Real-Time Hyper-Personalization Built for Financial Services

Deliver compliant, contexual next-best actions by evaluating live customer and transaction signals across core banking and digital channels — not yesterday’s batch data.

Activate consistent, real-time engagement across digital, advisor, branch, and contact center workflows without duplicating sensitive data or creating data silos.

Make personalized decisions during live financial interactions

Increase conversion, cross-sell, and product activation in real time

Trigger next-best actions in the moment that matter

Why Real-Time Personalization Matters in Financial Services

Financial decisions now happen in milliseconds. Payments are authorized instantly, trades execute in real time, and customers move quickly across digital channels.

When personalization is driven by batch data or siloed systems, engagement decisions don’t reflect live account activity, transaction history, or evolving risk conditions.

Leading institutions are moving from batch-driven segmentation to a real-time, event-driven personalization foundation. One that evaluates financial signals as they occur and enables governed engagement across all financial workflows.

Reference Architecture

How It Works

Hyper-personalization in financial services is powered by a real-time Customer 360° foundation.

Customer, account, and transaction events are continuously streamed from core banking systems, payment processors, lending platforms, trading systems, and digital channels into a governed event backbone.

Customer personalization logic operates on these live events, enabling consistent next best actions across digital banking, advisor workstations, branch systems, and contact centers without relying on overnight batch updates.

Governance and policy enforcement are applied at each data layer to ensure decisions remain transparent, auditable, and compliant in regulated environments.

Stream live financial signals

Continuously capture real-time events from core banking platforms, payment processors, loan systems, trading platforms, CRM systems, and digital/mobile applications to build a unified, real-time view of customer activity.

Evaluate customer state in motion

Connect identity, transaction history, customer activity, and engagement behavior into a continuously updated customer profile. Evaluate this in real time to determine next best moves, risk exposure, or cross-sell opportunities.

Trigger timely, governed financial actions

Activate lending offers, customer recommendations, fraud alerts, advisor notifications, or digital journey nudges during high value moments. Maintain auditability and control across hybrid, on-premises, and cloud environments.

Speak with one of our experts

Schedule a consultation to learn how our team can help you build a modern, real-time data foundation for your financial institution.