Personetics, a leader in AI-powered financial data intelligence, has announced that its cognitive banking platform is now embedded natively within Experience Digital (XD) from Fiserv. The integration provides banks and credit unions with an analytical layer to process user transaction data in real time, converting standard account balances into contextually driven advisory services.
The solution solves the problem of how mid-size banks have been failing in the past to effectively convert their extensive data into actions for each particular user. With the implementation of the predictive behavior algorithms in the Fiserv XD platform, the system automatically generates cash flow management reminders, saving suggestions, and working capital optimization information specifically for retail customers and small business owners. This localized data activation enables regional banking providers to boost customer retention, drive direct deposit growth, and capture greater wallet share within their existing technology frameworks.
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Highlighting the business value of transforming passive financial metrics into active customer touchpoints, Udi Ziv, CEO of Personetics, stated: “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, personalized digital experiences that can improve money management for consumers and help small businesses operate with greater confidence.”
Underscoring how the collaboration unifies product responsiveness with existing data assets, Vishal Dalal, Chief Product Officer of Fiserv, concluded: “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 personalized engagement that creates meaningful value for the consumers and businesses they serve.”