Client & Revenue Optimization

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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Anticipates exactly which balances or credit lines might soon be withdrawn, along with the reasons behind the potential loss.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 & Teams 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.

Problems (or Missed Opportunities) Solved

  • 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.
  • 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.
  • 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.
  • 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.
  • 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

KYC Automation for a German Payments Fintech

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

Conversational AI for a Spanish Insurance Firm

A traditional Spanish insurance provider with 85 years of history, 950 employees, and €280 million in annual premiums across home, auto, life, and commercial lines.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

Real-Time Fraud Detection in UK Digital Payments App

A fast-growing UK-based mobile payment application with 165 employees processing approximately £1.3 billion in annual transaction volume with around 700k active users.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

AI Copilot for Treasury Operations at a Spanish Payment Orchestration Platform

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

  • 28% conversion increased
  • 40% improved performance
Read Case Study

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.

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Process Flow

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.
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.
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.
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.
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.
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

Investing in Your Future

We’re passionate about innovation. By continuously investing in cutting-edge technologies like edge computing, quantum-inspired analytics, and advanced ModelOps, we keep your solutions ahead of the curve. Our proactive approach ensures you’re always ready for regulatory shifts, operational changes, and client expectations, giving you confidence and peace of mind.

No-Cost, Deep-Dive Discovery

Your journey with us begins with a thorough, complimentary discovery session guided by our financial industry experts. Together, we’ll identify your needs, gaps, and the greatest opportunities to maximize your investment at no cost. Also, to make sure you see tangible results, we offer a risk-free proof-of-concept backed by a money-back guarantee—ensuring outcomes, not just promises.

Focused Financial Expertise with Global Reach

Finance isn’t just one of our markets—it’s our only market. Our team consists of dedicated banking technologists, finance-savvy engineers, and compliance specialists who know global regulations inside and out, including MiFID, FATCA, AML, and Basel III. Thanks to this deep expertise, your deployments are smoother, faster, and yield immediate returns.

Giving Back Together

We believe transformation goes beyond your company. At least 3% of your project’s net proceeds go directly to a charity you select—whether that’s supporting climate action, advancing education, or boosting economic literacy around the world. Aspagnul handles all administration, providing full transparency, so your investment creates lasting global impact.

Continuous Support When You Need It Most

We don’t disappear after launch. Aspagnul provides 80 days of complimentary 24/7 post-deployment support, ensuring your team feels confident and supported at every step. Our dedicated success team will monitor performance, optimize workflows, and help your teams smoothly adapt to regulatory changes, user feedback, or evolving business needs—ensuring lasting success across your entire organization.

Frequently Asked Questions

We combine purchase history, app-usage patterns, service tickets, and survey comments into one timeline for each customer. The AI compares today’s activity with thousands of past “good-bye” stories and assigns a daily risk score plus the three biggest warning signs—giving you time to act before the customer leaves.
Yes. The platform ranks every client by revenue today, growth potential tomorrow, service cost, and engagement depth. A colour-coded chart highlights “High-Value / High-Growth” customers and flags “Low-Value / High-Cost” users, so budget and service hours go where they matter most.
Each alert links to a ready-made playbook—“Offer fee waiver,” “Send savings-goal reminder,” or “Schedule personal call.” One click pushes the task to your CRM or marketing system and tracks the amount gained or saved after the action.
Absolutely. You can launch with one module—say churn alerts—on a few thousand accounts, then add segmentation or pricing later. The software runs in your cloud or on-prem data centre and scales as you grow.
Every score opens with an explanation panel that lists key factors, data sources, and fairness checks. Continuous monitoring spots drift, flags bias, and stores every model version for auditors and regulators.
Because the system trains on your historical data before go-live, most banks and fintechs see a 5–10 % drop in churn or a 15 % jump in cross-sell conversions within 30–60 days of launch.

Let’s 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.

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