Client & Revenue Optimization
Convert customer acquisition with secure, compliant identity verification, accelerating your onboarding process while reducing risk.
We partner with industry leaders
Core Solutions We Offer
Aspagnul’s Client & Revenue Optimization suite helps financial institutions accelerate growth, retain customers
effectively, and capitalize quickly on opportunities that maximize revenue.
Attrition & Deposit-Flight Predictor
Anticipates exactly which balances or credit lines might soon be withdrawn, along with the reasons behind the potential loss. Relationship managers receive daily insights highlighting the at-risk capital, along with specific incentives—such as rate adjustments, reward upgrades, or timely outreach—that will most effectively retain those accounts.
Dynamic Pricing & Margin Optimizer
Automatically identifies the ideal pricing and fees for each customer segment based on their sensitivity, boosting net interest margins and fee income without risking customer loss. Finance and product teams gain the flexibility to make rate adjustments quickly, responding to market shifts within hours rather than months.
Wallet-Gap Simulator & Next-Best-Product Engine
Identifies precisely the one additional product—whether it’s a credit card, insurance policy, or investment product—that would deliver the greatest additional revenue for each customer. Opportunities are quantified clearly, allowing relationship managers and digital channels to confidently pursue targeted cross-sell initiatives rather than relying on guesswork.
Personalised Loyalty & Reward Orchestrator
Secures customer loyalty and protects deposits by matching individuals with rewards that feel highly valuable but remain cost-effective for the institution—such as airline miles, cash-back offers, or premium services. This tailored approach replaces costly broad incentives with precise, margin-friendly perks.
Customer Financial-Health & Duty Score
Evaluates the impact of pricing adjustments and product offers on each customer’s overall financial health, highlighting vulnerable accounts and clearly demonstrating to regulators that all decisions support positive customer outcomes, complying seamlessly with Consumer Duty and fair-value regulations.
Explainable AI Governance Hub
Provides instant transparency into all AI-driven scores, from attrition risk to price sensitivity, with clear explanations, bias assessments, and full historical logs. Regulators and internal governance teams can effortlessly review models and decisions, satisfying compliance without manual effort.
Industries That Benefit
Retail, Commercial & Private Banks
Proactively retain high-value accounts, improve profitability through targeted marketing, and maintain compliance effortlessly, safeguarding customer relationships and boosting financial performance.
Wealth & Asset Managers, Family Offices
Detect early signs of disengagement from high-value clients, enabling personalized, timely outreach. Uncover additional investment or lending opportunities to deepen relationships and safeguard assets under management.
Digital Banks, Fintech & BNPL Platforms
Improve customer acquisition and retention by reducing onboarding friction, optimizing real-time pricing, and enhancing user profitability—all without expanding operational teams.
Insurance Providers & InsurTech Companies
Boost policy renewals and customer loyalty through predictive insights and targeted incentives, proactively addressing customer dissatisfaction before it escalates into churn or regulatory scrutiny.
Consumer & SME Lenders, Card Issuers
Protect loan profitability and credit-line utilization through proactive retention strategies, personalized pricing, and tailored cross-selling insights, enhancing customer lifetime value without adding operational complexity.
Investment Managers, Hedge Funds & PE/VC Firms
Strengthen investor relationships by proactively identifying disengagement, pinpointing cross-fund opportunities, and maintaining rigorous transparency in investment decisions, satisfying both investors and regulators.
Brokerages & Online Trading Platforms
Reactivate dormant accounts and boost trading activity with targeted engagement nudges and precise cross-sell insights, increasing trading volume and revenue.
Credit Unions & Regional Banks
Focus limited resources effectively with profit-segment insights, discover unmet customer needs efficiently, and ensure regulatory comfort through built-in transparency, empowering smaller institutions to compete confidently.
Industries That Benefit
Proactively retain high-value accounts, improve profitability through targeted
marketing, and maintain compliance effortlessly, safeguarding customer relationships and boosting financial
performance.
Detect early signs of disengagement from high-value clients, enabling
personalized, timely outreach. Uncover additional investment or lending opportunities to deepen relationships and
safeguard assets under management.
Improve customer acquisition and retention by reducing onboarding
friction, optimizing real-time pricing, and enhancing user profitability—all without expanding operational teams.
Boost policy renewals and customer loyalty through predictive
insights and targeted incentives, proactively addressing customer dissatisfaction before it escalates into churn or
regulatory scrutiny.
Protect loan profitability and credit-line utilization through proactive
retention strategies, personalized pricing, and tailored cross-selling insights, enhancing customer lifetime value
without adding operational complexity.
Strengthen investor relationships by proactively identifying
disengagement, pinpointing cross-fund opportunities, and maintaining rigorous transparency in investment decisions,
satisfying both investors and regulators.
Reactivate dormant accounts and boost trading activity with targeted
engagement nudges and precise cross-sell insights, increasing trading volume and revenue.
Focus limited resources effectively with profit-segment insights, discover unmet
customer needs efficiently, and ensure regulatory comfort through built-in transparency, empowering smaller
institutions to compete confidently.
Industries That Benefit
Retail, Commercial & Private Banks
Proactively retain high-value accounts, improve profitability through targeted marketing, and maintain compliance effortlessly, safeguarding customer relationships and boosting financial performance.
Problems we solve
1.
Losing Clients Silently
Many banks discover a deposit has exited or a card has gone dormant only after balances post to a competitor. Aspagnul surfaces churn or flight-risk alerts in the CRM the same day behavioural patterns shift, giving frontline teams time to act.
2.
Wasting Resources on Low-Value Clients
Without profit-tier clarity, marketing and CX budgets drift toward users who generate little spread or fee income. Real-time segmentation highlights high-LTV, high-ROE customers and automatically suggests where to trim spend.
3.
Unaware of What Makes Users Drop Off
Onboarding snags, pricing pages, or payment failures often leak revenue unnoticed. Our analytics rank the exact screens, policy steps, or copy that cause the largest losses, so product owners fix the right issue first.
4.
Revenue Forecasting Is a Guess
Manual models rely on quarterly snapshots and miss mid-month behaviour swings. Aspagnul ties live journey data to finance forecasts, letting CFOs lock budgets—or adjust guidance—daily instead of quarterly.
5.
Missing Low-Hanging Cross-Sell and Upsell
Generic or mistimed offers annoy customers and waste relationship-manager effort. Precision timing delivers the product, price point, or perk each client is most likely to accept, cutting spam complaints and shortening offer-to-accept cycles.
Case Study
Real Results from Financial Leaders
Certifications & Compliance
Benefits of Using the Solution
Keep More Clients—No Guesswork
Attrition & Deposit-Flight Predictor flags balances at risk days in advance, letting teams intervene early. Institutions typically cut churn or runoff by 15 % in the first quarter after launch.
Target High-Value Users First
The Profitability Engine automatically shifts retention, upsell, and service spend toward top-quartile, high-ROE segments, ensuring marketing dollars work where lifetime value is highest.
Make Smarter Product and Service Decisions
Analytics identify the exact pages, fees, or service steps that drive customers away. Teams fix the biggest pain points first, keeping more clients and increasing the income each one brings.
Increase Revenue with Precision Offers
Dynamic Pricing and Wallet-Gap engines trigger the right product at the right personalised price, doubling typical cross-sell uptake and lifting average revenue per user (ARPU).
Manage the Full Client Lifecycle, Not Just Acquisition
From first click to loyal advocate, dashboards track profit, sentiment, and wallet share over time, arming leadership with a 360° view of growth levers—acquisition, expansion, and retention.
Unlock Intelligent Growth
From onboarding automation to compliance and fraud detection, Aspagnul delivers end-to-end AI-powered solutions that drive efficiency, security, and scale for modern financial institutions.
Let’s get in touch
Process Flow
Step 1: Data & Journey Mapping
We review every part of your customer’s path—sign-up, daily use, renewal, and feedback—and draw a visual map that shows exactly where people drop out and where the biggest revenue spikes occur.
Step 2: Historical Behaviour & Revenue Modelling
Our system studies past data to learn when customers left, where they stalled, and who bought extra products. This creates a “before” forecast that becomes the yardstick for measuring improvement.
Step 3: Predictive Modelling & Recommendation Engine
Artificial intelligence scores each customer for churn risk and predicts the best action to grow revenue or keep them loyal. Every client record now shows a clear risk number and a suggested next step.
Step 4: Segmentation & Action Playbooks
You receive clear customer groups and easy-to-follow playbooks for sales, marketing, product, and service teams. Each team sees exactly which email, phone call, or in-app prompt to send—and when.
Step 5: Live Forecast Dashboards
Real-time dashboards display expected churn, sales progress, and key customer activities. Executives can view revenue impact by region, product line, or customer group at any moment.
Step 6: Continuous Optimisation
The models keep learning from new data, so insights stay accurate without manual retraining. Every fresh campaign, behaviour change, or market shift automatically updates the recommendations.
Why Aspagnul Is the Ideal Partner
Frequently Asked Questions
How do you identify churn before it happens?
We consolidate purchase history, app usage, service tickets, and customer feedback into a single profile. AI models compare current behaviour against historic churn patterns and generate a daily risk score with the top warning signals—giving teams time to act proactively.
Can you show us who our most valuable customers are?
Yes. Clients are ranked by current revenue, future growth potential, service cost, and engagement depth. Dashboards highlight “High-Value / High-Growth” customers and flag low-value, high-cost segments so resources can be directed where they create the most impact.
What actions can we take with these insights?
Each alert links to a recommended playbook (e.g., fee adjustment, product reminder, personal call). Actions are pushed directly into your CRM or marketing platform and tracked against revenue gained or churn prevented.
Is the AI transparent and compliant?
Every score includes an explanation panel with key drivers, data sources, and fairness checks. Continuous monitoring detects drift or bias and stores all model versions for audit and regulatory review.
How quickly will we see measurable results?
Because models are trained on your historical data before go-live, most institutions achieve a 5–10% reduction in churn or a 15% increase in cross-sell conversions within 30–60 days approximately.
How does this integrate with our existing systems?
We can connect with leading CRMs, marketing automation tools, and data warehouses via prebuilt APIs. This ensures insights and playbooks flow directly into the systems your teams already use every day.
Get in touch
We’re excited to hear from you and to start something special together.
- Money-back guarantee if you don’t receive what we promise.
- Full financial and technical analysis of your current situation.
- Full support from the moment of our first contact.
Contact Information
Turn your financial operations with purpose-built AI solutions from Aspagnul that reduce costs, accelerate growth, and ensure regulatory compliance across financial institutions.