US cognitive banking platform Personetics has announced partnership with Atomic, a leader in embedded financial connectivity, to deliver native, end-to-end solution for contextual direct deposit and bill payment switching within digital banking experiences.

With this new capability, banks can identify the right customers and financial moments using transaction intelligence, seamlessly designing, triggering, executing, and measuring switching journeys within a single platform, enhancing customer experience through reduced friction and improved conversion rates according to Fintech Finance News.

By integrating Atomic, Personetics advances its open and extensible Cognitive Banking Platform, expanding its ecosystem of capabilities to include embedded, context-driven switching journeys that accelerate deposit growth and share of wallet. The partnership addresses gaps in existing deposit switching solutions that often rely on generic, fragmented campaigns lacking context needed to engage customers at the right financial moment.

The joint solution moves beyond generic campaigns to context-driven engagement, using Personetics' transaction intelligence to trigger switching opportunities based on real customer behaviour, such as external financial activity, income and bill patterns, and relationship depth. By embedding Atomic's execution layer directly into digital banking experiences, banks ensure switching offers are delivered at the most relevant financial moments.

Udi Ziv, CEO of Personetics, stated, "Atomic's capabilities are a natural fit with our Cognitive Banking vision and our open platform roadmap, enabling banks to move beyond insights to deliver contextual financial actions that drive measurable business outcomes."

By embedding Atomic's switching capabilities directly into Personetics Cognitive Banking Platform, the solution reduces friction and improves completion rates whilst giving banks greater control over how and when these journeys are delivered. Every interaction is tracked and fed back into Personetics' analytics providing a clear, measurable link between customer actions and deposit growth.

Discover how cognitive banking platforms are enhancing customer experience through intelligent automation in the complete announcement.