Turn Customer Data into Next-Gen Banking Experiences

The challenge

Retail banks are data-rich yet insight-slow: transactions, cards, lending, investments, digital interactions and service logs sit in silos that blunt real-time, omnichannel personalisation. Legacy estates and fragmented models make change costly and slow, producing “me-too” experiences just as customers expect proactive, contextual service. Neobanks’ API-first stacks enable rapid experimentation; incumbents bring brand trust, regulatory credibility and large customer bases. The imperative is to combine speed and agility with scale and trust—without compromising governance. Meanwhile, stringent privacy, model-risk management and data-residency requirements (e.g., GDPR, EU AI Act) raise complexity and risk unless addressed by design.

Where we help

Enable data-driven banking: hyper-personal experiences, smarter decisions, higher lifetime value—powered by advanced AI on compliant, scalable infrastructure.

CID offers:

1. Modular AI: integrates legacy and modern APIs, enriches existing stack (no rip-and-replace)
2. Intelligence: next-best action/offer, recommendations, segmentation, churn & LTV
3. Advisor “client view” with human-in-the-loop
4. Data foundation: Customer 360, feature store, event triggers (salary, travel, bill spikes)
5. MLOps & governance: monitoring, drift/bias checks, lineage, auditability
6. Private/hybrid AI for sovereignty and control

Key Use Cases

1. Personalised insights & nudges (cash-flow, goals)
2. Next-best action & offer (eligibility-aware cross/upsell)
3. Smart search over accounts, transactions, fees
4. Retention & service: churn prediction; complaint/intent classification
5. Event-based journeys: salary day, travel, life events, wealth onboarding

Benefits

• Revenue & CLV lift via hyper-personalised engagement
• Lower service cost with agent assist & automation
• Faster time-to-value: adopt block-by-block
• Compliant by design (privacy, security, model governance)

Our approach lowers system and software TCO and drives ROI up via across-the-board automation and private AI. Our customers become data- and AI-driven CX teams.

Why CID?

We combine deep integration expertise with proven AI delivery: data-heavy systems since 1999, production recommenders since 2007, and GenAI since 2023. Our European engineering DNA prioritises privacy, security and sovereignty. We enrich existing stacks with modular, compliant AI—on-prem, sovereign cloud or hyperscaler—backed by robust MLOps and lifecycle governance.