For banks, card issuers and finance apps
Six use cases, one data loop:
AI in the banking app that customers actually use.
ACCELERAID connects transaction data, Customer Data Platform and decision logic into features customers see in the app. Each page explains the benefit, architecture, data protection and the path to launch, with sourced figures.
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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 for banks, with AI in your app.
The banking app explains customers' money to them and suggests the next sensible step.
- Runs inside your existing app, no rip-and-replace
- Insights, nudges and advice from the same data
- Hosted in Frankfurt, PII filter, SOC 2 Type I certified
“Can I afford the trip before my next statement?”
Yes. After the €842 due Oct 20, you have €2,140 left.
Turn transaction data into customer moments.
Cryptic posting lines become merchants, categories, subscriptions and life-event signals.
- Merchant, category and context for every posting
- Consent and purpose documented per signal
- Data quality check in two weeks, then CLM
PAYPAL *NETFLX 4029357733 LU · €17.99
Netflix · Streaming · monthly · for 14 months
Next Best Action in banking: a checked decision not a propensity list.
One checked decision per customer: which action, which channel, which moment.
- One decision per customer, not one list per campaign
- Rules and constraints check every model output
- Every decision logged with its reasoning in an audit-proof way
Term deposit of €25,000 matures in 21 days. No follow-on product on file.
Advisor callback Thursday 5 pm, topic reinvestment. Channel: phone, not push.
EUDI Wallet: mandatory by December 2027. An advantage today.
From December 2027, banks must accept the EUDI Wallet. With consent, verified attributes become usable.
- Timeline and relying-party tasks, factual and dated
- Verified attributes as consent-based signals in the CDP
- Swiss e-ID in the same model
Identity, residence Mannheim, over 18: confirmed. Frequent flyer status: shared with consent.
“Your flight to Lisbon: activate a Portugal eSIM? One tap, no documents needed.”
Not a helpdesk bot. A virtual advisor that knows your customer.
An AI advisor in the app that works with each customer's own data, within the bank's rules.
- Answers from customer data, not just help articles
- Acts within your rules and hands over to people
- PII filter before every model call, hosted in Frankfurt
“Is the gold card worth it for me?”
An answer based on actual spending behavior, not the product brochure.
Visa mandate 2027: comply, then use the data.
From 23 January 2027, Visa requires clear merchant names in app and online banking. The obligation becomes usable signals.
- Timeline, fields and scope of both mandates at a glance
- One data foundation for compliance, PFM and Next Best Action
- Hosted in Frankfurt, consent per purpose, SOC 2 Type I certified
SUMUP *BLUMEN K MANNHEIM 34.90
Blumen Kaiser, Mannheim · Florist · Phone · Website · 2nd visit