The Relationship Layer for Banking
Turn your banking app into an everyday customer relationship.
Relationship Layer is a white-label solution that brings personalized lifestyle services, relevant banking offers and partner-funded rewards into the bank's existing digital experience
- Increase engagement
- Improve product conversion
- Create partner-funded revenue
Ecosystem Showcase
EXPLORE RELATIONSHIP LAYER THROUGH A FASHION USE CASE
One example of how Relationship Layer turns everyday customer lifestyle choices and needs into deeper, value-adding banking relationships and personalized loyalty networks.
Watch the Journey
Watch the Journey
ENGAGEMENT & PERSONALIZATION
A need becomes a plan.
The AI assistant turns a customer’s initial interest into a clear, achievable goal through a short, adaptive dialogue.
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Identifies what the customer wants to achieve
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Adapts each question to previous responses
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Uses only the information needed
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Connects the goal to a relevant banking solution
See a Need Become a Plan
HOW IT WORKS
More than AI
The platform combines a proprietary solutions database, professional expertise, and an understanding of each person.
01
Proprietary Solutions Database
Ready-made solutions across every area—faster and more consistent than generating them from scratch.
02
Expert-Verified
Content is reviewed by stylists, and other specialized professionals.
03
Tailored to the Person’s Goal
The system considers goals, preferences, and circumstances instead of simply processing a prompt.
An LLM responds to a prompt.
The AI assistant helps people achieve their goals.
Personalization
Data Transparency and Control
Transparency, consent and data controls are built into the experience.
Users can clearly see:
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what data is collected and why;
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how it is used and what they have consented to;
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how to change consent, access, correct, or delete their data.
Your Bank
Data & Privacy
You are in control of your data
Wardrobe data
For personal recommendations
Purchase history
For budget and preferences
Marketing offers
Optional
Users understand not only the benefits of personalization, but also the rules governing the use of their information — while retaining control over their data.
The result
More than90%
Personalization completion rate
of users who start the process complete it.
Merchant network
Products Organized Around Individual Needs
From individual products to complete personalized solutions.
3,000+
Merchants
The platform combines products across merchants into complete solutions tailored to each customer’s goals, preferences, and budget — from outfits to meals.
Merchant availability, categories, geographic coverage, and integration models are defined for each market and banking pilot.
RETENTION
A goal creates reasons to return.
The AI assistant brings customers back when their plan moves forward — from new relevant products to purchase and post-purchase support.
The AI assistant gives customers a reason to return by keeping them connected to an ongoing goal. As their needs, preferences and progress evolve, the experience evolves with them — bringing relevant recommendations, banking products and services into the journey at the right moment, from planning and purchase through to post-purchase support and the next goal.
See a Goal Bring Them Back
VALUE FOR THE BANK
Banking products become part of the customer journey
The solution helps the bank offer the right product in the context of a specific need — at the moment when it genuinely helps the customer move toward the desired outcome.
FASHION
CUSTOMER GOAL: UPDATE THEIR WINTER WARDROBE
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personal plan
Saving
Payment
Only with this bank's card
Partner revenue
Instalment or credit
Only through this bank
After purchase
From isolated transactions to the full customer journey
FOOD
CUSTOMER GOAL: MANAGE THE FAMILY FOOD BUDGET
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personalized meal plan
Weekly budget
Card payment
Only with its own card
Partner revenue
Cashback and offers
Selected offers
Repeat purchases
From isolated transactions to the full customer journey
TRAVEL
CUSTOMER GOAL: PLAN AND PAY FOR A FAMILY VACATION
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personalized trip plan
Travel savings
Flights and hotels payment
Only with its own card
Partner revenue
Installments or credit
Only its own credit
Travel insurance
Standalone sale
Post-trip
From isolated transactions to the full customer journey
LEARNING
CUSTOMER GOAL: INVEST IN PROFESSIONAL DEVELOPMENT
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personalized development plan
Savings for learning
Course payment
Only with its own card
Partner revenue
Installments or credit
Only its own credit
Next goal
From isolated transactions to the full customer journey
ENTERTAINMENT
CUSTOMER GOAL: PLAN THE WEEKEND
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personalized leisure plan
Weekend budget
Ticket and restaurant payments
Only with its own card
Partner revenue
Cashback and privileges
Selected offers
Post-purchase
From isolated transactions to the full customer journey
SHOPPING & HOME
CUSTOMER GOAL: REFRESH THE LIVING ROOM
The bank's role in the customer journey
Stage
Bank today
With Relationship Layer
Personalized shopping plan
Savings
Purchase payment
Only with its own card
Partner revenue
Installments or credit
Only its own credit
Purchase insurance
Standalone sale
Post-purchase
From isolated transactions to the full customer journey
EVERYDAY LIFE CREATES CONTINUOUS OPPORTUNITIES
Food, style, travel, home, family, personal development and entertainment — each area creates new customer needs, new moments to engage, and new opportunities for the bank to provide relevant products and generate revenue.
STAKEHOLDER VALUE
Built for every banking team
Explore how Relationship Layer supports different banking teams — from loyalty and digital engagement to strategy, retail banking and security.
Personalized card engagement
Relevant lifestyle and partner experiences connected to cardholder needs.
Contextual loyalty opportunities
Relevant offers and rewards based on customer context.
Everyday engagement
Create more reasons for customers to return to the banking app.
Partner-funded rewards
Connect loyalty experiences with partner-funded economics.
Increase digital engagement
Create more reasons for customers to return to the banking app through relevant everyday experiences.
Contextual customer experiences
Connect customer needs with relevant content, recommendations and financial actions.
Repeat usage & retention
Turn everyday customer needs into repeat digital interactions and stronger customer relationships.
Measurable engagement
Track MAU, repeat usage, retention and NPS to measure digital engagement.
Relevant financial offers
Connect everyday customer needs with relevant banking products and offers.
Contextual product conversion
Surface relevant financial offers based on customer context and intent.
Product activation
Turn relevant customer moments into measurable product activation.
Customer needs → financial action
Connect lifestyle needs with relevant financial actions inside the bank's digital experience.
Measurable business outcomes
Connect customer engagement with measurable business outcomes and defined KPIs.
Loyalty economics
Build partner-funded loyalty opportunities that support sustainable customer engagement.
Pilot & validation
Start with one use case, define KPIs and validate the value through a controlled pilot.
Scale with evidence
Measure pilot results independently and scale only after agreed KPIs are validated.
Configurable integration
Integrate the solution through a configurable API and SDK adapted to the bank's architecture.
Modular rollout
Roll out domains incrementally across the bank's digital channels and use cases.
Security controls
Support access control, audit logs, data minimization and pseudonymous integration.
Bank-native experience
Integrate the solution into the bank's existing digital experience and architecture.
The platform does not make credit eligibility, pricing or underwriting decisions.
Measurable value for your bank
CustomerEngagement
Conversion
Revenue
Retention
Each pilot starts with agreed KPIs, a defined commercial model and a clear measurement plan.
Explore Value for Banks →From Discovery to Bank-Wide Rollout
Five stages. Minimal risk. Measurable value. Controlled scaling.
01
Discovery & Tailored Proposal
Bank objectives, customer segments and a tailored partnership plan.
Discovery & Tailored Proposal
Bank objectives, customer segments and a tailored partnership plan.
We explore your bank's strategic priorities, customer segments and business objectives. Together, we define relevant use cases, commercial opportunities and measurable KPIs.
Outcome: An agreed pilot strategy, success criteria and partnership roadmap.
02
Free Employee Trial
Up to 30 employees. No cost. No banking integration.
Free Employee Trial
Up to 30 employees. No cost. No banking integration.
We prepare the AI assistant for a selected group of up to 30 bank employees to evaluate recommendation quality, personalization and user experience — completely free of charge.
Outcome: First-hand product validation without cost or technical integration.
03
External Customer Pilot
Optional
3 months. Validate real customer demand before banking integration.
External Customer Pilot
Optional3 months. Validate real customer demand before banking integration.
This optional step allows banks to validate real customer demand, engagement and commercial potential before committing to integration.
We launch a three-month pilot of the AI assistant for a selected customer segment. Customers join through promotional codes or secure eligibility verification. No integration with the bank’s IT systems is required.
Banking Products in the App
Contextual recommendation and product selection
Customer completes the application with the bank
New Customer Intelligence
Beyond transactions: understanding what customers intend to do next.
Future Plans
Upcoming occasions, activities and planned purchases.
Savings Goals
How much customers want to save: 10%, 20% or 30%.
Purchase Intent
What customers intend to purchase before transactions happen.
Planned Budgets
How much customers plan to spend on specific needs.
Purchase Timing
When customers expect to make a purchase.
Decision Motivations
Why customers choose, postpone or reject options.
Lifestyle Changes
Changing routines, priorities and personal goals.
Unmet Needs
Needs not yet visible in transaction history.
From Past Transactions to Future Intentions
The bank understands what customers have spent. The platform adds what they are planning, how much they want to save and when they may need a financial solution.
The bank measures engagement, interest in financial products, referral traffic and attributable conversions, while receiving aggregated, privacy-compliant insights into future customer needs.
Outcome: Market validation, commercial performance data and new customer intelligence — before technical integration.
Banks can skip this step and proceed directly to Step 4 — Banking Integration.
04
In-App Banking Integration
Secure API, in-app financial products and dual access.
In-App Banking Integration
Secure API, in-app financial products and dual access.
The AI assistant is embedded in the bank's mobile application through a secure API. Customers receive contextual recommendations and select financial products directly within the banking experience.
Contextual financial recommendations
No directly identifying customer information is required for the core API. Pseudonymous identifiers and necessary contextual signals are used under agreed privacy controls.
Existing pilot customers retain their preferences and personalization after secure, consent-based account linking. One profile supports access through both applications.
Outcome: An embedded AI assistant with seamless banking journeys and continuity of personalization.
05
Bank-Wide Rollout
Full customer base. Engagement, conversion and revenue.
Bank-Wide Rollout
Full customer base. Engagement, conversion and revenue.
Following successful KPI validation, the platform expands across the bank's customer base, with additional lifestyle domains, financial products, loyalty programs and partner offers.
Outcome: A scalable relationship layer designed to increase engagement, conversion and long-term customer value.
Every stage includes agreed KPIs, security controls and a decision gate. The bank may pause or stop before proceeding.
Trust, Privacy & Responsible AI
Data minimization, pseudonymous integration, customer control, regional hosting, AI governance and clear financial decision boundaries.
TRUST & COMPLIANCE
Security, Privacy and Responsible AI
Security, privacy and responsible AI controls designed for banking environments.
Data Minimization
Only data necessary for the relevant use case is used, subject to applicable privacy and retention controls.
Pseudonymous Integration
No directly identifying customer data is required for the core integration. Data is exchanged using pseudonymous identifiers and remains subject to applicable privacy controls.
Customer Control
Customers can manage their preferences and profile through controls provided by the bank.
Regional Hosting
Hosting and data residency can be aligned with applicable bank and regional requirements.
Model Governance
AI models, data handling, training use and decision logging are governed according to defined product and privacy controls.
Clear Decision Boundaries
The platform generates lifestyle recommendations and contextual signals. The bank retains control over customer targeting, product eligibility, pricing and regulated financial decisions.
INTEGRATION & COMPLIANCE
Designed Around Each Bank
The platform's integration architecture is configured individually for each bank based on its existing technology stack, customer channels, security requirements and data-governance policies.
Integration options may include APIs, SDKs or other bank-approved deployment methods, with the final architecture defined jointly during the technical discovery phase.
TAILORED ARCHITECTURE
Designed around the bank's existing infrastructure.
FLEXIBLE INTEGRATION
API, SDK or another bank-approved approach.
SECURITY BY DESIGN
Aligned with the bank's security and data-governance requirements.
JOINT TECHNICAL DISCOVERY
The final architecture and deployment model are defined together.
Let's build the future of banking together.
Join forward-thinking banks already exploring the next generation of customer relationships.
