exagens’ MAX is an online banking and mobile banking relational agent built to increase product and services sales while increasing customer stickiness.

The exagens’ MAX platform allows strategy, marketing, product and channel departments to describe and promote products and services offers tailored to each and everyone of the bank’s customers with near-zero cost and no IT effort. By addressing the whole customer base at the same time with appropriate offers, the bank can realize the ultimate monetization of its digital channels.

exagens’ MAX takes care of the customers, analyses their personal situation, their behaviors and blends in contextual information to apply the most relevant mix of product and services, at the time when the customer is most receptive and when his/her situation (financial, personal, social, etc) is the most appropriate. The offers are thus presented in the trusted mobile banking and online banking environment.

exagens’ MAX is built using Big Data, Artificial Intelligence and Relational Agents technologies.

• Big Data to analyse and process all the financial, situational, personal, social and behavioral information available.
• Artificial intelligence to decide when to propose what and how to do it.
• Relational agents to empathize with the customer and establish a stronger bond between her and the bank and to gain her trust (increase hit rate)

For Financial Institutions:

• Increased sales of products and services
  
• Increased customer stickiness
  
• Differentiation
  
• Gather detailed and actionable customer information
  
• Act and react faster to the market, context and competition
  
• Add functionality while keeping existing online and mobile infrastructure untouched
  

For customers:

• get personalized and actionable advice on how to improve their financial situation
  
• get relevant financial information about the market, context and their situation in a clear and very understandable way
  
• get help to do and achieve more with their available financial tools