Personetics
Personetics was founded in 2010 in New York, US, to offer a predictive interaction solution for financial institutions to deliver personalized customer experiences across online, mobile and tablet platforms. The solution comes pre-loaded with a comprehensive library of banking-specific predictions and solutions and leverages a real-time analytics engine to accurately predict the customer intent.
Personetics gives financial institutions the power to convert passive digital adopters into active digital users while improving their overall customer experience and reducing operational costs for the institution.
Cyberbank integrates Personetics to deliver data cleansing, categorization and aggregation capabilities, in addition to personalized insights for the financial management of each user, enhancing the financial knowledge of each customer.
The integration of Cyberbank and Personetics makes it possible to:
- Cleanse, categorize and aggregate data from other banks in one environment, visualizing each customer’s account through the digital channel solution of Cyberbank Digital.
- Generate customized insights for each customer, through which financial solutions are offered according to the context of each user.
Main Benefits:
- Each user of the financial institution will be able to keep control of their finances, unifying the visualization of their accounts in the same environment and through all the channels they need.
- Improve the quality of life of clients by providing them with the means to achieve financial stability, using key insights and advice based on the behavior of each user. Cyberbank and Personetics are responsible for taking the banking experience to the next level.
- Personetics’ self-adaptation, automation and financial wellness programs, in conjunction with Cyberbank, help customers achieve long-term financial goals. Customers achieve financial resilience by adopting financial wellness behavior that becomes habitual over an extended period of time.
Key Features:
- Present real-time insights that forecast customer balances, monitor transactions, and proactively highlight important events to increase customer engagement by 50%.
- Provide relevant and timely personalized recommendations for savings, loans, and investment options that generate double digit response rates.
- Create new targeted messages and offers based on individual spending patterns and cash-flow needs in a matter of hours.
- Offer AI-based money management programs—such as automated savings—generating 10-20% sales and balance growth.
Personetics enables:
Real-time data standardization:
- Industry-leading automated categorization model.
- Enrich transaction data for an accurate cross-selling targeting.
- Automated mapping and normalization of multiple internal and external data sources for consistent, cross-channel customer experiences.
- AI-based, enhanced data cleansing and enrichment models for transaction descriptions, including merchant name, logo, location, subscriptions, and more.
- Self-learning models ensure real-time data enrichment invocation.
- Business-level controls enable owners to align logic with features and business objectives.
- Marketing ROI-oriented ability to deeply know and micro-target customers.