customer engagement

Own the customer lifecycle.

Acquire, onboard, service, cross-sell, retain.
The Banking OS runs all of it - across Banking Apps, Employee Workspaces, and Conversational Banking.

Trusted by 120+ leading banks

"We're onboarding 10X more customers and processing 6 million transactions a month." • Shameer Patel, I&M Bank •

01

Online and Digital Banking

Daily banking that earns the next conversation.

Composable Banking Apps adapt to each customer - segment, lifecycle stage, eligibility - every time they open the app.

A first-time customer sees onboarding. A mortgage-ready customer sees pre-approved rates.

Self-service, payments, cards, financial insights - one foundation your team evolves without rebuilding.

02

Conversational Banking

Natural language in.  Authorized actions out.

Customers say what they need. The system executes within policy and logs every step.

Assist - transfers, balance checks, card controls, dispute filings. Policy-bound and instant.

Coach - product recommendations, mortgage readiness, eligibility scenarios. Grounded in what the bank already knows.

03

Onboarding and Origination

From application to funding, without the friction

Any channel - app, branch, or conversation. Never repeat a step. Identity, documents, eligibility, credit, disbursement. One journey, not five.

Agents classify documents, pre-check eligibility, and build the credit case before a human opens the file. Underwriters spend time on judgment calls, not data entry.

04

ALWAYS-ON-INTELLIGENCE

Onboarding ends. The relationship begins.

The Customer Lifetime Orchestrator runs cross-sell, retention, and re-engagement. Agents watch for the signals - eligibility changes, engagement drops, life events - and prepare the next move before anyone asks.

Banks catch at-risk customers weeks before they churn, not after.

Customer stories

Proven by the banks that got there first.

I&M Bank · Africa

From 2,000 to 21,000 new customers a month

I&M Bank grew onboarding 10x - and hit six million transactions a month - while keeping their Net Promoter Score above 75.

Techombank · Vietnam

Achieving 50% of savings and investments through digital

Techcombank now generates over half of total savings and investments through digital banking - driving significant business growth.

Evelyn Partners · USA

RMs back on advice, not admin

Evelyn Partners unified onboarding, products, and service into one digital journey - freeing relationship managers to deliver high-value, bespoke advice.

BSF · saudi arabia

Open an account. Get a card. Instantly.

BSF doubled, tripled, and in some segments quadrupled onboarding rates - customers open accounts, get cards, and transact without speaking to anyone.

Questions

Frequently Asked Questions

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Ready to own the customer lifecycle?

See how the Banking OS coordinates acquisition, onboarding, servicing,  and growth into one operating model.