Overview

Earnix Personalization (also known as “Personalize-It” and combined with “Time‑It”) is an AI-driven solution that enables banks and insurers to generate personalized product and bundle offers in real time. By combining behavioral data, risk analytics, and dynamic pricing, the platform delivers precise, scalable, and context-aware customer offers. Organizations gain agility, can increase cross- and upselling, and simultaneously automate and optimize operational processes.

Features & Capabilities

• **Real‑time Engagement: **Generates personalized offers and bundles in milliseconds based on customer behavior, risk, and business KPIs.
• **Behavioral-based Personalization: **Uses AI/ML models to understand individual customer risk and behavior, tailoring coverage, add-ons, or bundle options.
• **Personalization Policy Definition: **Business users (e.g., product managers) can define rules and catalog of products/features without heavy IT involvement.
• **Detection Rules Definition (Time-It): **Triggers offers based on life or business events (e.g., change of circumstances) so that the right product is offered at the right time.
• **Bundle Optimization: **Optimizes bundles for each customer by combining risk modeling and product configuration to maximize customer value and business profitability.
• **Analytical Detection Modeling: **Employs predictive analytics to detect when a customer’s needs change, then recommends or triggers new personalized offers.
• **Self-learning Loop: **Feedback from deployed offers is fed back into the system to continuously refine models (pricing, product, engagement).
• **Automation & Governance: **No-code/low-code deployment, auditability, and compliance are built into personalization workflows with model governance.
• **Scalable Cloud Architecture: **High-performance, cloud-native infrastructure supports fast, iterative deployment and real-time operations.
• **Behavioral & Generative AI: **Incorporates predictive insights, generative content, and agentic automation to streamline workflows and enhance decisioning.
• **Modeling & Simulation: **Supports what-if analysis, simulations, and scenario planning to test personalization strategies before deployment.
• **Monitoring & Tuning: **Continuous monitoring of deployed strategies, with tuning capabilities to align with business KPIs and market performance.