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Banking & Finance

Every signal.
A real-time decision.

Transactions, logins, drop-offs, anomalies — detected and acted on before the moment closes.

Bank-grade · RBI / SAMA / MAS-aware · every decision logged and audit-ready

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Decision Console · Banking
LIVE
Sense
Salary credit
8 ms
Decide
PL @ 11.4%
p=0.82
Act
In-app + push
consent OK
Learn
Accepted
model retrained
Inform Routes every offer with consent and RBI fair-practice reason codes
Allyvate AI Picks the next best action for each account moment — in real time
Banking signals
Card
Txn
Mobile
Branch
ATM
Stmt
Transfer
Fraud

In production at

IDBI Bank Kotak Mahindra Bank SBI Mutual Fund Gulf International Bank Union Bank of India Bank of India Central Bank of India Yes Bank
Problem

Decisions are delayed, fragmented and manual.

By the time a decision reaches a customer, the moment has passed.

Without real-time decisioning
  • Fraud detected hours after transaction settles
  • Churn identified 30 days after the customer left
  • Loan offers sent weeks after intent signal
  • RM alerted too late to retain the customer
  • Compliance logs incomplete or assembled manually
With Appice
  • Fraud anomaly detected and team alerted in under 30ms
  • Churn flagged 30–60 days early, retention auto-fires
  • Loan offer surfaced in-session at intent moment
  • RM notified instantly when an HVC shows risk
  • Every decision logged with a full reason code
Moments that matter

Ten real-time plays in Banking.

Signal detected. Decision made. Action taken — before the moment closes. Tap any card to zoom in. Scroll for more.

Use Case 01
Salary credit detected

Pre-approved Personal Loan in the app — in under a second.

The salary-credit event triggers a real-time eligibility check (bureau pull, exposure ceiling, KYC vintage) and surfaces a pre-approved offer in the bank's app while the customer is still in session. Every decision carries a full audit trail under RBI fair-practices code.

Real-Time Decision Loop
Allyvate AI · Picks the loan amount and tenor that fit this customer’s segment. Inform · Decision logged with full reason code under RBI fair-practices.
3× cross-sell vs batch Tap to zoom
Use Case 02
Unusual transaction pattern

Coordinated fraud alert — before the transaction settles.

Signal ingested from the card or UPI rails, risk rules and behaviour models evaluated, and a coordinated action fires across the fraud team, the customer's app and channel suppression — all inside 30 milliseconds.

Real-Time Decision Loop
Allyvate AI · Tunes thresholds per segment to balance fraud loss vs friction. Inform · Every alert + reason code archived for regulator review.
Faster intervention, lower fraud loss Tap to zoom
Use Case 03
Loan application abandoned mid-flow

In-session recovery nudge — right offer, right channel.

Appice spots the drop-off signal (last screen, time-on-step, error), scores intent, and delivers a targeted nudge while the customer is still in context. Channel chosen by consent state and prior responsiveness.

Real-Time Decision Loop
Allyvate AI · Selects the message variant scoring best for this micro-segment.
Significant recovery of abandoned apps Tap to zoom
Use Case 04
High-value customer shows churn signals

RM alerted with full context. Retention offer pre-approved.

Behaviour, balance and engagement signals score churn risk continuously. The RM receives an actionable alert — not a data dump — with a tier-appropriate retention offer already cleared by risk and compliance.

Real-Time Decision Loop
Allyvate AI · Picks the right talking points and timing for the RM conversation.
40% reduction in HNI churn Tap to zoom
Use Case 05
Customer crosses eligibility threshold

Next-best offer calculated and queued automatically.

Eligibility is evaluated in real time across the full product set — deposits, cards, loans, FX and investments. The decisioning engine selects the right offer for the right moment, with explainable reason codes per decision.

Real-Time Decision Loop
Allyvate AI · Ranks all eligible offers by predicted conversion × value. Inform · Reason codes attached to every offer for fair-practices audit.
Higher revenue per customer Tap to zoom
Use Case 06
FD or RD maturity in 14 days

Roll-over advisory — with a personalised rate ladder.

Maturity events trigger a tier- and goal-aware roll-over conversation. Offers consider rate sensitivity, prior FD ladder, RM relationship and the customer's broader portfolio.

Real-Time Decision Loop
Allyvate AI · Selects the optimal rate ladder to present for this customer.
Higher rollover & deposit retention Tap to zoom
Use Case 07
UPI or IMPS failure pattern

Service alert + alternate channel surfaced instantly.

Repeated failures trigger a contextual service alert, explain the issue in the app, and surface an alternate channel (card, AePS, NEFT) before the customer raises a complaint.

Real-Time Decision Loop
Lower complaint volume, higher CSAT Tap to zoom
Use Case 08
Cross-border remittance detected

FX rate or remittance pack — before the next transfer.

Remittance corridors and frequency drive a personalised forex offer or NRI-focused product nudge. Compliance-vetted against RBI LRS, FEMA and the customer's relationship tier.

Real-Time Decision Loop
Inform · LRS & FEMA limit checks logged with each offer.
Higher non-interest income Tap to zoom
Use Case 09
Card spend velocity drops

Retention conversation triggered before silent churn.

Spend velocity, merchant-mix and category drop-offs score "active-card churn risk". The right reactivation play — cashback boost, milestone reminder, or category offer — is selected per segment.

Real-Time Decision Loop
Allyvate AI · Selects which reactivation play scores best for this segment.
Active-card retention up Tap to zoom
Use Case 10
Bureau score upgrade

Pre-approved credit-limit increase, in real time.

Bureau-pull subscription updates flow into Appice in near real time. The customer sees a pre-approved limit increase or a new product offer the moment their credit profile improves — under fair-practices guardrails.

Real-Time Decision Loop
Inform · Decision rationale logged for fair-practices audit.
Stickier customers, bigger wallet Tap to zoom
SDAL Flow

A salary credit, in real time.

How Appice turns one banking signal — a salary credit hitting a customer account — into a personalised, compliant decision in under a second, then learns from the outcome.

Step 1
Sense
Signal

Salary credit — ₹1.2L — posted to account 1234

  • •Core banking event in 8 ms
  • •Joined to Customer 360
  • •Channel state read
Step 2
Decide
Decision

Pre-approved personal loan — ₹6L at 11.4%

  • •Propensity 0.82
  • •Bureau + risk eligibility OK
  • •Latency 64 ms
Step 3
Act
Channel

In-app card — “Your pre-approved offer is ready”

  • •App, push, WhatsApp fallback
  • •Consent + frequency caps applied
  • •Decision logged for audit
Step 4
Learn
Outcome

Customer accepted — PL booked, ledger posted

  • •Outcome feeds Allyvate AI
  • •Propensity model retrained
  • •Next decision sharper
Closed loop — signal to outcome to better signal — under 1 second
<200ms
End-to-end latency
3×
NBO conversion
100%
Auditable decisions
0
PII to third parties
Regional use cases

Use cases for retail banking markets.

Patterns deployed across regulated banks where cards, messaging and real-time eligibility drive growth.

Cards & credit

Real-time card offers and limit increases

Eligibility, risk and offer scoring fire the moment a customer transacts, taps a card or hits a spend threshold — pre-approved within regulatory and bureau constraints.

Conversational banking

WhatsApp-led onboarding and servicing

Onboarding, KYC nudges, statement queries and servicing flows orchestrated through WhatsApp and other messaging channels — with consent state and audit trail preserved end-to-end.

Loyalty & cross-sell

Behaviour-based loyalty and cross-sell

Rewards, tier movement and next-best-product offers calculated from live transaction and channel behaviour — not yesterday's batch segment — and delivered through the channel the customer is already using.

Integration

Works with your existing systems.

Appice plugs into your core banking, card and financial estate — Finacle, Temenos, Topaz, Oracle Flexcube, SAP Banking, CRM, data lakes, messaging gateways and digital channels. We don't replace your core; we add the real-time decisioning layer on top.

Your data stays in your environment. On-premise, private cloud or hybrid deployment.

Signal Ingestion (Integrate) Decisioning Engine (Intent) Execution Layer (Interact) Analytics (Insights) Allyvate AI Inform
Compliance

Built for regulated Banking.

RBI, SAMA, MAS, GDPR, LGPD and data-residency — every decision logged, explainable and audit-ready.

ISO 27001 PCI-DSS SOC-2 Type 2 Full audit trail Explainable AI

See Appice decide and act in Banking & Finance.

30 minutes. Real use cases from your industry. Live system.

Book a Demo

Frequently Asked Questions

People also ask

How does Appice work for banks?
Appice senses signals from your core banking, transaction streams, CRM and channel systems; decides the next best action using AI models and risk rules; and executes in real time across SMS, app, email, WhatsApp and call-centre. All in under 200 milliseconds, all inside the bank's perimeter, with full audit trail.
Which Indian banks use Appice?
Appice is in production at Yes Bank, Bank of India, Central Bank of India, IDBI Bank and SBI Card, along with regional Tier-1 institutions across India, the Middle East and Asia. The platform supports cross-sell, retention, fraud-aware decisioning and lapse prevention at scale.
Is Appice compliant with Indian banking regulations?
Yes. Appice supports the Reserve Bank of India's data localisation requirements, the DPDP Act 2023, and standard banking certifications (ISO 27001, SOC-2, PCI-DSS). Deployed on-premise or in private cloud so customer PII never leaves the bank's perimeter.
Can Appice integrate with my core banking system?
Yes. Appice integrates with Finacle, Flexcube, T24, BaNCS and other major core banking platforms via API, event stream, webhook, or direct database read. Integration with BSS/OSS, fraud-monitoring, KYC and channel systems is standard.
How fast can a bank deploy Appice?
Typical go-live is six to eight weeks from kick-off to first real-time decisioning campaign in production. Phased rollout against a single use case (e.g., next-best-action for credit-card cross-sell) first, then expansion to additional use cases over the following quarter.
What banking use cases does Appice support?
Real-time next-best-action (NBA), pre-approved offer triggers, salary-credit cross-sell, mortgage top-up nudges, mutual-fund pitch, card-upgrade prompts, churn prevention, dormant-account re-activation, fraud-aware throttling, complaint routing, and onboarding journey orchestration.
Does Appice support real-time fraud-aware campaigns?
Yes. Appice integrates with fraud-monitoring systems so that risk events automatically suppress or modify customer outreach for a configurable window. A flagged transaction can pause cross-sell triggers for 72 hours to protect customer experience and avoid risk amplification.
How is Appice different from a CDP for banking?
A CDP describes the bank's customer; it stitches identity and produces unified profiles. Appice decides what to do with that customer in real time and executes the action. Banks typically run Appice alongside their CDP — the CDP feeds the data, Appice runs the decisioning and channel orchestration.