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Banking Solutions · Customer Experience

Digital customer experience: build loyalty and value with data.

Anticipate churn, personalize every interaction and grow customer value with data, behavioral scoring and automation.

cx.intervalle.app Customer Experience Relationship & retention management IT CX Manager · Intervalle Jul 14, 2026 CHURN RATE 4.2% -0.8 pt vs 90d NPS +52 +6 pts vs 90d ACTIVE CUSTOMERS 128K +3.4% vs 90d RETENTION RATE 94% +2.1 pts vs 90d Churn risk portfolio 4.2% UNDER CONTROL Low Medium High Satisfaction (NPS) +6 pts JanFebMarAprMayJunJul Customer segments 128K CUSTOMERS Loyal58% At risk14% New18% Dormant10% Next best action View all CUSTOMER SEGMENT RECOMMENDED ACTION CONF. MF Maya Feri #C-40218 Medium risk Offer loyalty program 82% AL Adam Loup #C-40119 Loyal Insurance cross-sell 91% SR Sofia Reda #C-40087 High risk Priority retention call 88% Personalization recommended offers Premium loyalty offer Segment · At risk +14% Multi-risk insurance Segment · Loyal +11% Targeted goal savings Segment · New +9%
Churn detectionActive
Next best actionReal time
PersonalizationOn
Satisfaction (NPS)Tracked
What it is

Customer relationships, driven by data.

Our software brings together the 360° customer view, churn detection, next best action and offer personalization, turning every signal into a retention action.

Software built, deployed and operated by Intervalle, fed by your core banking data.

  • 360° customer view & segments
  • Churn detection & prediction
  • Next best action & personalization
  • NPS satisfaction tracking
Inside the tool

From data to action, on every customer.

From the 360° customer view to the churn score and offer personalization, see customer experience exactly as it is managed in the back office, in a single tool.

360° customer view CUSTOMER · C-40218 · 14:32 Medium risk LN Lina NoorRelationship advisor CUSTOMER MF Maya Feri Individual SEGMENTTENUREPRODUCTS At risk6 yrs4 CHURN SCORE 61 / 100 TREND · +8 PTS / 30D NEXT BEST ACTION Offer loyalty program confidence 82% Expected uplift · retention +14% DETECTED SIGNALS Declining activity-32% transactions / 60d Complaint openedresolved · 12d ago Loyalty offer eligiblecriteria met Launch action INTERACTIONS App loginToday · 09:12 Complaint12d ago · resolved Transfer received18d ago Advisor call26d ago Savings opened40d ago Full history
360° customer view & churn risk

Every customer, understood at a glance.

The advisor gets Maya Feri's consolidated profile, her churn score and the detected signals, with the recommended next best action, on a single view.

Consolidated profileSegment, tenure and held products brought together on one screen, with the churn score.
Score & signalsDeclining activity, a complaint or offer eligibility — every signal feeds the score continuously.
Next best actionThe most relevant retention action is proposed, with its confidence level and expected uplift.
Segments & personalization

The right offer, to the right segment.

Each segment is measured, then matched to the offers that fit it. Recommendations are ranked by expected uplift, to focus effort where it pays off.

Measured segmentsLoyal, at risk, new and dormant, with their share of the portfolio.
Personalized offersEach segment is matched to the offers and services best suited to its needs.
Prioritized upliftRecommendations are ranked by expected gain, including cross-sell and retention.
Segments & personalization PORTFOLIO · 128K CUSTOMERS Real time LN Lina NoorRelationship advisor SEGMENTS Loyal74K 58% of portfolio At risk18K 14% of portfolio New23K 18% of portfolio Dormant13K 10% of portfolio Segments up to date RECOMMENDED OFFERS OFFERSEGMENTUPLIFT Premium loyalty offer targeted retention At risk +14% Multi-risk insurance cross-sell Loyal +11% Targeted goal savings activation New +9% Reactivation campaign wake dormant Dormant +7% 4 offers ready to activate
Features

Build loyalty, without friction.

From the 360° customer view to personalization, a managed and augmented relationship.

360° customer view

Consolidated profile, held products and interaction history, brought together on a single view.

Churn detection & prediction

Weak signals are detected and projected into departure risk, before it happens.

Behavioral scoring

Each customer gets a living score, fed continuously by their usage and activity.

Next best action & alerts

The most relevant retention action is proposed, with an alert at the right moment.

Offer personalization

Offers and services tailored to each segment, prioritized by expected uplift.

NPS satisfaction tracking

Satisfaction and recommendation tracked over time, channel by channel.

What customer experience delivers

More loyal, more profitable.

Stronger retention, a personalized relationship, rising customer value.

Churn anticipated

Departure risk is detected in time, to act before it's too late.

Stronger retention

Automated retention journeys that keep at-risk customers.

Personalized relationship

The right offer to the right segment, at the right time, on the right channel.

Next best action

Every advisor knows what to offer, in real time, without guessing.

Measured satisfaction

NPS tracked continuously informs every relationship decision.

Rising revenue

Targeted cross-sell and up-sell grow the value of every customer.

−30%
Churn rate
+18 pts
Satisfaction score (NPS)
+12%
Retention rate
+15%
Revenue per customer

Indicative figures, varying with context and scope.

Our method

From data to optimization.

A controlled rollout, from the 360° view to continuous improvement.

  1. 1

    Data & 360° view

    Consolidation of customer data and building of the 360° view, fed by core banking.

  2. 2

    Scoring & prediction

    Churn models and behavioral scores calibrated on your segments.

  3. 3

    Next best action

    Personalization rules and retention journeys activated at the right moment.

  4. 4

    Measurement & optimization

    NPS and results tracking, with models optimized over time.

The banking journey · you are here

Six stages, one shared data foundation.

Six stages of the customer lifecycle — from onboarding to collections, on to improving customer experience — built on a cross-cutting automation and data foundation that connects them and improves them continuously.

Automation, Data & AI — cross-cutting foundation
01 · Acquire

Onboard customers, 100 % digital

From the first interaction to account opening: smooth, compliant onboarding for individuals and businesses alike.

Learn more

Digital Onboarding

  • eKYC & facial recognition
  • Document verification & sharing
  • Retail & corporate onboarding
  • Electronic signature

Bank domiciliation

  • Income & salary domiciliation
  • Mandate management
  • Approval workflows
  • Tracking & reporting
02 · Operate

The core of the banking system

Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.

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Accounts & products

  • Account opening & management
  • Product management (savings, deposits…)
  • Card issuance & management
  • Accounting management

Treasury & operations

  • Cash management
  • Operations & back office
  • Configuration & migration
  • Core optimization & hardening
03 · Pay

Collect and pay, everywhere

Secure, compliant payment journeys: e-wallet, mobile banking and card switch.

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Payments & mobile

  • E-Wallet
  • Mobile Banking & Payment
  • Biometric authentication
  • Transfers & QR payment

Card switch

  • Payment Switch
  • Card management & routing
  • Authorization & clearing
  • PCI DSS compliance
04 · Finance

Credit and risk, end to end

Two dimensions mastered: credit risk across the loan cycle, and balance-sheet risk (ALM, capital) steered at bank level.

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Credit lifecycle — credit risk

  • Application & document sharing
  • KYC & PEP screening
  • Credit scoring & approval decision
  • Allocation, disbursement & repayment tracking

Risk Management — balance-sheet risk

  • ALM — asset-liability management
  • Capital forecasting & capital adequacy
  • Stress tests & VaR
  • Prudential reporting (Basel)
05 · Recover

Recover, then manage disputes

In the event of default, our solution automates the collections process — through to litigation management when needed.

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Collections

  • Segmentation & dunning strategies
  • Automated dunning workflows
  • Multichannel amicable scenarios
  • Payment-promise tracking

Litigation & disputes

  • Escalation to litigation
  • Legal case management
  • Traceability & reporting
  • Recovery-rate steering
06 · Retain

Build loyalty and personalize, with data

Data and automation in service of the relationship: anticipate churn risk and deliver hyper-personalized experiences that grow satisfaction and revenue.

Customer experience is this loyalty and personalization stage.

Learn more

Retention & anticipation

  • Proactive churn detection
  • Behavioral scoring
  • Next best action & alerts
  • Automated retention journeys

Personalization & revenue

  • Personalized offers & services
  • Contextual recommendations
  • Targeted cross-sell & up-sell
  • NPS satisfaction tracking
Use case

Where the customer relationship is won.

A concrete retention scenario, from signal to loyalty.

Scenario · Maya Feri

A departure anticipated, a customer retained

Maya Feri's churn score is climbing: declining activity and a recent complaint. The system classes her as medium risk and surfaces the signal at the right moment.

  1. 1

    Signal detected

    Activity down 32% and a complaint — the churn score rises to 61 out of 100.

  2. 2

    Next best action

    A Premium loyalty offer is recommended, with 82% confidence.

  3. 3

    Customer retained

    The offer is accepted, the relationship recovers and the score drops back into the controlled zone.

Proactive detection

Departure risk is identified before it becomes irreversible.

Targeted action

The best offer is proposed to the right segment, at the right time.

Measured loyalty

The result is tracked, from churn score to post-action satisfaction.

A customer experience project?

Request a demo: we'll show you how to anticipate churn, trigger the next best action and personalize offers to build loyalty and grow customer value. Leave us your details and an expert will get back to you.