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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.

India-built · designed for RBI alignment, on-prem and hybrid deployment · Made in India →

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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
Closed loop · <1s
Banking signals
Card
Txn
Mobile
Branch
ATM
Stmt
Transfer
Fraud
3× cross-sell · 40% lower churn <100ms decision
The 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 customer has already left
  • Loan offers sent weeks after intent signal
  • RM alerted too late to act on high-value customer drop-off
  • Compliance logs incomplete or assembled manually
With Appice
  • Fraud anomaly detected and team alerted in under 30ms
  • Churn signal detected 30–60 days early, retention triggered automatically
  • Loan offer surfaced in-session, at the moment of browsing intent
  • RM notified instantly when high-value customer shows risk signal
  • Every decision logged automatically with full reason code
In Practice

Real-time decisions in Banking.

Signal detected. Decision made. Action taken — before the moment closes.

Use Case 01
Customer salary credited to account
Personalised savings or investment offer triggered instantly — no campaign, no delay.
Appice detects the credit event, evaluates eligibility and propensity, and surfaces the right offer before the customer logs out.
3× uplift in cross-sell conversion
Use Case 02
Unusual transaction pattern on customer account
Fraud alert triggered simultaneously to fraud team and customer — before the transaction settles.
Signal detected, risk rules evaluated, and coordinated action taken across internal systems and customer channels in under 30ms.
Faster intervention, lower fraud loss
Use Case 03
Loan or mortgage application abandoned mid-flow
Personalised recovery nudge sent in-session — right offer, right moment, right channel.
Appice identifies the drop-off signal, scores intent, and delivers a targeted message while the customer is still in context.
Significant recovery of abandoned applications
Use Case 04
High-value customer shows early churn signals
RM notified immediately with full context. Retention offer pre-approved and ready to deploy.
Churn risk scored continuously against behavioural signals. RM receives actionable alert, not a data dump.
40% reduction in high-value churn
Use Case 05
Customer crosses product eligibility threshold
Next best offer calculated and queued — for this customer, now, within all regulatory constraints.
Eligibility evaluated in real time across the full product set. Decisioning engine selects the right offer and triggers execution immediately.
Higher revenue per customer, lower acquisition cost
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
<100ms
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 works with your existing core banking, card and financial systems — including Finacle, Temenos, Topaz, Oracle Flexcube, SAP Banking, CRM platforms, data lakes, messaging gateways and digital channels. It does not replace your core infrastructure — it adds 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
Go Deeper

Two pages worth your time.

Allyvate AI

The agents that run the decisions.

How Allyvate's Content, Optimize, Reasoning and Decisioning agents orchestrate every signal, every channel, every action — under regulatory guardrails, in under 100ms.

Explore Allyvate → Open Architecture

Deploy where your regulators require.

On-premise, private cloud, hybrid or multi-cloud. Bring your own data warehouse, AI model, CRM and analytics. Switch providers in under an hour with Traffic Manager — zero code changes.

See Open Architecture →

See Appice decide and act in Banking & Finance.

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

Book a Demo