E-PFM 2.0: help your customers manage their budget, and know them better.
E-PFM 2.0 belongs to the new generation of Personal Finance Management solutions. Built on Machine Learning algorithms (text mining, classification), it gives the bank's customers active budget management, predictive analysis of their spending and automated assistance to reach their savings goals.
- Your customers expect more than a statement from their bank: they want to understand where their money goes.
- Transactions say a lot about each customer's habits, provided you know how to read them.
- A recommendation based on the customer's actual behaviour speaks louder than a generic offer.
E-PFM 2.0 turns transactions into a service for the customer and into knowledge for the bank.
A budgeting assistant inside their bank.
Active budget management
Spending is categorised automatically through text mining and classification. Customers see their budget take shape without entering anything.
Predictive spending analysis
From their history, customers anticipate upcoming expenses instead of discovering them afterwards.
Savings goals
Automated assistance guides customers towards the goals they have set.
Customer knowledge that turns into commercial action.
Behavioural analysis
A fine-grained reading of each customer's habits, drawn from their transactions.
Automated recommendations
Up-sell and cross-sell suggestions generated for Marketing and Commercial teams.
From CRM to CEM
The move from customer relationship management (CRM) to customer experience management (CEM).
- Retail banking and digital departments: offer a service that is useful every day.
- Marketing and Commercial departments: target offers on each customer's actual behaviour.
- Data departments: extract value from transaction data.
- Stack
- Java 21 (LTS) · Spring Boot 3 · React
- Intelligence
- Machine Learning: text mining, classification, predictive analysis
- Integration
- Integrated into the bank's information system
- Model
- Licence, installed in the bank's infrastructure
A software publisher that knows banking from the inside.
EXOSDATA's founders have held operational and IT leadership roles in banking groups. E-PFM 2.0 brings together that business experience and our data valuation expertise.