Surface offers
Relevant products shown in app, on web and in assisted channels.
Digital banking
Modern digital banking on one connected experience layer
Acquire, serve and engage customers across digital and assisted channels while keeping existing banking systems in place.
How it works
The four foundations of the digital banking platform
Customer relationships, journeys and banking services are connected once and reused in every channel, while your existing systems remain the systems of record.
Digital acquisition
End-to-end digital acquisition and onboarding
Present relevant offers, capture intent and guide customers through applications, documents and status tracking in any channel, with verification and decisions handled by your origination systems.
Capture intent
Product interest and consent recorded when the customer provides it.
Application flows
Configurable page flows adapted to products.
Customer details
Personal, financial and product details captured and validated.
Documents
Required documents uploaded or captured within the journey.
Application tracker
Real-time application status shown to customers, staff or partner applications.
Omnichannel experiences
Continuous, consistent journeys across digital and assisted channels
Customers can start in one channel and finish in another. Identity, product and transaction context and journey progress carry across mobile, web, conversational, assisted and partner experiences, with every channel drawing on the same banking services.
Start anywhere, finish anywhere
Journeys pause in one channel and resume in another, with progress intact.
Full context in every interaction
Apps, chat and branch staff see the same identity, products and recent transactions.
Shared services, channel-specific rules
Every channel draws on the same banking services, with behavior and rules configurable for each.
New channels without new builds
Conversational and partner channels added on the services already in place.
Mobile & Internet banking
Everyday banking, delivered from reusable platform services
Offer accounts, cards, payments and credit experiences across mobile and web without recreating the underlying banking logic for each channel.
Ready experiences
Pre-integrated capabilities for common banking journeys.
APIs & Events
Extend experiences through platform services and real-time events.
Embeddable SDKs
Selected capabilities inside an existing bank application.
Bank-controlled UX
The bank's own navigation, interaction patterns and visual identity.
What customers can do
Financial services
Accounts, deposits, cards, payments and credit.
Non-financial services
Profile, documents, service requests and alerts.
Offers & Origination
Personalized offers, product applications and tracking.
Customer engagement
Respond to customer behavior as it happens
Use transaction, product and journey events to trigger relevant communications and actions, rather than relying only on static campaign lists.
01 · OBSERVE
Capture customer, product, transaction and journey events.
02 · SEGMENT
Maintain dynamic audiences using profile, product and behavioral attributes.
03 · DECIDE
Select the relevant communication, offer or next action.
04 · ENGAGE
Activate through integrated communication channels.
05 · MEASURE
Track response, conversion, completion and adoption.
Behavioral rewards
Contextual rewards, based on how customers bank
Use customer and engagement context to reward the actions that matter, with qualification and program controls checked as each event happens.
Audience
Segment, persona, product holding and lifecycle stage.
Behavior
Activation, feature adoption, first transaction, usage and re-engagement.
Reward
Cashback, points, offers and configured benefits.
Controls
Program limits, customer caps, action caps and budget thresholds.
Customer intelligence & Analytics
Turn banking activity into actionable customer intelligence
Combine product holdings, transactions, journey behavior and engagement history to understand customer context, identify friction and determine relevant next actions.
Customer view
Relationship, product and behavioral context in one analytical view.
Journey insight
Drop-offs, completion patterns and servicing friction.
Behavioral signals
Usage, transaction and engagement patterns that indicate intent or change.
Next-action inputs
Context available to decisioning, engagement and experience flows.
Identity & Access
One digital identity. Authentication matched to risk.
Maintain a consistent customer identity across products and channels, with authentication and authorization stepping up when the action or risk context requires it.
Consistent customer identity across digital interactions.
Passkeys, biometrics, OTP and other configured factors.
Apply access and action controls to the authenticated context.
Use session, device and risk signals to maintain appropriate assurance.
Referrals
Turn customer advocacy into controlled acquisition
Manage advocate eligibility, referral generation, referred-customer onboarding, qualification and reward fulfillment as one governed program.
Eligibility rules
Program and customer eligibility as configurable rules.
Referral tracking
Unique referrals generated and attributed to every advocate.
Journey routing
Referred prospects routed into the relevant acquisition journey.
Qualification checks
Product opening or qualifying actions confirmed automatically.
Reward fulfillment
Configured incentives released once conditions are met.
Program analytics
Referral, qualification and acquisition performance in one view.
