Spend Personality

Transactions as Evidence of Human Behavior

Drive personalized interactions, tailor offers, and optimize engagement strategies. Ensure that your customers feel understood and valued with every interaction.

Unlock the Power of the Spend Personality Module!

Deliver personalized experiences by understanding your customers’ financial personalities.

The Spend Personality Module is a cutting-edge AI solution designed for financial institutions. By analyzing customer transactional data and spending patterns, this tool reveals actionable insights that enable businesses to deliver personalized services, recommendations, and financial products tailored to individual customer needs.

Solving Key Challenges

  • Difficulty segmenting customers accurately?
  • Low engagement rates from generic campaigns?
  • Trouble identifying customer needs and expectations?
  • High churn rates?

200+

Cases active and in production

5.2b

Client benefit achieved and growing

129%

Uplift using Spend Personality insights

Spend Personality in Action!

Transforming customer engagement with hyper-personalized interactions.
Personality-based messaging
Tailored offer recommendations
Product market fit insights
Cross+Up sell opportunities

Whether guiding users through apps, websites, or other digital channels, our personality-driven approach uses generative models to automatically create personalized recommendations and content in real time. This ensures that every interaction is dynamically tailored to each user’s behavior, enhancing engagement across all digital touchpoints.

Segment customers

intelligently based on unique transactional behaviors.

Personalize Services

by aligning offers with specific customer needs and habits.

Boost Engagement

with continuous real-time nudges and tailored recommendations

Increase revenue

opportunities by anticipating customer needs and timing.

Activate Spend Personality in the
Prediction Platform!

The first low-code environment to combine behavioral
social science with real-time machine learning.

The Spend Personality Module leverages the ecosystem.Ai Prediction Platform to deliver real-time predictions and insights. The platform combines behavioral social science with advanced AI/ML capabilities.

Understanding Spend Personality Scores

Each customer is assigned a unique Spend Personality Score, derived from their transactional and behavioral data. This score provides quantifiable insights into their spending habits, preferences, and potential future actions. By leveraging these scores, you can effectively segment your customer base and tailor your marketing and engagement strategies to meet specific needs.

Gain a clear, quantifiable view of customer spending behaviors through personalized scores.

Effectively segment customers using Spend Personality Scores for targeted engagement.

Tailor strategies based on detailed, behavior-driven insights from personality scores.

Dynamic Content Generation and Lookups

The Spend Personality Module includes a generative component that delivers personalized content tailored to each customer’s financial behavior. Whether it’s marketing messages, product recommendations, or financial advice, the algorithm ensures relevant, engaging communications.

Insightful Business Dashboards

View and monitor customer segmentation from your own big data
analyze elements of your data storytelling and visual analytics in real-time

Our intuitive dashboards provide a comprehensive view of customer spending personalities. Access detailed reports and visualizations highlighting key trends and opportunities, enabling data-driven decisions that enhance engagement and drive growth.

View detailed profiles of spending behaviors across your customer base.

Access clear, actionable insights to guide strategy and decision-making.

Make informed decisions with real-time data and comprehensive reports.

Money Personality

In addition to Spend Personality, the Module includes the algorithms to determine your customers’ Money Personality scores.

While Spend Personality is based on how your customers choose to use their cash, Money Personality is identified by analyzing financial habits, such as how people save, invest, or manage debt.

  • Doesn’t actively manage their finances and often incurs late fees or overdraft charges.

  • Prioritizes savings, careful budgeting, and focuses on essential expenses.

  • Tend to have higher credit card usage and may rely on installment plans.

  • Willing to take financial risks for high potential rewards.

  • Relies on credit for their lifestyle, accumulating debt through credit card use, loans, or other borrowing methods.

  • Plans and invests in secure financial products like insurance or low-risk investments.

Features that define Spend Personality

Continuously updates customer profiles with real-time transaction data for precise insights.

Refines recommendations by learning from customer feedback for personalized interactions.

Ensures secure financial data handling while delivering tailored recommendations.

Seamlessly integrates with current systems, enhancing functionality without major changes.

Provides flexible API access for customized solutions tailored to operational needs.

Supports both small and large financial institutions with scalable deployment.

Delivers personalized offers automatically based on spending behavior.

Uses AI to predict customer needs, enabling timely and relevant engagement.

Sends real-time alerts and nudges based on behavior, promoting optimal financial decisions.

Trusted by industry leaders