As consumers and small businesses increasingly expect digital banking experiences that are more relevant, timely, and intuitive, Personetics, the Cognitive Banking platform, today announced that Personetics’ AI-driven platform is now embedded within Experience Digital (XD) from Fiserv, giving banks and credit unions new ways to deliver more personalized digital experiences to customers and members.
By embedding AI directly into the digital banking experience, financial institutions can act on data in real time—delivering timely prompts, contextual guidance, and relevant offers within XD. For consumers, this means more support managing cash flow, building savings, and making informed financial decisions. For small businesses, it provides tools to better manage working capital, anticipate needs, and respond more quickly to changing realities.
“Financial institutions have no shortage of data, but many still struggle to translate that information into timely, relevant action,” said Udi Ziv, CEO of Personetics. “By embedding Personetics within Experience Digital, Fiserv is helping banks and credit unions deliver more human, personalized digital experiences that can improve money management for consumers and help small businesses operate with greater confidence.”
With Personetics embedded natively within XD, financial institutions can identify key moments and respond with contextual experiences—from proactive financial guidance to tailored recommendations and targeted offers. The result is a more intuitive digital experience that feels relevant and actionable for end users.
“Consumers and small businesses increasingly expect digital banking experiences that are intuitive and responsive,” said Vishal Dalal, Chief Product Officer of Fiserv. “With this collaboration, our clients can use the data they already have to deliver timely guidance and personalized engagement that creates meaningful value for the consumers and businesses they serve.”
For financial institutions, the integration connects engagement to measurable outcomes, including deposit growth, retention, and wallet share. For account holders, it makes digital banking more useful in everyday moments by surfacing the correct insight or next best action at the right time.
About Personetics
Personetics, the Cognitive Banking Platform, is a pioneer in transforming how banks build and monetize customer relationships. Its AI-powered enterprise platform turns customer data into real-time transactional and digital intelligence, driving timely, relevant customer experiences and contextual actions that deliver measurable business outcomes. Serving leading financial institutions worldwide, Personetics continuously analyzes customer data to understand what is happening in each account holder’s financial life, elevating the customer experience and reinforcing the bank’s role as a trusted financial partner. For more information, visit https://personetics.com.
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