Product
Relationship Layer helps banks turn everyday customer needs into personalised journeys that drive engagement, financial product conversion and partner-funded revenue.
Banks have customer data and financial products.
Customers have everyday needs and goals.
Relationship Layer connects the two.
More than a chatbot, a loyalty programme or a marketplace.
Relationship Layer combines customer context, proprietary expert-curated solutions and AI to connect everyday needs with banking products, commerce and payments.
Customer context
Proprietary solutions
AI
Banking
Commerce
Payments
More reasons to return
Give customers useful everyday journeys inside your banking app.
Relevant financial product opportunities
Connect customer goals with appropriate banking products at the right moment.
Partner-funded revenue
Generate merchant commissions from attributable purchases, under agreed commercial terms.
Less to build in-house
Access the platform's proprietary solutions, personalisation and lifestyle expertise through an integration tailored to your bank.
Personal recommendations
Recommendations that feel personal, not promotional — grounded in context the customer chooses to share.
Transparency and control
Full transparency and control over what's used and why, with the ability to adjust or withdraw at any time.
Engagement
Active users, repeat sessions and completed customer journeys.
Conversion
The share of users who complete a defined purchase or banking product action.
Revenue
Attributable merchant commissions and banking product revenue.
Retention
The share of users who return after 7, 30 and 90 days.
Pilot KPIs, measurement periods and attribution rules are agreed with the bank before launch. Results are assessed against an agreed baseline and, where feasible, a comparable control group.
The platform’s commercial model combines platform fees with agreed revenue sharing from eligible partner purchases. Pricing, revenue allocation and attribution are defined for each bank and market.
A bank-specific business case is prepared before the pilot, using clearly stated assumptions.
Start with one customer segment and one use case. Together, we define the commercial model, agree measurable KPIs and validate the business case through a controlled pilot.
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