From campaigns to context. This regional GCC bank built AI-powered personalisation as a core enterprise capability, within SAMA's regulatory perimeter. Bank name withheld at client request.
The client is a pan-regional financial institution with a heritage in wholesale banking, treasury and capital markets across the GCC. As part of its evolution into digital retail and SME banking, it launched modern mobile and online applications, and customer expectations shifted with them.
Personalisation was rules- and segment-based; channels operated independently; marketing innovation depended on long IT change cycles; Saudi regulatory and security requirements constrained experimentation. Moving beyond campaigns required architecture, not features.
Sense assembled a unified, live customer state. Decide delivered intent detection, propensity scoring, churn risk and next-best-action selection from a governed ML Studio. Allyvate AI ran closed-loop learning with human-in-the-loop oversight. Inform enforced centralised consent and preference management aligned to SAMA.
~30–35% increase in digital engagement; ~20–25% uplift in conversion vs batch campaigns; ~15–20% increase in priority-feature adoption. Operationally: 35% reduction in message fatigue, 4× faster time-to-market, reduced IT dependency. Governance: 100% auditable and explainable decisions, SAMA-aligned.