AO Group and Digitata Partner to Build Behavioural Banking

AO Group and Digitata have partnered to develop a Behavioural Banking proposition designed for the next generation of digital financial services.

Banking has become increasingly digital. But digital does not automatically mean personal.

Customers interact with financial institutions through transactions, mobile applications, cards, payments, savings products and numerous other digital touchpoints. Collectively, these interactions create signals about customer behaviour and intent.

Behavioural Banking explores how those signals can be interpreted responsibly to create more relevant customer experiences.

Complementary capabilities

The partnership brings together complementary capabilities. Digitata contributes deep experience in behavioural analytics developed over many years. AO contributes enterprise architecture, software engineering, integration, financial technology and international delivery capabilities.

Together, the teams are developing a platform designed to help financial institutions move beyond traditional segmentation toward more contextual customer engagement.

Potential applications include helping financial institutions understand behavioural patterns and determine when and how particular services, communications or interventions may be relevant.

The objective is not simply more communication. It is better-timed and more relevant engagement.

The proposition is being introduced into the Nordic financial services market through AO Finland while drawing on the wider technology capabilities of AO Group.