Personetics Act Smart Savings Journeys

Personetics Act Smart Savings Journeys is a goal-based savings solution that empowers financial institutions to help customers save more effectively through personalized, automated journeys. By leveraging behavioral insights and real-time financial data, the platform guides users from goal setting to execution, boosting engagement, deposits, and financial wellness.

Features

• Personalized savings journeys tailored to individual financial behavior
• Goal-based savings with advanced fund allocation
• Automated and semi-automated funding methods (e.g., smart auto-save, pay-yourself-first)
• Real-time recommendations based on cash flow and saving eligibility
• Open banking integration for external account linking
• Customizable experiences for different customer segments
• Ongoing engagement through summaries, nudges, and advice

Capabilities

• Enables customers to set, manage, and track multiple savings goals
• Identifies “safe-to-save” moments using AI and behavioral analysis
• Supports internal and external account funding
• Provides hyper-personalized transfer suggestions
• Delivers continuous engagement through dynamic insights
• Adapts to various customer profiles including young adults and novice investors

Benefits

• Increased customer savings and financial confidence
• Higher engagement and retention rates
• Growth in deposit volumes through automated funding
• Enhanced customer experience with intuitive goal management
• Improved adoption of savings products
• Strengthened brand loyalty through proactive financial guidance