BRAIU OS · for marketing
Next best offer and churn prediction for banks
What to offer, to whom and when, without ever showing a single customer on screen.
OS looks at your customer base in groups: on screen, never a single customer. It shows where the bank stands and what's coming, then finds quantified commercial opportunities in your data, linked to your goals.
Available for a pilot · 30-min demo on fictitious data
- AHow many customers are involved, and the amount at stake
- BThe usual time to act
- CThe products in your catalogue that fit
- Next best offer: what to offer, to whomThe possible sales found in your data, ranked by priority, with the products in your catalogue that fit.
- The right timeFor each group of customers, the usual time to act, for example just after payday.
- Never a single customer on screenNo figure below 50 customers on screen. Every export to your campaign tools is logged.
What your marketing team sees
- Where the bank standsThe financial health of the customer base, money in and out, the concentration and trajectory of balances, and what's coming over the next 12 months.
- Who is movingCustomer segments based on financial habits, and the ones you create yourself. Ready-made studies: overdrawn customers, customers without savings, idle cash in current accounts, money going to competitors.
- What to sell, to whomThe opportunities found in your data, ranked by priority. For each one: the number of customers, the right time to act (for example just after payday) and the products in your catalogue that fit. To work on your product penetration and your attrition.
- Revenue potentialThe potential of each opportunity, with its assumptions: in progress.
- GoalsYour goals, and those BRAIU proposes from the opportunities it found, with their progress: ahead, behind or reached.
- AssistantYour questions in natural language. Answers rely on the bank's figures and stay aggregated.
No figure is shown for a group of fewer than 50 customers; the bank can raise this threshold. To launch a campaign, an authorised profile exports the list of customers concerned to your tools. Every export is logged; if it cannot be logged, it is blocked.
Two capabilities at the heart of every solution
Predictive analytics: what's coming
BRAIU projects what is likely to happen: how many customers will probably change profile, go through a life event or leave (churn), the bank's balances in 24 months, each customer's trajectory and their progress towards their goals.
Over the next 12 months: the number of customers likely to change segment, go through a life event or leave. The bank's total balances projected over 24 months, with their range.
In the OS overview on Banque Huit, the segment change, life event and upcoming departure blocks (with their factors) show fixed demo values, not computed.
In Advisor, each outlook carries a confidence level: reliable, medium or insufficient. By default, OS only shows outlooks rated reliable. When the data is not enough, BRAIU says so rather than showing a fragile figure.
- AThe bank's balances projected over 24 months
- BThe gap with today's balances
- CThe likely range around the projection
Marketing assistant: sample questions
The OS assistant answers in plain language from your customer base's figures, and shows the data it relies on, with its date.
I'm preparing my Q1 campaign: where should I focus my budget?
Priorities ranked and linked to your goals, with the calculation behind them: for example, the share of idle cash that would need to be redirected to savings to reach your goal. The assistant adds a message and a channel. On net banking income, it refuses to invent a margin: it separates what the bank loses on sight deposits from what it earns in fees, then asks for your assumptions.
Other questions asked
- For idle cash in accounts, which message and which channel?
- If I convert 20% of idle cash into life insurance, what impact on our net banking income?
- How do I measure our campaign's ROI with a control group?
- Give me a 5-point summary for the CEO.
Fictitious data: the questions were asked on Banque Huit, our demo bank (some are shortened). The screenshots are in French.
The other solutions
- For the branch network
BRAIU Advisor
Every morning, the customers to call first and meetings prepared. The adviser decides.
- White-label PFM + API
BRAIU API
Savings goals and an assistant in your app, under your brand. Our calculations in your tools.
30 minutes to see BRAIU on Banque Huit, our demo bank.
We show you the solution on fictitious data: no data from your institution is needed.
What happens next
- We reply by email within two business days.
- You choose a slot.
- 30-minute demo.
During these 30 minutes: OS, Advisor and the customer app on Banque Huit, our demo bank with fictitious data, then your questions on integration and security.