Digital banking is won on engagement, not static balances. Embedded natively in Fiserv Experience Digital, Personetics turns transaction data into timely, personalized insights and action, no rip-and-replace required.
AI-powered Cognitive Banking, Built Directly into Fiserv Experience Digital
Digital banking is won on engagement, not static balances. Embedded natively in Fiserv Experience Digital, Personetics turns transaction data into timely, personalized insights and action, no rip-and-replace required.
Personetics is the Cognitive Banking Platform, now embedded natively within Fiserv Experience Digital. It maintains one shared financial context for each account holder, built from their real financial activity. That context powers personalized insights, financial trackers, goal-based saving journeys, and contextual guidance, delivered inside the digital banking experience every XD financial institution already runs. Every XD bank or credit union gets Essentials from day one at no cost. Select unlocks the full platform and the measurable bank outcomes that follow.
Every Fiserv Experience Digital financial institution is auto-enrolled in Essentials from day one, with approximately 3-4 curated insights and two core financial trackers, at no cost. Essentials tells customers what happened. Select adds what’s coming and what to do about it: the full insight catalog, all seven trackers, calls to action, product cross-sell, and the Engagement Builder on Create Digital, so banks can design and launch their own custom insights and journeys without code. Essentials builds the engagement data. That data funds the Select conversation.
Personetics turns engagement into measurable bank outcomes. Across live deployments, banks see a 22% increase in AUM from customers acting on insights within one quarter of launch, a 20% increase in deposit balances in a quarter, 2% attrition versus an industry benchmark of 7 to 8%, a 30% decrease in dispute-related calls, a +7-point NPS lift, and a 30% engagement rate after three months. The intelligence is personal because it is built from each account holder’s real financial activity, not demographic segments or generic AI models. It runs natively on the platform you already own.
