Personetics
Personetics provides an AI-powered Cognitive Banking Platform that banks and credit unions embed in digital channels to deliver personalized financial guidance, automated savings journeys, and transaction-based engagement. It serves 100+ financial institutions across 30+ countries.
- Company typePrivate
- Founded2010
- HeadquartersNew York, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Personetics does
Personetics, founded in 2010 and headquartered in Tel Aviv with offices in New York, London, and Singapore, provides an AI-powered Cognitive Banking Platform that financial institutions embed within their digital banking channels to deliver personalized financial guidance, automated savings journeys, and transaction-based customer engagement. The platform is organized around three core products — Engage (personalized insights and money management), Act (smart savings journeys), and Enrich (transaction data cleansing and categorization) — supplemented by add-on modules including PrimacyEdge (external banking relationship intelligence) and Engagement Builder (a no-code admin console), with newer capabilities including an MCP Server for agentic AI applications launched in September 2025.
Underlying the products is a proprietary AI stack that combines predictive analytics, generative AI, and process automation applied to structured transaction data, enabling real-time insight generation at reported scale of 150 million monthly end-users across more than 100 banks in over 30 countries. The company monetizes via enterprise SaaS subscriptions sold through direct field sales to Tier 1 and regional banks and credit unions, with strategic distribution partnerships with Q2 (Innovation Studio) and Atomic (deposit switching execution) materially extending reach. Backed by Thoma Bravo, Warburg Pincus, and Sequoia Capital across approximately $178M of disclosed funding, Personetics serves a customer base that includes Truist, BMO, Scotiabank, Santander, KeyBank, UOB, Akbank, Erste Group, Bank of Ireland, Huntington, KBC, and U.S. Bancorp, among others.
Personetics firmographics
Firmographics- Name
- Personetics
- Legal name
- Personetics Technologies Ltd.
- Website
- https://personetics.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Personetics provides an AI-powered Cognitive Banking Platform that banks and credit unions embed in digital channels to deliver personalized financial guidance, automated savings journeys, and transaction-based engagement. It serves 100+ financial institutions across 30+ countries.
- Ownership category
- akta.pro rank
Personetics industry classification
Industry- Product category
- Banking Technology
- NAICS
- Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)
- akta.pro primary industry
- Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
- akta.pro secondary industry
- Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC)
Keywords
Where Personetics is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Personetics business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Cognitive Banking Platform Subscription: Personetics provides its AI-powered Cognitive Banking Platform to financial institutions on a SaaS subscription basis. Financial institutions (banks, credit unions) pay for access to the platform which includes Act, Enrich, and Engage modules, along with implementation and ongoing support services. The platform is deployed within digital banking experiences to drive customer engagement, savings behaviors, and deposit growth.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS platform with modular components (Act, Enrich, Engage) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
Personetics product offering
Product offeringCore offering
Personetics provides an AI-powered Cognitive Banking Platform that transforms raw transactional data from financial institutions into real-time, personalized financial advice and customer engagement. Delivered as a SaaS subscription, the platform includes modular products for transaction data enrichment, smart savings journeys, and personalized customer engagement, embedded within banks' and credit unions' digital banking channels.
Product overview
Personetics offers a modular Cognitive Banking Platform consisting of three core products: Engage (for customer engagement and sales), Act (for smart savings journeys), and Enrich (for transaction data enrichment). These products work together as an integrated platform that transforms raw transaction data into personalized financial advice. The platform is supplemented by add-on modules including PrimacyEdge (for detecting external banking relationships and driving primacy) and Engagement Builder (no-code customization tool). The company serves over 100 banks globally, reaching 150 million monthly users, and delivers measurable outcomes including NPS improvements of up to 23% and ROI gains through reduced operational costs.
Differentiator
Problem solved
Functional benefit
Brands
- Self-Driving Finance: A trademark of Personetics Technologies Ltd. representing the company's AI-powered approach to automated financial guidance and customer engagement.
Products and services
- Personetics Engage Core engagement product that boosts customer engagement and sales with advanced money management capabilities, delivering hyper-personalized, actionable insights and advice to banking customers.
- Personetics Act Smart savings journeys product that encourages customers' savings with automated, goal-based savings features including automated transfers and personalized nudges to help customers reach financial milestones.
- Personetics Enrich Transaction data enrichment and categorization product that makes sense of transaction data through data cleansing, categorization, and enrichment to build comprehensive customer financial profiles.
- PrimacyEdge AI-powered product under the Engage suite that helps banks achieve primacy by detecting customers' external banking relationships and providing a personalized, programmatic approach to strengthening loyalty and increasing share of wallet, covering the entire customer lifecycle from activation to deepening and retention.
- Engagement Builder No-code tool that allows financial institutions to easily generate custom insights without programming through an intuitive admin console, enabling quick deployment of custom financial data-driven actionable insights.
- MCP Server Server that enables banks to build and scale agentic AI applications using customer financial intelligence data, delivering proactive, personalized insights via predictive analytics, financial behavior insights, and secure scalable infrastructure.
Quantifiable outcome
- NPS improvements of up to 70%
- +9 more outcomes
Companies that use Personetics
Customer profileNamed customers21 records
Segments5 records
Ideal customer profiles3 records
Personetics technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability8 records
Feature7 records
Personetics partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, supporting and customer.
- AtomiccorePersonetics and Atomic partnered to develop a digital banking solution enabling banks to perform transaction-based switching of direct deposits and bill payments within digital banking platforms. The joint solution combines Personetics' transaction intelligence with Atomic's execution layer to identify customers at optimal financial moments and seamlessly execute switching journeys with measurable outcomes. Both CEOs emphasized the partnership enables banks to move beyond insights to deliver contextual financial actions that drive measurable deposit growth outcomes. The partnership aims to address gaps in existing deposit switching solutions by providing a single platform that reduces friction and improves conversion rates for banks.
- Q2corePartnership enables Personetics to embed its cognitive banking capabilities within Q2's digital banking platform, reaching Q2's extensive network of bank clients. The Q2 Innovation Studio facilitates rapid deployment and testing of Personetics' personalized insights and automated savings solutions. Banks like Avidia Bank, Rockland Trust, and Ally Bank have deployed Personetics through the Q2 platform.
- Microsoft AzuresupportingMicrosoft Azure provides cloud infrastructure for Personetics' SaaS platform deployment. The partnership enables reliable, scalable infrastructure for serving 150 million monthly users across global bank clients. Desjardins specifically cited the 'great solution, reliable infrastructure' achieved through Personetics and Microsoft partnership.
- U.S. BancorpcustomerU.S. Bancorp deployed Personetics-powered predictive savings application as part of its AI strategy. The bank has a 'pragmatic precision' approach focused on measurable ROI, with Personetics helping deliver customer engagement and savings outcomes.
- SantandercustomerSantander's 'Self-Driving Finance' initiative with Personetics delivers 40% increases in digital engagement and 60-fold processing speed improvements. The partnership generates new use cases and co-creates off-the-shelf solutions as part of Santander's digital transformation.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Personetics competitors and assessment
Company assessmentBroad incumbents
- Temenos: Global core banking software vendor increasingly bundling AI-driven personalization and engagement capabilities into its platform. Competes at the platform level with Personetics, particularly in EMEA and APAC where both have strong footprints.
- nCino: Cloud banking platform serving commercial and retail banks with embedded analytics, onboarding, and customer engagement tools. Adjacent competitor in the bank-software stack with similar Tier-1 bank customers and AI-investment roadmap.
- Salesforce (Financial Services Cloud): Major CRM and engagement platform with a dedicated Financial Services Cloud and Einstein AI capabilities that increasingly overlap with bank personalization and customer engagement use cases addressed by Personetics.
- Fiserv: A large incumbent bank-tech provider whose digital banking and merchant solutions could embed or compete with Personetics' personalization layer. Represents both a partnership opportunity and competitive threat from a diversified vendor with broad bank relationships.
Direct peers
- MX Technologies: Offers transaction data connectivity, enrichment, and personal financial management for banks, credit unions, and fintechs. Closely comparable in the data-intelligence and PFM layer that underpins Personetics' Cognitive Banking Platform.
- Plaid: Provides financial data connectivity and account-linking infrastructure to banks, fintechs, and apps. While more developer-API focused, Plaid competes with Personetics' data layer and increasingly offers consumer-facing financial insights.
- Yodlee (Envestnet): Provides transaction data aggregation, categorization, and enrichment plus personal financial management tools to banks and fintechs. Directly comparable to Personetics' Enrich and Engage modules, with overlapping bank customer base.
- Kasisto: Provides conversational AI and digital assistant technology (KAI) to banks for personalized customer interactions. Overlaps with Personetics' conversational AI and MCP Server capabilities within the same banking customer segment.
- Backbase: Provides a digital banking platform with embedded engagement, personalization, and AI capabilities sold to banks globally. Competes head-to-head with Personetics in the digital engagement layer for both Tier 1 and regional banks.
- Meniga: Digital banking solution provider specializing in transaction data enrichment, PFM, and personal finance insights for retail banks. Comparable in scope and customer segment to Personetics, particularly active in Europe.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Personetics social profiles
Digital presencePersonetics financial estimates
Financial estimateRevenue estimate
Valuation estimate
Personetics leadership team
Management profileNumber of profiles
Profiles19 records
Personetics funding detail
Funding detailFunding overview
Funding rounds6 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Personetics M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Personetics
What does Personetics do?
Personetics provides an AI-powered Cognitive Banking Platform that transforms raw transactional data from financial institutions into real-time, personalized financial advice and customer engagement. Delivered as a SaaS subscription, the platform includes modular products for transaction data enrichment, smart savings journeys, and personalized customer engagement, embedded within banks' and credit unions' digital banking channels.
Is Personetics a public or private company?
Personetics is a private company. It is classified as venture growth investor backed and is currently operating.
When was Personetics founded?
Personetics was founded in 2010. It employs 251 to 500 people.
Where is Personetics based?
Personetics is headquartered in New York, United States, in the North America region.
How does Personetics make money?
One revenue line is on record: cognitive Banking Platform Subscription.
Who are Personetics's main competitors?
Broad incumbents on record are Temenos, nCino, Salesforce (Financial Services Cloud) and Fiserv. Direct peers are MX Technologies, Plaid, Yodlee (Envestnet), Kasisto, Backbase and Meniga.
Does Personetics have an API?
Yes. Personetics launched its MCP Server enabling banks to build and scale agentic AI applications using customer financial intelligence data. The MCP Server delivers proactive, personalized insights to boost engagement and loyalty. The platform combines transaction intelligence with execution layers for real-time financial actions. Developer documentation is at personetics.com.
What industry is Personetics in?
Personetics's product category is Banking Technology. Its primary akta.pro industry code is HDAAAGAH, Financial Services Personalization (Banking, Investing, Insurance), with a secondary code of HDAAAFAC, Conversational AI Platforms (chat/voice bots, orchestration). Its NAICS code is 541511 and its SIC code is 7370.