Sells banks an AI layer that analyses customers' transaction data to deliver personalised insights, money-management advice, savings programmes and product offers inside the bank's own digital channels, and since 2026 a console that brings the same signals to relationship managers.
What is Personetics, and which banks use it?
Personetics, founded in 2011 and based in New York with a Tel Aviv presence, sells banks AI that turns transaction data into personalised insights, advice and offers in their apps. It says it serves more than 130 institutions, including 18 of the top 40 North American banks. It is private, backed by Thoma Bravo and Warburg Pincus. Among our 100 banks, Truist, KeyBank, U.S. Bank, Huntington and Central Bancompany are named users. Pricing is not published.
Category
Founded
2011
Headquarters
New York, New York, US
Ownership
Private; backed by Thoma Bravo ($85 million, January 2022), Warburg Pincus ($75 million, February 2021), Viola Ventures, Lightspeed, Sequoia Capital and Nyca Partners; Personetics said it raised more than $160 million in 2021. No valuation has been published.[2][1]
Deployment
SaaS (fully managed on Personetics' Azure private cloud) or on-premises; also embedded in digital-banking platforms such as Fiserv Experience Digital
Pricing
Enterprise licence, sold directly or through digital-banking platform partners; SaaS or on-premises · not published
Banks among the 100
5
- Personetics said in October 2024 that it served more than 130 financial institutions, including 18 of the top 40 banks in North America, and more than 150 million monthly active users receiving 1.2 billion insights a month.
- Thoma Bravo invested $85 million in January 2022, after a $75 million Warburg Pincus round in February 2021; Personetics said it raised more than $160 million in 2021, and Viola Ventures, Lightspeed, Sequoia and Nyca Partners are earlier backers.
- Udi Ziv replaced co-founder David Sosna as CEO in February 2024.
- US bank customers named by Personetics or the press: U.S. Bank and Huntington (flagship clients in Personetics' 2022 release), Truist (Truist Insights, over a billion insights delivered), KeyBank (partnership signed March 2025, enriched transactions live April 2026) and Central Bank (implemented March 2024).
- Since 2025 Personetics has marketed 'Cognitive Banking', and in 2026 it embedded its platform in Fiserv's Experience Digital (June), partnered with Plaid on open-finance data (August) and launched Banking Console for relationship managers (September).
- The platform is sold as fully managed SaaS on Personetics' Azure private cloud or installed on premises; Personetics says the data stays inside the bank's ecosystem.
- Pricing is not published; engagement results such as click-through and digital-engagement rates come from Personetics' own case studies.
What does Personetics sell to banks?
| Product | What it does | Status |
|---|---|---|
| Cognitive Banking Platform (Personetics Engage and Enrich)[5][16][2] | Real-time analysis of transaction data to produce enriched transaction descriptions, personalised insights, financial-wellness programmes and product offers in the bank's digital channels. | Generally available |
| Banking Console[14] | AI product for relationship managers, launched September 2026, that ranks which customers to contact, why and with what talking points, inside CRMs such as Salesforce and Microsoft Dynamics. | Generally available |
| Personetics in Fiserv Experience Digital[12] | Personetics' platform embedded natively in Fiserv's Experience Digital banking platform for banks and credit unions, announced June 2026. | Generally available |
| Plaid integration[13] | Pre-integrated combination with Plaid's open-finance data so insights can draw on a customer's accounts at other institutions, announced August 2026. | Announced |
| Fully managed SaaS (Flex)[15] | Hosted deployment on Personetics' Azure private cloud with a stated 12-week start-up time. | Generally available |
How much does Personetics cost?
How it is charged: Enterprise licence, sold directly or through digital-banking platform partners; SaaS or on-premises.
Personetics does not publish a price list.
Pricing is not published; Personetics sells through sales-led contracts and does not list plan prices.
Which banks use Personetics?
| Bank | What | Status |
|---|---|---|
| Truist Financial | Truist Insights, personalised insights shown at every client log-in, powered by Personetics' Cognitive Banking platform; over a billion insights delivered (vendor-reported).[6] | In production |
| KeyCorp (KeyBank) | Enriched transactions in the mobile app live since April 2026 under a partnership signed March 2025; personalised insights piloting for a third-quarter 2026 roll-out.[9][7][8] | Rolling out |
| U.S. Bancorp | Named client (2021, 2022): listed as a flagship client in Personetics' funding releases; the deployment is not described and no later confirmation was found.[1][2] | Selected |
| Huntington Bancshares | Named client (2022): listed as a flagship client in Personetics' January 2022 funding release; the deployment is not described and no later confirmation was found.[2] | Selected |
| Central Bancompany | AI-driven insights, advice and smart-savings tools in Central Bank's digital channels, implemented March 2024.[10][11] | In production |
Among the 100 largest US banks on this site, from sources that name the bank: the bank, Personetics or the press. Status is the furthest stage a source confirms.
What is Personetics Cognitive Banking Platform?
Analyses customer financial data in real time to generate insights, advice, automated savings and personalised offers delivered through the bank's app and other channels; from September 2026 its Banking Console brings the same customer signals into relationship managers' CRM.[5][14]
What has Personetics done, and when?
- Sep 15, 2026
Banking Console launched[14]
AI-ranked customer lists, signals and talking points for relationship managers inside Salesforce and Microsoft Dynamics.
- Aug 18, 2026
Plaid partnership[13]
Integration with Plaid's open-finance data for a fuller view of customers' accounts elsewhere.
- Jun 29, 2026
Embedded in Fiserv Experience Digital[12]
Personetics' platform becomes available natively inside Fiserv's Experience Digital for banks and credit unions.
- Jun 23, 2026
KeyBank enriched transactions live[9]
Banking Dive reports KeyBank rolled out Personetics-based enriched transactions in April 2026 and is piloting personalised insights for the third quarter.
- Apr 16, 2026
Central Bank case study[11]
Personetics reports 32.5 million insights delivered at Central Bank since implementation and a 29% digital engagement rate (vendor-reported).
- Aug 14, 2025
Truist Insights described[6]
Personetics says Truist Insights, powered by its platform, has delivered over a billion insights with a 16% click-through rate (vendor-reported).
- Jun 2, 2025
KeyBank partnership reported[7]
KeyBank partners with Personetics to give customers personalised, AI-driven financial insights.
- Mar 11, 2025
'Cognitive Banking' capabilities[5]
New capabilities connecting insights to marketing systems and personalised offers, under the Cognitive Banking label.
- Oct 23, 2024
150 million monthly users[4]
Personetics reports over 150 million monthly active users, 1.2 billion insights a month and more than 130 institutions, including 18 of the top 40 North American banks.
- Mar 27, 2024
Central Bank implements Personetics[10]
Central Bank adds Personetics' AI-driven insights, advice and smart savings to its digital channels.
- Feb 20, 2024
Udi Ziv becomes CEO[3]
Ziv, formerly of SAP, NICE and Earnix, succeeds co-founder David Sosna; Personetics cites presence in over 130 banks in 35 markets.
- Jan 19, 2022
$85 million from Thoma Bravo[2]
Personetics says it secured more than $160 million in 2021 and names U.S. Bank and Huntington among flagship clients.
- Feb 16, 2021
$75 million from Warburg Pincus[1]
Personetics says its software reaches more than 95 million bank customers and names U.S. Bank among flagship clients.
- Jan 1, 2011
Personetics founded[2]
Founded in 2011 (exact date not disclosed); offices in New York, London, Paris, Singapore, Rio de Janeiro and Tel Aviv by 2022.
What do banks use Personetics for?
| Use | What it does | Status | Use case |
|---|---|---|---|
| Personalised insights in the banking app[6][10] | Proactive, AI-generated observations and advice about spending, balances and savings shown to customers in the app, as at Truist and Central Bank. | In production | Customer-facing chatbots |
| Relationship-manager intelligence[14] | Banking Console ranks customers who need attention and suggests talking points inside the bank's CRM. | Rolling out | Generative & agentic AI |
| Transaction enrichment and open-finance data[9][13][1] | Enriched transaction descriptions, as at KeyBank, and aggregation of outside-account data via Plaid; Personetics says customer data stays within the bank's ecosystem. | In production | Data & privacy |
| Delivery through digital-banking platforms[12][15] | Personetics is embedded in Fiserv's Experience Digital and offered as fully managed SaaS, so the bank relies on both Personetics and its platform provider. | In production | Third-party & vendor AI |
What has Personetics disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Financial-institution customers (vendor-reported) | more than 130, including 18 of the top 40 banks in North America[4] | Oct 23, 2024 |
| Monthly active users and insights (vendor-reported) | over 150 million users; 1.2 billion insights a month[4] | Oct 23, 2024 |
| Funding raised in 2021 | more than $160 million, including $75 million from Warburg Pincus and $85 million from Thoma Bravo (closed January 2022)[2][1] | Jan 19, 2022 |
| Truist Insights (vendor-reported) | over one billion insights delivered; 16% click-through rate; 4.5 out of 5 client rating[6] | Aug 14, 2025 |
| Central Bank (vendor-reported) | 32.5 million insights since implementation; 29% digital engagement rate; 22.9% click-through rate[11] | Apr 16, 2026 |
“The relationship manager is the bank's most trusted channel, and now it finally has the same intelligence that already powers the rest of the bank.”[14]
Udi Ziv · CEO, Personetics · Sep 15, 2026
“Data-driven personalization and customer engagement is the battleground for financial institutions all over the world.”[2]
David Sosna · CEO and co-founder, Personetics · Jan 19, 2022
Who runs Personetics?
Which rules apply to a bank using Personetics?
| Authority | Why it matters here | Documents |
|---|---|---|
| CFPB | Insights and offers Personetics generates are shown to consumers in the bank's name; the CFPB's 2023 chatbot and automated-customer-service spotlight holds the bank responsible for inaccurate or misleading automated information. | CFPB Chatbots in Consumer Finance (issue spotlight, 2023) |
| OCC | A vendor analysing every customer transaction, whether hosted on its Azure cloud or run on premises, is a third-party relationship requiring due diligence, data-handling terms and ongoing monitoring under the 2023 interagency guidance. | OCC Bulletin 2023-17 SR 23-4 |
| NIST | Banking Console and generated talking points use AI on customer data; NIST's Generative AI Profile lists data-privacy and information-integrity risks a bank would assess before relying on them. | NIST AI 600-1 (Generative AI Profile) |
| EU AI Act | For banks using Personetics in the EU, the AI Act's transparency duties apply to AI-generated content presented to customers; Personetics works with European banks such as KBC and Intesa Sanpaolo. | Regulation (EU) 2024/1689 |
Linked authorities have a page in the AI Regulation Tracker; the others are named for completeness.
What should a bank note before buying Personetics?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice or a recommendation.
01
Category fit: insights more than conversation
Personetics' core product is proactive, AI-generated insights and offers in the app rather than a chat or voice assistant; buyers comparing it with contact-centre vendors are comparing different jobs.
02
Pricing is not published
No plan prices are listed; Personetics sells through direct contracts and through platform partners such as Fiserv.
03
Some named customers rest on older lists
U.S. Bank and Huntington are named as flagship clients in 2021-2022 funding releases without deployment detail; Truist, KeyBank and Central Bank have more recent, specific sources.
04
KeyBank is mid-roll-out
Banking Dive reported in June 2026 that KeyBank's enriched transactions were live but personalised insights were still in pilot for a third-quarter launch.
05
Engagement figures are vendor-reported
Click-through, engagement and customer-savings figures come from Personetics' own releases and case studies.
What are the alternatives to Personetics?
Kasisto
Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026.
Glia
Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM.
interface.ai
Voice, chat and employee AI agents (BankGPT) and an agentic contact centre (Nexus) for credit unions and community banks.
Talkdesk
Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks.
Eltropy
Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools.
How much does Personetics cost?
Personetics does not publish pricing. It sells its Cognitive Banking platform to banks through sales-led enterprise contracts, either as fully managed SaaS on its Azure private cloud or installed on premises, and it is also available embedded in platforms such as Fiserv's Experience Digital, where commercial terms run through the platform. Any figure has to come from a quote.
Which banks use Personetics?
Among the 100 largest US banks tracked here, Personetics names Truist (Truist Insights, over a billion insights delivered), U.S. Bank and Huntington (flagship clients in its 2021-2022 releases) and Central Bank (implemented in 2024); Banking Dive reports KeyBank's Personetics-based enriched transactions went live in April 2026 with personalised insights in pilot. Personetics says it serves more than 130 institutions worldwide.
Who owns Personetics?
Personetics is privately held. Thoma Bravo invested $85 million in January 2022 and Warburg Pincus $75 million in February 2021; earlier investors include Viola Ventures, Lightspeed, Sequoia Capital and Nyca Partners. Viola Ventures' Avi Zeevi chairs the board, and Udi Ziv has been CEO since February 2024.
Is Personetics a bank or regulated financial institution?
No. Personetics is a software company. The banks that deploy it deliver the insights to their own customers and remain responsible for their accuracy and for managing Personetics as a third-party vendor with access to transaction data.
Is Personetics a chatbot?
Not mainly. Personetics analyses transaction data to push personalised insights, advice, savings programmes and offers into a bank's app and, since September 2026, into relationship managers' CRM through Banking Console. Contact-centre and chat vendors such as Glia, Talkdesk and interface.ai answer customer questions; Personetics works on proactive messages the bank sends.
- Personetics secures a $75 million investment from Warburg Pincus to accelerate the global expansion of its AI-driven personalization and engagement solutions for financial institutions
- Personetics Secures Over $160 Million in 2021 and Accelerates the Global Expansion of its AI-Driven Personalization and Engagement Solutions for Financial Institutions With $85 Million Investment From Thoma Bravo
- Personetics Welcomes New CEO to Accelerate its Global Growth
- Personetics Hits Key Milestone: Empowering over 150 Million Monthly Users with 1.2 Billion Insights for Financial Well-Being
- Personetics Pioneers the Cognitive Banking Era With a New Set of AI-Driven Capabilities
- Truist's Performance Marketing Journey: From Merger Challenges to Million-Dollar Results
- KeyBank partners with Personetics to deliver AI-powered financial wellness tools
- How KeyBank is creating 'cognitive banking' with AI
- KeyBank bets on relationships over tech budgets
- Central Bank Boosts Financial Wellness for Customers Through Personetics' AI-powered Platform
- How Personetics and Central Bank Drive Customer-Centered Banking
- Personetics Embeds AI Within Experience Digital from Fiserv to Enable More Personalized Banking
- Personetics Partners with Plaid to Help Banks Win Account Primacy with Open Finance Intelligence
- Personetics Launches Banking Console, Bringing AI-Powered Customer Intelligence to the Relationship Manager's Desktop
- Flex Template (undated page, retrieved 2026-09-24)
- Enrich (undated page, retrieved 2026-09-24)
When a bank signs with Personetics, you'll read it here first.
when a bank picks an AI vendor, or a vendor ships for banks, it is in the next morning's brief · six sourced stories · 7 am ET · free
plus every tracker, bank and agent page update, the morning after · leave any morning