For banks, card issuers and finance apps
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Six entry points, one platform and one data basis
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Start with one use case, expand without rebuilding
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Hosted in Frankfurt, consent per purpose, SOC 2 Type I certified
One customer, one loop
Example
Signal
Flight to Lisbon paid with the card.
Transaction data enriched
Moment
Travel mode and a travel-cover hint in the app.
Next Best Action · with consent
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Illustrative concept
Your rules
Personal Finance Management
Next Best Action
Top of Wallet
Transaction data
EUDI Wallet
Virtual advisor
Customer Data Platform
Hosted in Frankfurt
Consent first
Use cases
Choose the entry point that fits your roadmap.
All six use cases run on the same platform. You start with one and expand without rebuilding the data basis.
Personal Finance Management
Personal Finance Management (PFM) for banks means the banking or card app explains customers' money and suggests the next sensible step. ACCELERAID connects CRM and transaction data to a Customer Data Platform and AI-powered Customer Lifecycle Management. The result: insights, nudges and a virtual advisor inside your existing app.
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Transaction Data Enrichment
Transaction data enrichment turns cryptic posting lines into clean merchants, categories, recurring payments and life-event signals, each with documented consent. ACCELERAID delivers these five stages as the foundation for Personal Finance Management, Next Best Action, retention and the virtual advisor, connected to core banking, card processor and CRM, hosted in Frankfurt.
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Next Best Action
Next Best Action in banking is the decision which measure a customer receives now, through which channel, at what time and under which constraints. A propensity list only says who is likely to buy. ACCELERAID combines signals, models, rules, orchestration and measurement into one decision per customer that remains traceable in an audit-proof way, in real time or in batch.
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EUDI Wallet for banks
The EUDI Wallet is the EU's state-issued digital identity under eIDAS 2.0. The German wallet launches in early 2027; from December 24, 2027 banks must accept it as proof of identity. ACCELERAID helps banks bring verified attributes such as identity, residence or income into the Customer Data Platform with consent and turn them into Next Best Product and beyond-banking offers.
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Virtual advisor
A virtual advisor in the banking app is an AI assistant that works on the individual customer's data: transactions, limits, due dates, benefits, consents. It explains what the numbers mean, suggests the next step and acts within the bank's rules. A helpdesk bot knows your FAQ; the advisor knows your customer.
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Visa mandate 2027
By 23 January 2027, Visa requires card issuers in most European markets to display enhanced merchant data in app and online banking: trading name, address, phone, website. Mastercard has required this under AN4569 since October 2023. ACCELERAID turns that mandatory data layer into categories, subscription detection, signals and Next Best Action, with consent per purpose.
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Why ACCELERAID
Built for regulated banking in Germany, Austria and Switzerland.
One data loop
Enrich transaction data, merge it in the CDP, make decisions, deliver in the app, feed reactions back into the data. Every use case uses the same loop.
People decide
Rules, approvals and audit-proof logging are part of the architecture. Models suggest; your business team defines what is delivered and executed.
Data protection as architecture
GDPR and DPA, hosting in Frankfurt, PII filter before every model call, tenant separation, SOC 2 Type I certified. ISO 27001 and PCI DSS via the certified data center.
In 30 minutes we show what ACCELERAID can look like in your bank – with your data, your products and your rules.