Personetics, the AI-driven cognitive banking platform provider, announced a strategic technology partnership with data network Plaid. The collaborative integration merges Plaid’s open finance connectivity infrastructure directly with Personetics’ artificial intelligence personalization engine, equipping banks and credit unions to aggregate cross-institutional account data, deepen customer engagement, and capture primary account status.
While financial institutions have historically lacked visibility into customer activity occurring outside their internal ledgers, this joint solution combines internal (“on-us”) transactional records with external data spanning held-away accounts, liabilities, and investments. By transforming fragmented multi-bank telemetry into real-time personalized recommendations, regional banks and credit unions can deliver targeted financial guidance directly within their existing mobile and digital banking portals.
Unifying Open Banking Data with Predictive Engagement
The pre-integrated solution streamlines technical implementation for financial institutions by consolidating data connectivity and AI personalization into a single operational deployment path. Through tools like Personetics’ Engagement Builder, bank marketing and product teams can rapidly create custom, needs-based financial health campaigns without building complex machine learning models in-house.
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Key functional capabilities of the combined platform include:
360-Degree Financial Visibility: Ingests transaction, liability, and asset data across all connected external institutions via Plaid’s secure open finance network.
Automated Next Best Actions: Evaluates unified customer profiles to surface timely recommendations, including fee reduction alerts, automated savings rules, and debt consolidation offers.
No-Code Campaign Customization: Enables bank administrators to build, test, and launch custom engagement triggers and personalized financial wellness journeys using Engagement Builder.
Deposit Retention & Account Primacy: Identifies flight-risk deposits and external cash flows, enabling financial institutions to offer competitive yield alternatives before capital leaves the ecosystem.
“Banks and credit unions have spent years trying to earn a bigger share of their customers’ financial lives, and open banking finally gives them a real way to do it,” said Udi Ziv, CEO of Personetics. “When we can bring in data from accounts a customer holds elsewhere, we can surface insights that reflect their full financial picture and help them take smarter action based on it, not just what’s sitting in one account. That’s what builds primacy over time, and it’s why we see this as such a natural fit with Plaid.”
“Financial institutions want to serve the whole customer via their own digital platforms. Historically, customers couldn’t stay within those platforms and get a 360º view of their finances through a purpose-built UX,” said Adam Yoxtheimer, Head of Partnerships at Plaid. “That’s why we are excited to partner with Personetics, who have designed experiences that live within those platforms, enabling financial institutions to identify opportunities and take action across their customers’ financial lives, not just what flows through a single account.”
Capitalizing on the Open Finance Landscape
By turning multi-account open banking data into contextual digital experiences, Personetics and Plaid enable retail banks to transition from passive transactional repositories into active financial partners. The solution empowers financial institutions of all sizes to protect their deposit base, increase lifetime customer value, and retain account primacy in an increasingly decentralized financial ecosystem.