AI Hyper-Personalised Financial Insights Engine Using Open Banking Data

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⁰¹ Challenges

Despite strong digital banking adoption, the bank had limited visibility into customers’
complete financial behaviour across external accounts, wallets, and financial
institutions. This resulted in:

Customer insights were restricted to internal transaction data
Personalised engagement and product recommendations were limited
Cross-sell opportunities were significantly underutilised

At the same time, Open Banking regulation was enabling customers to share financial data across institutions, creating an opportunity to deliver richer financial insights and hyper- personalised banking experiences. The bank needed to transform digital banking into an AI-driven financial intelligence platform powered by Open Banking data.

⁰² Strategic Objectives

Step Ahead Intelligence partnered with executive leadership to:

Leverage Open Banking data to unlock holistic customer financial insights
Deliver hyper-personalised financial guidance within digital banking
Increase cross-sell conversion through behavioural intelligence
Position the bank as a data-driven financial wellness platform

⁰³ StepAhead Approach

A next-generation financial intelligence platform powered by Open Banking data and
AI analytics.

Open Banking Data Integration
AI Financial Behaviour Intelligence
Hyper-Personalised Financial Insights Engine
GenAI Financial Coaching
Predictive Product Recommendations

Outcomes Within 9 months:

+38%

Digital Banking Engagement

+25%

Cross-Sell Conversion

+30%

Monthly Active Mobile Users

+45%

Financial Insights Utilisation

+16pts

Customer Satisfaction (NPS)

Step Ahead Intelligence Insight

The true power of Open Banking lies not in data access alone — but in transforming fragmented financial data into intelligent insights that guide customers’ financial lives.

This capability now forms part of the Step Ahead Open Banking Financial Intelligence Playbook, supporting financial institutions across the GCC, UK, and global digital banking markets.