From Product Push to Advisory Intelligence
Indian banks spend crores on campaigns. Customers still feel marketed at, not understood. Txn37.AI turns every transaction — across Credit Cards, CASA & UPI Wallets — into a precise, timed sales action delivered to every channel in your bank.
Book a DemoBanks are pushing products.
Customers need advice.
Every month, relationship teams run the same campaigns — home loans to everyone, credit card upgrades to all, insurance mailers to those who don't want them. The result: low conversion, high opt-outs, and customers who feel marketed at, not understood.
Product-Tower Thinking
Each product team runs campaigns in isolation. A single customer gets hit 5x a month with unrelated offers from different towers — no coordination, no context.
No Need Identification
Campaigns are batch-and-blast. Banks don't know if a customer actually needs a home loan or just returned from international travel. Every message is a guess.
Missed Revenue Signals
Salary credits, EMI end dates, high-spend categories, FD maturities — thousands of intent signals go unread every day. The revenue opportunity walks by unnoticed.
From generic campaigns to
hyper-personalised advisory selling
How banks sell today
- ✕Monthly batch campaigns per product tower
- ✕Same offer sent to all customers in a segment
- ✕No timing intelligence — campaigns go out on the 1st
- ✕Branch RMs have no visibility into customer needs
- ✕1–3% conversion rates on generic mailers
- ✕Customers feel marketed at, not advised
How Txn37.AI enables selling
- ✓Real-time need signals from cards, CASA & wallets
- ✓Each customer matched to the most relevant product
- ✓Timing engine predicts when a customer is likely to buy
- ✓App, branch, IVR, CRM — all get the same intelligence
- ✓Double-digit conversion on hyper-personalised nudges
- ✓Bank becomes a trusted financial advisor
Txn37.AI — The Advisory Intelligence Engine
We ingest raw transactions from Credit Cards, Savings Accounts & Payment Wallets and convert them into need signals, propensity scores, and timing intelligence — delivered to every channel in your bank through a single API.
From a cryptic string to a
personalised sales action
Classify & Enrich
Flight tagged as Travel/International. Hotel booked via Agoda. Forex charge confirms trip is live.
Pattern Recognition
Customer has booked international travel 3x in 6 months. No premium card. Spends ₹2.4L/year abroad.
Need Identification
Customer needs travel insurance, forex card, premium card upgrade with lounge access. High propensity.
Timed Sales Action
Next day: RM + App nudge → Infinia card upgrade + Ergo travel cover. Timing: 24 hrs before departure.
One platform. Every spend signal.
Txn37.AI ingests and analyses transactions across all three customer spending pools — creating a 360° financial profile that no single product data source can achieve.
Credit Cards
- ›Category-level spend patterns
- ›Merchant-level intent signals
- ›Reward utilisation & gaps
- ›International spend & forex usage
- ›Revolving balance & EMI patterns
Current Account & Savings Account (CASA)
- ›Salary credit timing & amounts
- ›SIP & investment outflows
- ›Recurring bill payments
- ›FD maturity signals
- ›Low balance trigger alerts
Payment Wallets & UPI
- ›Daily spend frequency & volume
- ›Category mix (food, transport, utilities)
- ›Merchant loyalty patterns
- ›Split payment behaviour
Real signals. Precise timing. Every channel.
Infinia Upgrade + Travel Cover
Pre-approved Home Loan
First Credit Card Acquisition
SIP Restart + Fund Suggestion
Not a cost centre.
A revenue multiplier.
Cross-sell on Identified Needs
Loans, insurance, investments triggered by real signals. High conversion, high ticket.
Card Upgrade Campaigns
Right customer, right time, right benefit prop. Joining fees + increased spend.
Wallet Share Recovery
Spend shifting back from competitor cards and UPI. Interchange + reward float.
Churn Prevention
Early signals of disengagement — proactive intervention to retain high-value customers.
One API. Every point of sale.
Txn37.AI is not a reporting product. It's a decision-intelligence layer that plugs into any channel through a single REST API — so every interaction is informed by the same intelligence.
{
“customer_id”: “IND_CC_8872”,
“include”: [“needs”, “propensity”, “timing”]
}
// Response →
{
“top_need”: “card_upgrade”,
“propensity_score”: 0.87,
“best_channel”: “mobile_app”,
“trigger_window”: “next_48h”,
“recommended_product”: “Infinia_CC”
}
- 📱Mobile Banking App
- 💻Internet Banking
- 🤝CRM / MarTech Stack
- 🏦Branch & Virtual RM
- 📞IVR / Contact Centre
- 💬WhatsApp Banking
Built for India. Designed for scale.
India-Trained Taxonomy
4-tier classification fine-tuned on Indian merchant descriptors, UPI patterns, and regional spend behaviours across all bank formats.
Network Effect Moat
Every transaction processed improves merchant resolution accuracy. Your bank's data keeps improving the model — and switching costs grow over time.
DPDP Compliant
Zero PII retention by default. On-premise deployment available. Built for RBI's data localisation requirements.
Drop-In Integration
Single REST API. Works with CBS, CRM, mobile banking SDKs, and MarTech stacks. No rip-and-replace required.
Multi-Format Ingestion
Credit card statements (PDF/CSV), CASA data feeds, UPI transaction logs, and live API integration — all handled natively.
Revenue SLA Model
We go to market on a revenue-sharing or per-lead model. Txn37.AI succeeds only when your bank generates more revenue.
Start with a 90-day POC.
See the revenue difference.
Share 6 months of anonymised transaction data. We deliver enriched insights in 2 weeks. Then run a pilot campaign alongside your current approach and measure the lift side-by-side.
Data Access
Share 6 months of anonymised transaction data across cards, CASA and UPI. We handle ingestion and enrichment.
Insights Delivery
Within 2 weeks: enriched transaction data + need signals + propensity scores for your customer base.
Pilot Campaign
Run 2–3 hyper-personalised campaigns vs your current batch approach. Measure conversion lift side-by-side.
Full Integration
API integration to your channels of choice. Revenue-share or per-lead model. No upfront commitment.