Personetics, the cognitive banking platform, has been embedded within Experience Digital (XD) from Fiserv, giving banks and credit unions additional ways to provide more personalised digital experiences to customers and members.
The addition allows financial institutions to use data in real time inside the digital banking environment, offering prompts, guidance and offers through XD.
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For retail users, this is meant to provide added help with cash-flow management, saving and financial decision-making.
For smaller businesses, the tools are intended to support working-capital management, help forecast needs and improve responses to changing conditions.
Personetics technology integrated into XD, banks and credit unions can detect moments and respond with contextual interactions, including financial guidance, recommendations and offers.
Fiserv chief product officer Vishal Dalal said: “Consumers and small businesses increasingly expect digital banking experiences that are intuitive and responsive. With this collaboration, our clients can use the data they already have to deliver timely guidance and personalised engagement that creates meaningful value for the consumers and businesses they serve.”
Personetics CEO Udi Ziv commented: “Financial institutions have no shortage of data, but many still struggle to translate that information into timely, relevant action.
“By embedding Personetics within Experience Digital, Fiserv is helping banks and credit unions deliver more human, personalised digital experiences that can improve money management for consumers and help small businesses operate with greater confidence.”
