Personetics: The Cognitive Banking Platform
AI-powered customer experiences that turn financial data into action-driven customer journeys.
Embedded within Fiserv’s digital banking ecosystem, Personetics helps financial institutions transform transaction data into intelligence, delivering timely insights, contextual offers and automated saving journeys across digital banking experiences.
| Personalized insights Drive engagement and sales with actionable insights based on each customer’s financial activity. Translate financial data into contextual guidance, offers and journeys that help customers understand their finances, take action and build stronger digital banking relationships. |
| Financial trackers Help customers manage daily finances with proactive guidance on expenses, income, cash flow, subscriptions and projected activity. Give them clearer visibility into their financial lives so they can better understand, manage and improve day-to-day money decisions. |
| Goal-based savings Encourage customers to grow their savings and achieve financial goals with personalized goal invitations, insights, recommendations and ongoing progress tracking. Use each customer’s financial data and activity to support more relevant savings guidance and action-driven journeys. |
| Automated savings Empower customers to grow savings with automated money transfer programs based on preferences, cash flow, risk level and financial needs. Support habits like Smart Save, Pay-Yourself-First and Round Up to help drive retention and deposit growth. |
| Small business guidance Help business accounts manage cash flow, forecast needs, plan reserves and act on growth opportunities with SMB-specific insights and journeys. Turn business financial activity into timely guidance that supports better planning and stronger digital engagement. |
| Configurable experiences Create and customize bank insights, trackers, visuals, logic and user journeys with flexible design configuration options. Use the no-code admin console, configurable UI/UX and interactive SDK to match your brand without code or analytical expertise. |
Not only have we surpassed our return on investment, but the outcomes demonstrate that customers really do love this.
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