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Retail banking
From one offer for everyone to one customer at a time
Retail banks still run on broad segments and standard products. Digital channels widened their reach, but most customers still get the same savings account, the same card offer, and the same advice, whatever their situation.
AI changes the unit of work from the segment to the customer. Predictive models spot what each customer needs before they ask. Generative AI turns that into guidance a customer can act on. Agents carry a journey from application to approval without handing it back to a person at every step. You serve millions of customers the way a private banker serves one, on infrastructure you control.
9 use cases
Account opening and card issuingAI models that predict which account or card fits each applicant, check credit risk in real time and flag likely drop-off during digital onboarding.Buy now, pay later (BNPL) credit riskMachine learning scores buy now, pay later applicants at checkout using bureau and alternative data, sets an affordable limit, and explains every decision.Call center optimizationCall center optimization uses predictive and generative models to classify every contact, suggest the resolution, and flag callers most likely to leave.Credit scoring and fair lendingAI credit scoring uses machine learning to predict how likely a borrower is to repay, from bureau data and from alternative data when the credit file is thin.Customer churn prediction for banksAI customer churn prediction scores each bank customer's risk of leaving, so your retention team can act while the relationship can still be saved.Debt repayment and prepayment riskMachine learning predicts whether each borrower will repay on schedule, prepay early, fall behind or default, so lenders can offer the right option.Home loan credit risk assessment assistantA home loan credit risk assessment assistant applies your credit risk framework to an applicant's details and drafts a risk rating for an analyst to review.Loan amount predictionAI loan amount prediction estimates what each applicant can request or qualify for from your loan history, to size the offer before they apply elsewhere.Product recommendations and propensity to buyAI product recommendations predict which banking product each customer is likely to need next and how likely they are to take it up, so offers fit.
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