Conversational answers and timely nudges for your customers. Commercial signals and portfolio intelligence for your bank. One platform, two audiences, real outcomes.
Conversational Q&A on every transaction, balance, and category, grounded in your customer's actual financial reality.
Subscription tracking, recurring inflows and outflows, cashflow projections. Gain insights into the full rhythm of a customer's money.
Surface the moments that matter. Price hikes, unusual spending, savings windows, and balance warnings before payday; all within the flow of everyday banking.
Behavioural triggers that turn everyday transactions into moments your commercial, marketing, and product teams can act upon.
GenIE turns complex financial data into clear insights for your customers, and aggregate intelligence for your bank. Two audiences, one platform, real outcomes.
Let customers ask everyday money questions and get immediate, accurate answers in plain language.
Identify every active subscription a customer holds, from streaming services to gym memberships to forgotten free trial conversions.
Map the full rhythm of a customer's money. Predictable inflows like salary and benefits, predictable outflows like rent, utilities, and debt repayments.
Project a customer's cashflow forward based on actual income and committed spending. Simulations grounded in real data, not generic advice.
Insights that arrive when they're useful, not buried in a monthly digest. Subscription price rises, unusual category spikes, savings windows, balance warnings before payday.
GenIE doesn't just serve your customers. It surfaces aggregate, privacy respecting intelligence about your portfolio. Patterns, opportunities, and gaps your commercial teams can act on.
How GenIE integrates with existing banking infrastructure to deliver AI driven clarity, safely.
GenIE is delivered via API and integrates into your existing mobile banking app or web portal. It enhances the experience customers already know. No separate app, no re onboarding, no rip and replace of your current stack. Available to UK banks from July 2026, with adaptations for other markets shaped per region on the roadmap.
GenIE is built on top of Snowdrop's enrichment API, the Merchant Resolution System (MRS), which provides 99.9%+ accuracy in transaction enrichment. Conversational answers are grounded in this enriched data layer and your own internal banking data, rather than generated freely from raw transaction text. The result is reliable, traceable responses, not hallucinated guesses.
GenIE is designed around data minimisation. It operates on enriched transaction context and metadata to generate insights, with raw PII processing scoped to the minimum necessary for each use case. Your customer data also stays your customer data: GenIE does not feed customer information into upstream model training, and does not retain queries for cross customer learning. Full data flow documentation and DPIA support is available for procurement teams.
A typical engagement runs from a 4 to 6 week proof of concept on anonymised data through to phased production rollout. Reference architectures are available for both bank hosted and Snowdrop hosted deployment, depending on your data custody requirements.
GenIE supports client hosting regions. Customer data does not leave the region of operation. Bank controlled deployment options are available for institutions with stricter data custody requirements.
ISO 27001, ongoing SOC 2 Type II, GDPR compliant DPAs, and standard banking grade SLAs. Detailed certification pack available under NDA.
GenIE is offered on a tiered commercial model based on monthly active users and capability scope. Get in touch for a quote shaped to your portfolio.
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