User Journeys. This feature enables banks to build targeted, dynamic flows that collect customer preferences and adapt in real-time. These dynamic flows provide personalized financial guidance, as well as product recommendations that are based on direct customer input. To enhance engagement, the system uses customizable and interactive insights, questionnaires, and teasers..
“With these innovations, banks can move beyond static insights and truly monetize financial wellness,” Personetics VP of Strategy and Business Development Dorel Blitz noted on the company’s LinkedIn page, “inspiring customers to take action while driving meaningful business value.”
Personetics made its Finovate debut at FinovateEurope 2016 in London. Founded in 2011 and headquartered in New York, the company provides money management and personal financial management (PFM) solutions for banks and other financial institutions. Personetics’ technology leverages AI and its financial-data-driven platform to help FIs enhance customer engagement and boost revenue. Today, Personetics serves more than 135 million bank customers around the world, and includes six of the top 12 banks in North America and Europe as customers.
Vietnam Technological and Commercial Joint Stock Bank, also known as Techcombank, has tapped data-driven personalization expertPersonetics to facilitate AI-powered money management capabilities for its clients.
Techcombank is leveraging the partnership to help promote financial wellness among its nearly 11 million customers. Personetics’ expertise in providing personalized banking experiences will bring the bank’s customers personalized, automated money management capabilities. For example, Personetics will help Techcombank analyze customers’ financial transactions, aggregate bank accounts, and provide valuable insights about unexpected payments, excessive spending, and insufficient account balances. As a result, customers will receive tailored suggestions on savings, asset growth, and card usage to help achieve their goals.
“At Techcombank, our mission is to revolutionize the way our customers manage their finances to achieve more in life,” said Techcombank Chief Digital Officer Pranav Seth. “We believe that data-led insights and personalized financial solutions are the key to unlocking true financial wellness and will enable our customers to make smarter financial decisions that align with their unique goals and challenges. From identifying new savings opportunities to proactively monitoring spend, our ultimate goal is to empower our customers with unprecedented convenience and control. Our partnership with Personetics marks a significant milestone in our long-term vision of enhancing our customers’ lives by making banking hyper-personal to each and every customer.”
Techcombank has already undergone a beta testing period with Personetics that included 10,000 end customers. After three weeks, the bank saw savings balances increase 9%, had average log-in rates increase from 14.2 times per month to 77.3 times per month, experienced a 43.7% increase in installments volume, and a 32% increase in total installment value.
Headquartered in New York, and with offices in London, Tel Aviv, and Singapore, Personetics counts more than 135 million bank customers across the globe. The fintech was founded in 2010 and strives to help banks create “self-driving finance” experiences for its customers. Under this concept, banks leverage AI to proactively act on behalf of their clients to help them achieve their financial goals.
Last November United Overseas Bank tapped Personetics for its Auto-Save feature that finds “safe-to-save” funds by analyzing a user’s spending habits over time. The fintech partnered with sustainability-as-a-service company Ecolytiq after Earth Day last year to launch Sustainability Insights, a tool that analyzes consumers spending to show them the carbon emissions of their spending and investments.
An alum of FinovateFall 2016, Personetics has raised $178 million from investors including Thoma Bravo, Warburg Pincus, Lightspeed Venture Partners, and more. David Sosna is CEO.
Personetics launched its Sustainability Insights solution this week, giving consumers visibility into the carbon emissions of their spending and investments.
The new offering is made possible thanks to a partnership with sustainability-as-a-service company ecolytiq.
The launch of Sustainability Insights comes less than a month after the company introduced new proactive cash flow management functionality on its platform.
Financial data-driven personalization innovator Personetics announced the launch of a new offering, Sustainability Insights, to help financial institutions respond to consumer demand – and increasing expectations from regulators — for sustainable, environmentally-responsible, climate-aware finance. The new solution has been made possible courtesy of Personetics’ partnership with sustainability-as-a-service company ecolytiq, and will enable customers to see their own carbon footprint, as well as suggest ways they can reduce the impact of their transactions on the climate by pursuing greener spending options and financial objectives that are support climate sustainability.
“Personetics Sustainability Insights are the next evolution in sustainable finance,” Personetics CEO David Sosna said. “Beyond just showing back customers their carbon footprint, we offer them specific actions that they can take today to reduce their carbon impact, choose climate-friendly savings goals, and push the industry in a greener direction.”
Sustainability Insights offers consumers a personalized, holistic “financial map” that graphically shows the carbon emissions of customer spending and/or investments. The solution also offers personalized insights and advice, tailored to the customer’s financial profile, to help them reduce those carbon emissions. The recommendations range from the more modest, for example, transacting with a different, more eco-conscious merchant, to the more comprehensive, such as setting up a savings plan to pay for the installation of solar panels on a home. Sustainability Insights also leverages quizzes and feedback insights to enhance the accuracy of its recommendations. In a statement, Personetics noted that the solution is based on the company’s “four pillars of sustainable finance” strategy; namely, that the technology be integrated, relatable, interactive, and actionable.
Sustainability Insights is also designed to have benefits for banks and financial institutions, as well as for their customers. For one, Sosna highlighted the ability of the solution to improve customer engagement, and open up new opportunities for cross-selling. “This will create deeper relationships with banking customers and ultimately support banks’ ESG reporting,” Sosna explained. “Every financial institution can be a leader in green banking with Sustainability Insights.”
A Finovate alum since 2016, Personetics serves more than 80 financial institutions in 30 global markets, and reaches 120 million customers. An innovator in the field of financial data-driven personalization, customer engagement, and advanced money management capabilities for financial services, Personetics is dedicated to what it calls “the future of self-driving finance” in which banks are able to serve their customers’ financial wellness needs proactively.
Speaking of which, earlier this month Personetics introduced new “proactive cash flow management” capabilities on its platform. The offering is geared toward helping mitigate liquidity issues that customers face that often lead to overdrafts. Proactive cash flow management predicts 70% of overdraft situations, reduces the frequency of low balance incidents, provides personalized recommendations to help fix overdrafts, and helps enhance customer relationships with their financial institution, leading to higher customer lifetime value (CLV).
“Progressive banks all over the world are seeking new ways to help customers with their money management,” Jody Bhagat, President of Americas at Personetics, said when the cash flow management capabilities were launched. “By adopting a data-driven, personalized approach, banks can unleash their creativity in delivering tailored solutions and treatments that put customers’ financial wellness at the center of the experience.”
This week’s Finovate Global will take a look at some news from a pair of European alums that are expanding into new markets and collaborating with fellow fintechs.
First up is Finland’s ReceiptHero, which announced this week that it has launched operations in Switzerland. The launch is part of a multi-party collaboration with Noerdkantine – which refers to itself as a “charming and diverse event location with probably the most beautiful roof garden in Zurich – along with the business’ POS provider, TC POS, and its card payment provider Worldline. Noerdkantine is the first international merchant to take advantage of ReceiptHero’s services.
“This has been a fifteen-month process in the making,” ReceiptHero Country Manager, DACH, Mikko Rieger said. “We’re excited to have finally got the core platform now setup in Switzerland and we’re ready to onboard merchants.” Added Christian Mattle, Managing Director of Zucchetti Switzerland SA, the company behind TC POS: “We’re happy to be part of this milestone for ReceiptHero and we’re excited to support with rolling out the service towards our other Swiss merchants.”
Founded in 2019 and making its Finovate debut in Berlin, Germany at FinovateEurope a year later, ReceiptHero enables digital receipts from merchants to be delivered directly to customer banking and accounting apps. On a mission to “banish the paper receipt” and replace it with an alternative that adds value to purchases while putting a premium on privacy, ReceiptHero is building a digital ecosystem for receipts that benefits both business and individual consumers. Courtesy of ReceiptHero’s API platform, customers get the same data available on a paper receipt, including tax amounts, company information, and product level data. Individual customers benefit from having more enriched transaction data imported directly into their banking apps, which enhances the ability of features like budgeting to give users more accurate spending insights.
Importantly, the inclusion of international digital payment and transactional service company Worldline will make it easier for ReceiptHero to secure additional partnerships in Switzerland as well as throughout Europe.
“It’s been a long time coming, but it’s great that we now have ReceiptHero up and running,” Worldline Head of Partner Management Daniel Wirthlin said. “We look forward to being part of the sustainability journey and support our partner ReceiptHero to provide real and add-on value to merchants based on their existing terminal infrastructure in the DACH region.”
Next up is news from Latvian fintech Nordigen, which most recently appeared on the Finovate stage at FinovateEurope 2019 in London. The company leverages open banking and its account data analytics technology to help banks and lenders make faster, more accurate credit decisions. Offering account-based income verification, transaction categorization, and behavioral scoring solutions in 13 countries, Nordigen announced a pair of partnerships this week that underscore how its technology can benefit a variety of fintechs and financial services companies.
Early in the week, Nordigen announced that it was teaming up with SME lending platform Spotcap. The Lending-as-a-Service provider will use Nordigen’s technology – specifically the company’s access to financial transactions and enhanced credit reports – to make more thorough analysis of borrower finances en route to better credit decisioning.
“With Nordigen’s API, Spotcap can securely and quickly gather customer data to enhance existing products,” Spotcap SVP of Technology Viktor Kocherga said. “We share a joint purpose, to create convenient and comprehensive services using data, and Nordigen has the necessary tools to help us achieve this.”
Later in the week, Nordigen announced that it was also partnering with personal finance management app Everst. The two companies will collaborate to enable Everst to provide its users with a comprehensive financial overview that includes transactional data. Everst founder and CEO Felix Goosmann referred to Nordigen as “the perfect partner” in its goal of “challeng(ing) that status quo of personal finance management.” He added that the two companies “share a common goal of broader access to open banking.”
Available on both iOS and Android, Everst’s app includes a multi-currency dashboard, and the ability to connect multiple accounts from up to 2,000 banks and fintechs.
“Through the use of integrated PSD2-regulated APIs, Nordigen safely provides Everst with the necessary open banking data for their app,” Nordigen CEO and co-founder Rolands Mesters said. “Our account information services supply the application with crucial financial information needed for automation and an excellent overall user experience.”
Nordigen was founded in 2016, and is headquartered in Riga. In addition to its partnerships with Spotcap and Everst, the company also has teamed up this year with Denmark-based Buy Now Pay Later company Anyday and accounting solution provider CH Konsultatsioonid which serves customers in Estonia, Finland, and Lithuania. Nordigen has raised $4.2 million in funding from investors including Black Pearls VC, Inventure, Change Ventures, and Seedcamp.
FinovateEurope 2022 is right around the corner. If you are an innovative fintech company with new technology to show, then there’s no better time than now and no better forum than FinovateEurope. To learn more about how to demo your latest innovation at FinovateEurope 2022 in London, March 22-23, visit our FinovateEurope hub today!
Here is our look at fintech innovation around the world.
Leading Hong Kong-based virtual bank ZA Bank earned a Type 1 SFC license to deal in securities, the first financial institution of its kind in the territory to do so.
Courtesy of an investment from Thoma Bravo, personalization and customer-engagement solution provider for financial services companies Personetics has raised $85 million in growth funding. Updated valuation information was not disclosed.
Calling data-driven personalization and customer engagement “the battleground for financial institutions” worldwide, Personetics CEO and co-founder David Sosna said that banks and financial services providers are rightly moving toward a more proactive relationship with their customers. “Personetics provides financial institutions with the most comprehensive engagement platform on the market, enabling agility and differentiation with an agile delivery for quick business impact,” Sosna said.
Personetics’ technology boosts customer engagement by analyzing financial data in real-time, learning financial behaviors, anticipating needs, and then acting on the user’s behalf. The company’s enriched data, actionable insights, financial advice, and automated wellness solutions can be used by retail banks, small businesses, wealth management firms and others to increase digital customer engagement by as much as 35%, account and balance growth of 20%, and realize gains of 17% in the adoption of personalized recommendations and advice.
Making its Finovate debut in 2016 at FinovateEurope in London, Personetics raised more than $160 million in funding last year from investors including Viola Ventures, Lightspeed Ventures, Sequoia Capital, Nyca Partners, and Warburg Pincus. In the fall of 2021, the company announced a partnership with Europe-based financial services group KBC to increase customer engagement on the firm’s mobile app. Last spring, Personetics unveiled its patented, automated cash-flow based savings solution – Pay Yourself First – which has been integrated into U.S. Bank’s mobile app. Note that U.S. Bank won Best Customer Experience at the Finovate awards in 2019 for its mobile banking technology.
“Personetics’ PYF intelligent algorithms take the guesswork out of setting money aside for saving or investing and acts on behalf of customers,” Personetics President for Americas Jody Bhagat said. “It’s another example of how Personetics is helping financial institutions deliver hyper-personalized solutions for their customers, and bringing to reality its vision of Self-Driving Finance.”
In a round led by Warburg Pincus, data-driven personalization and customer engagement solution provider Personeticshas raised $75 million in new funding. The round brings the company’s total funding to $93 million.
“The financial services industry is reaching a tipping point in mobile adoption and setting a new standard in Smart Personalized Engagement,” Personetics CEO and co-founder Davis Sosna explained. “Personetics has set out down this path and has launched its vision of Self-Driving Finance. We are looking to quickly expand our global footprint with new partners and clients, and support our existing customers with innovative business solutions. We are very excited to be partnering with Warburg Pincus on this journey.”
Personetics teams up with banks and other financial institutions to help them better engage their customers, and to make it easier for them to understand and make the financial decisions they need to improve their lives. The company’s automated financial wellness programs help users reach long-term financial goals by leveraging technologies like AI-driven chatbots to provide personalized, relevant, and timely financial advice and recommendations.
A Finovate alum since 2016, Personetics customers include leading global banks such as U.S. Bank in the U.S., RBC in Canada, Metro Bank in the U.K., UOB in Singapore, and MUFG in Japan. More than 95 million bank customers around the world are using solutions and services enhanced by Personetics’ technology; the company claims its customers are recognizing gains of as much as 35% in their mobile app engagement and a 20% increase in customer account and balance growth.
Last fall, the company announced a partnership with Santander UK to leverage AI-driven personalized insights to boost engagement and enhance the customer digital experience. Together, the two firms launched a new digital solution called My Money Manager that offers cash flow analysis, payment reminders, and other personalized financial insights. In August, Personetics teamed up with Israel-based Discount Bank to launch its auto savings solution, Smart Save.
