- 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.