What Goals101 does

Goals101 is a Transaction Behavioural Intelligence (TBI) company that applies AI and machine learning to card spend, merchant, and customer data to help banks and consumer brands understand purchasing behaviour and deliver personalised offers, recommendations, and risk insights. Its core product is the Alpha Platform, which is composed of five modular offerings: Alpha for Banks (transaction intelligence for financial institutions), Alpha for Brands (offer management, attribution, and analytics for merchants), Alpha for Robo-Advisory (investment recommendation engine), Alpha for Credit (credit risk and lending analytics), and Alpha for Consulting (professional services). The platform processes 4 billion+ data points daily across more than 140 million customer profiles drawn from 10+ partner banks and 100+ merchants, and integrates directly with bank dispatch engines and merchant CRM/loyalty stacks.

The company monetises through three distinct revenue streams: subscription-based pricing paid by banks for the Alpha platform and analytics, transaction-fee-based pricing paid by brands where merchants pay a fee on transactions driven through Goals101-powered offers, and professional services revenue from consulting engagements. Founded around 2016-2017 and headquartered in Delhi, Goals101 operates regional offices in Malaysia, Sri Lanka, and the UAE, and is a wholly-owned subsidiary of M2P Fintech, a payments infrastructure group backed by Tiger Global with operations spanning more than 30 markets. Its customer base spans large Indian private-sector banks (Yes Bank, RBL Bank, IndusInd Bank) and consumer brands across hospitality (Lemon Tree, Accor), mobility (Zoomcar), e-commerce (Jabong, Yatra, OYO), fashion (Celio), FMCG (PepsiCo, Quaker Oats), and retail (PC Jeweller).

Goals101 is led by Founder & Managing Director Visham Sikand alongside co-founder Milan Naik, with a senior team including CTO Shivam Maheshwari, CFO Sanjiv Chhabra, COO Manish Sharma, EVP Data Analytics Samir Madan, and regional MDs such as Kamala Iyer for CEMEA. The company has raised approximately $6.28M in disclosed equity from Nexus Venture Partners across 2018-2020, participated in the Google for Startups Accelerator in 2021 with a strategic investment from Dentsu, and made a strategic investment in BillCut to extend into personal finance management adjacencies.

Name

Goals101

Legal name

Goals101 Data Solutions Private Limited

Website

https://goals101.ai

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Goals101 is an AI/ML-powered Transaction Behavioural Intelligence company that helps banks and consumer brands derive spend insights, personalised offers, credit risk analytics, and robo-advisory from card transaction data processed on its Alpha Platform across 140M+ customer profiles.

Ownership category

akta.pro rank

Product category

Banking Customer Engagement Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Activities Related to Credit Intermediation (522390)

SIC

Finance Services (6199), Services-Advertising Agencies (7311)

akta.pro primary industry

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

akta.pro secondary industries

Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Digital/Robo Financial Planning (FSAEAAAK)

Keywords

• Transactional behavioural intelligence
• Banking customer engagement
• AI marketing platform
• Credit lead generation
• Hyper-targeted merchant campaigns

Headquarters

HQ city

Delhi

HQ country

India

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Alpha Platform - Bank Solutions: Enterprise licensing and service fees from banks for end-to-end customer engagement, retention, and lifecycle management solutions
2. Alpha for Brands - Performance-Based Marketing: Transaction-based attribution model where merchants pay based on actual transaction outcomes, providing performance-based pricing with 100% accountability
3. Alpha for Consulting: Data-driven research and consulting services providing market insights, competitor analytics, and consumer insights for banks, merchants and corporations
4. Alpha for Credit - Lead Generation: Generation of pre-qualified credit leads for partner banks to increase credit conversion rates

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Goals101 develops and sells the Alpha Platform, an AI/ML-powered Transaction Behavioural Intelligence (TBI) solution that enables banks to deliver personalized, automated customer communications across the entire customer lifecycle, from lead generation to retention. The platform includes modules for banks (Alpha for Banks), merchants (Alpha for Brands), robo-advisory (Alpha for Robo-Advisory), credit lead generation (Alpha for Credit), and consulting research (Alpha for Consulting), analyzing transaction behaviour, demographics, location, and interest maps to drive hyper-targeted marketing and engagement.

Product overview

Goals101 offers the Alpha Platform as its core product, a Transaction Behavioural Intelligence (TBI) solution powered by AI and ML for banks. The platform comprises multiple integrated modules: Alpha for Banks (banking-focused campaign management), Alpha for Brands (merchant targeting), Alpha for Robo-Advisory (financial product recommendations), Alpha for Credit (credit lead generation), and Alpha for Consulting (market research and benchmarking). Together, these modules provide an end-to-end solution for banks to manage customer engagement from lead generation through retention.

Differentiator

Problem solved

Functional benefit

Brands

• Alpha Platform: Transaction Behavioural Intelligence platform that uses AI/ML for banks, featuring modules for banks, brands, robo-advisory, credit, and consulting.

Products and services

• Alpha Platform Flagship Transaction Behavioural Intelligence (TBI) platform powered by AI/ML that enables banks to deliver personalized, automated, and contextual customer communications across the entire customer lifecycle from lead generation to retention. The platform applies proprietary ML/AI algorithms across transaction behaviour, demographics, location, and interest maps.
• Alpha for Banks AI/ML-powered solution for banks providing automated data cleaning and enrichment, custom AI/ML model plugins, dispatch engine integration, merchant alliances management, and collateral designing support. Designed for enterprise banks seeking personalized, automated, and delightful customer services.
• Alpha for Brands Hyper-targeting solution enabling merchants to reach bank customers in real time with extreme accuracy, providing data-driven insights across hundreds of vectors for personalized, transaction-based marketing campaigns. Attribution model based on actual transactions rather than intent, with 100% accountability and performance-based pricing for merchants and brands.
• Alpha for Robo-Advisory Real-time cross-selling and upselling engine for financial products using AI-based recommendations, custom lead form generation, and report generation capabilities. Designed for banks to deliver personalized financial product recommendations to customers.
• Alpha for Credit Pre-qualified credit lead generation solution for partner banks featuring alternate acquisition channels, risk profiling, and custom credit-scoring to increase credit conversion rates. Generates pre-qualified credit leads for partner banks to increase conversion rates.
• Alpha for Consulting Data-driven research platform providing STAR (Structured Transaction based Analytics Report) for market share insights, competitor performance analysis, customer loyalty metrics, and industry benchmarking. Serves banks, merchants, and corporations requiring data-driven consulting.

Named customers13 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature7 records

Partnerships

One partnership is on record.

• BillCutminorStrategic or Co-development PartnerGoals101 founder Visham Sikand has become a strategic investor in BillCut, a fintech startup offering smarter refinancing solutions for high-interest credit cards and loans. Both Sikand and former Paytm President/COO Bhavesh Gupta are co-promoters and strategic investors.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Personetics: Personetics provides AI-driven personalization and customer engagement solutions for banks, using transaction data analytics to power real-time financial recommendations and conversational banking experiences. Highly comparable as a bank-specialist AI engagement platform.
• Affinity Solutions: Affinity Solutions uses transaction-based purchase data and analytics to deliver targeted marketing and customer insights for financial institutions and merchants. Comparable for its transaction-based attribution model and bank-customer targeting.
• CleverTap: CleverTap is an AI-powered customer engagement and retention platform used by banks and digital-first financial services companies for lifecycle marketing and personalization. Comparable for ML-driven engagement use cases across digital banking.
• WebEngage: WebEngage is a customer engagement platform serving enterprises in India and emerging markets with marketing automation, personalization, and analytics. Comparable regional competitor for enterprise engagement and lifecycle marketing.
• MoEngage: MoEngage is an AI-driven customer engagement platform with strong presence in India and South East Asia, serving banks, fintechs, and consumer brands with lifecycle marketing and personalization. Comparable regional competitor in AI-led engagement for financial services.

Broad incumbents

• Pegasystems: Pegasystems offers enterprise low-code and BPM platforms with customer engagement and real-time decisioning capabilities for financial services. Comparable as a broad incumbent providing similar customer journey and next-best-action functionality to banks.
• SAS Customer Intelligence: SAS provides analytics, AI, and customer intelligence solutions widely used by banks for marketing optimization, fraud, and risk. Comparable as a broad incumbent offering transaction analytics and personalization infrastructure to financial institutions.
• Salesforce Marketing Cloud: Salesforce Marketing Cloud (including Financial Services Cloud) is a leading marketing automation and customer engagement suite used by global banks for personalized customer journeys. Comparable as a broad incumbent whose expansion into vertical banking CX threatens specialized players.

Regional players

• Netcore Cloud: Netcore Cloud is an India-headquartered martech and customer engagement platform offering AI-driven personalization, analytics, and communication tools. Comparable as a regional player serving banks and enterprises across India and emerging markets.

Emerging players

• Blueshift: Blueshift is an AI-powered customer data platform and marketing automation company enabling real-time personalization across channels. Comparable as an emerging player in AI-driven engagement with overlapping use cases for financial services brands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/G101_Datatech

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds5 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Goals101