Personetics

Personetics is a cognitive banking platform that banks embed in their digital channels to deliver personalized financial guidance. It analyzes each customer's transaction data to surface timely insights, recommendations and savings opportunities, then turns those insights into actions the customer can take inside the banking app, such as setting a goal, moving money or responding to an offer. It is sold to retail banks and credit unions, from regional institutions to global groups, and is delivered as SaaS. The platform is organized into an Engage Suite, a Banking Console, an Enterprise Studio, a Cognitive Engine, a Compliance Framework and the underlying infrastructure. Engage Suite provides proactive guidance on expenses, income, cash flow, subscriptions and upcoming activity, financial trackers, contextual recommendations and offers, and savings journeys with automated programs such as Smart Save, Pay Yourself First and Round Up. Banks build and customize their own insights, trackers, visuals and journeys through a no code tool, and integrations with Atomic, Fiserv, Plaid and Q2 shorten deployment inside existing digital banking stacks. The site is published in English, Italian, Portuguese, Spanish, Japanese, French and German. Pricing is not published. Personetics sells through enterprise agreements with financial institutions, and the route to a proposal is a demo request.