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AI Real-Time Decisioning
for Regulated Industries

The Action Layer
for Regulated
Industries

<200ms to decide and act

Deploy where you want.

Multi-cloud, single-tenant, or on-prem.
No vendor lock-in.

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Why existing platforms fail

You don't have a data problem. You have a timing problem

Insight is everywhere. Execution is what's missing.

Your current stack

The Appice difference

Your CDP stores data. It doesn't act.
Profiles sit in a warehouse — nothing fires on them until an analyst builds a segment and a manager signs off.
Acts on events, not on schedules.
Every event from every system, live and typed — no ETL, no batch, no overnight delay before you can act.
Your analytics explains the past, not the next move.
By the time the insight surfaces, the customer moment is gone. Dashboards describe — they don't decide.
Decides in milliseconds, not in days.
Rules, propensity models and compliance checks run together — the decision lands before the customer leaves.
Your campaign tools run on schedules, not signals.
Actions fire on calendar dates, not on what customers actually do — broadcasting dressed up as personalisation.
Executes inside one audited system, not five disconnected ones.
One system, every channel, every action auditable — outcomes feed straight back into the next decision.
Who It's For

Built for every team that acts on customers

One platform for every team that decides and acts — risk, marketing, tech, digital.

In Practice

Where it pays back

The same principle: Sense, Decide, Act, Learn — before the window closes.

Banking — Fraud
Signal: Unusual transaction pattern detected
Fraud alert triggered and account reviewed — instantly.
Appice detects the anomaly, evaluates risk rules, and notifies the fraud team and customer simultaneously — before the transaction settles.
Faster intervention. Lower loss.
Lending — Offer
Signal: Customer browsing loan products
Personalised offer surfaced — in session, for this customer, right now.
Appice reads the browsing signal, evaluates eligibility and propensity, and surfaces the right offer before the customer leaves the page.
Higher conversion. Less friction.
Telco — Churn
Signal: High-value customer usage drop detected
Recovery action initiated — the right offer, the right moment.
Appice identifies the churn signal, scores risk, and triggers a targeted retention action before the customer contacts support or switches.
Churn reduced. Revenue retained.
See all case studies →
The Action Layer

Sense. Decide. Act. Learn

One loop. Inside your perimeter. On every signal.

01
Sense

Connects your core systems and integrates every event into a live stream.

Signal Ingestion
02
Decide

Scores every signal against rules and models, reading customer intent.

Decisioning Engine
03
Act

Fires the decision on every channel to interact with customers in under 200ms.

Execution Layer
04
Learn

Measures what worked and feeds the insight back into the next decision.

Analytics & Outcomes
Allyvate AI

Orchestrates across all four stages. Content generation, workflow optimisation, and decisioning assistance — moving toward autonomous execution.

Orchestration layer
Inform

Agentic Notification System. Manages alert logic, routing, and delivery confirmation across all execution channels.

Notification infrastructure
Security & Compliance

Engineered for regulated markets

Auditable, explainable, consent-aware — engineered for the strictest data-residency, regulatory and channel-mix requirements. One decisioning layer. Local regulation. Local channels. Local customer behaviour.

Regulatory Coverage
RBI · SAMA · MAS · GDPR · LGPD · LFPDPPP · HIPAA
Active Regions
India Southeast Asia Middle East Latin America
Languages

English · Spanish · Portuguese · Arabic · Hindi — agent and channel content adapted to local language and tone.

Certifications
Enterprise Security
ISO 27001
Cyber Security
CERT
Secure Web Hosting
OWASP
Secure Source Code
SAST
Also: PCI-DSS · SOC-2 Type 2 · ISO 22301 · ISO/IEC 27017 · ISO/IEC 27701
Open Architecture

You deploy where you need to.

Appice runs on your infrastructure — on-premise, private cloud or hybrid.

Bring your own warehouse, models and CRM. Switch providers without re-platforming.

Deployment
On-Premise · Private Cloud · Hybrid · Multi-Cloud

Zero data egress on-prem. National sovereign clouds for regulated markets. Workload-aware hybrid. AWS, Azure, GCP active-active.

Modular by design
Bring your own data warehouse, AI model, CRM, analytics

Snowflake, Databricks, BigQuery, Redshift. Slot in your own propensity models. Bi-directional sync with Salesforce, Dynamics, SAP CRM.

Traffic Manager
Switch providers in <1 hour

Push, SMS, email and WhatsApp BSP swappable without code changes, app releases or customer interruption. 200+ pre-built connectors.

Integration.

Not a replacement — the action layer between the systems you already run.

Your existing stack
Existing systems stay where they are

Core banking · BSS/OSS · CRM · Data warehouse · EHR · ERP · CDPs · Analytics platforms.

The Action Layer · Appice
Decisioning · Rules + intelligence · Next Best Action integrated

Real-time decisioning with rules + intelligence. Next Best Actions triggered in <200ms — fully auditable, explainable and compliance-enforced.

Execution
Every channel, system write, webhook

Push · In-app · SMS · Email · WhatsApp · RM alerts · System writes & webhooks.

Get Started

See it run on your data

30 minutes. Real use cases from your industry. No slides — live system.

Book a Demo →

Frequently Asked Questions

People also ask

Who is the CEO of Appice?
Tarun Anand is the co-founder and CEO of Appice. He co-founded the company with Dilip Mistry (COO) and Ashish Luthra (CPO). Tarun leads strategy, vision and customer relationships across Banking, Telco, Healthcare, Insurance, Wealth and Government.
What is Appice?
Appice is the Action Layer for regulated industries — an AI-driven real-time decisioning and execution platform. It senses customer signals across your systems, decides the next best action using AI models and compliance rules, and executes that action across push, SMS, email, WhatsApp, in-app and web channels in under 200 milliseconds. Built for Banking, Telco, Healthcare, Insurance, Wealth Management and Government.
What is Appice used for?
Enterprises use Appice for real-time decisioning use cases: next-best-action campaigns, fraud-aware cross-sell, churn prevention, policy-lapse prevention, patient adherence outreach, citizen engagement, recharge triggers, and any scenario where the right action must reach the right customer in the moment a signal arrives, not the next morning.
Is Appice a CDP or a CRM?
Neither. A CDP describes customers; a CRM tracks sales relationships. Appice decides what to do with customer signals and executes the resulting action across channels. Appice sits alongside your existing CDP or CRM as the decisioning and execution layer — what we call the Action Layer.
How is Appice different from CleverTap, MoEngage or Braze?
Three differences. First, Appice is real-time decisioning, not batch campaign orchestration — decisions happen in under 200 milliseconds of the signal, not the next scheduled run. Second, Appice runs on-premise or in your private cloud so PII never leaves your perimeter. Third, Appice is purpose-built for regulated industries with audit-ready decisioning and compliance enforced at the model level.
Where is Appice headquartered?
Appice is headquartered in India, with operations and customers across India, the Middle East, Singapore and the United Kingdom. The platform is deployed in production at Tier-1 financial institutions, telcos and government agencies across these regions.
Who founded Appice?
Appice was co-founded by Tarun Anand (CEO), Dilip Mistry (COO) and Ashish Luthra (CPO). Tarun leads strategy and customer relationships; Dilip drives operations and customer success; Ashish leads product, engineering and platform architecture.
Can Appice run on-premise?
Yes. Appice supports on-premise, private cloud, and hybrid deployment. PII never leaves your perimeter — Appice's Central Notification Service (CNS) preserves customer privacy while still delivering 1:1 personalisation at scale. This is the core architectural choice that makes Appice the right fit for regulated industries.
Is Appice compliant with ISO 27001, SOC-2 and PCI-DSS?
Yes. Appice is ISO 27001, SOC-2 and PCI-DSS compliant, and supports India's DPDP Act and the EU GDPR. Every decision the platform makes is logged with full audit trail. Compliance is enforced inside the decisioning step itself — not as a downstream filter — which is what makes Appice safe for use in banking, healthcare and government deployments.
Does Appice support AI agents?
Yes. Appice's Allyvate layer runs agentic AI for marketing teams — autonomous agents that propose next-best-actions, optimise campaigns, generate copy and answer data questions. All agentic actions sit inside the same compliance and audit envelope as the rest of the platform.
Is Appice a startup?
Appice is in production at Tier-1 banks, telcos and government agencies, but also runs Appice Liftoff — a startup programme that gives early-stage regulated-industry founders the full platform free for two years. The same platform that runs at Yes Bank and Airtel is available to a Series-A insurtech in Bengaluru.

PERSPECTIVES · A MOMENT TO THINK

Marketing was a workaround. The constraint has been lifted.

Twenty-one essays on what marketing becomes when the customer's agent does the matching directly. An opinion strand of Appice, written for the leaders whose decisions compound.

21 essays + preface 100 pages · A4 PDF
Marketing was never the matcher. It was the workaround. — from the Preface

Perspectives · Appice Editorial

On marketing, agents, and what comes next.

Individual articles, first published on LinkedIn, mirrored here. Each argues a specific position — precisely, and in the open.