AI Real-Time Decisioning
for Regulated Industries

The Action Layer
for Banking

<200ms to decide and act

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Deploy where you want.

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

Allyvate AI →

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.

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.

Sense

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

Signal Ingestion

Decide

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

Decisioning Engine

Act

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

Execution Layer

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.

See Open Architecture →

The Action Layer
for Banking

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

Built for every team that acts on customers

Where it pays back

Sense. Decide. Act. Learn

Engineered for regulated markets

You deploy where you need to.

Integration.

See it run on your data

The Action Layer for Banking

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

Built for every team that acts on customers

Where it pays back

Sense. Decide. Act. Learn

Engineered for regulated markets

You deploy where you need to.

Integration.

See it run on your data

The Action Layer
for Banking