AI-Powered Platform Helps CUs Satisfy Member Personalization Craving

By Roy Urrico

Consumers’ desire for personalization from their financial institutions is fueling the rise of cognitive banking. New York City-based Personetics provides an artificial intelligence (AI)-powered platform that allows financial institutions to boost customer engagement and satisfaction. In a conversation with Finopotamus, company CEO Udi Ziv discussed why cognitive banking is becoming a core competitive differentiator and how AI is reshaping the way credit unions and banks engage, retain, and monetize member/customer relationships.

Udi Ziv, CEO of Personetics.

“Personetics is an AI-powered cognitive banking platform that turns fragmented transaction data and digital behavior into real-time insights and actionable intelligence,” Ziv told Finopotamus. “For credit unions, we help deliver highly personalized financial guidance, improve member engagement, and drive measurable business outcomes, from increased deposits and lending to a stronger share of wallet.”

AI continuously analyzes customer transactions, detects financial patterns, and proactively delivers insights, recommendations, and offers, shifting banks from reactive service models to intelligent, always-on financial copilots, Ziv explained.

Creating Banking Insights

“Cognitive banking enables financial institutions, including credit unions, to proactively engage members with timely, relevant insights and contextual offers based on their real-time financial behavior,” said Ziv. “Today, banks are competing not only with other financial institutions but with the personalized digital experiences consumers receive from every other app on their phone.”

For example, nearly three-quarters of banking customers desire more individualized experiences (according to a Q2/Harris Poll), and 72% would stay with their financial institution if AI could deliver smarter, more tailored guidance (as revealed in a PYMNTS Intelligence/Galileo report. “By delivering contextual insights that translate into clear actions, such as saving more, managing spending, or exploring lending opportunities, CUs can deepen relationships and drive measurable growth,” suggested Ziv.

Retention improves when members feel understood and supported, he explained. “Our platform delivers contextual guidance, such as alerts for upcoming payments, savings opportunities, or spending patterns, when it matters. By turning everyday financial activity into helpful, proactive insights, credit unions can build trust, strengthen engagement, and maintain long-term member relationships.”

Fragmented Data Changed to Actionable Intelligence

Personetics continuously analyzes transactional and digital behavior across accounts to create a unified view of each member’s financial life, noted Ziv. “That intelligence is then translated into personalized insights, recommendations, and experiences that help members make better financial decisions.”

The Personetics cloud-native platform is designed to be open and flexible and integrates with existing banking infrastructure and third-party solutions through application programming interfaces (APIs), said Ziv. It is delivered as a secure, scalable solution, hosted on a private cloud environment. “This approach enables credit unions to seamlessly embed cognitive banking capabilities into their existing digital experiences without disrupting their broader technology ecosystem.”

The solution also enables “enterprise-wide deployment and operates as a fully managed solution, enabling financial institutions of all sizes to scale personalization capabilities while maintaining high standards for security, compliance, and operational resilience,” said Ziv.

The fintech serves 150 million active banking customers across its client base, including numerous credit unions such as Toronto-based Meridian Credit Union (CA$27 billion, 380,000 members), Ontario's largest and Canada’s second-largest credit union, according to Ziv.

“Institutions using the platform report meaningful improvements across customer engagement, cross-sell, and product adoption,” said Ziv. He added, many also see measurable increases in deposits and savings accounts, reductions in customer attrition, and strong user satisfaction scores, with members consistently reporting that the insights are relevant. “These outcomes demonstrate the tangible impact that proactive, personalized financial guidance can have on both engagement and long-term financial growth.”