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Solutions
Hyper-Personalized Lending
Hyper-Personalized Lending
Understand your customers, tailor your engagement and transform your business with our “loan acquisition as a service” solution.
Two-thirds of customers today expect their banks to know their needs, deliver personalized engagement and tailor offers exclusively for them. But many lenders continue to drive a non-personalized approach to customer acquisition, with irrelevant offers and one-size-fits-all comms. The result? Low conversion rates and dissatisfied customers.
Five years ago, that would have been shortsighted. But today, with new digital-savvy fintechs driving growth in consumer loans, lenders without a customer-centric engagement strategy are facing a big problem.
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What could this solution do for you?
Meet with our team and discuss how we can improve personalization efforts.
Loan acquisition as a service
We offer an end-to-end solution for banks looking to improve their acquisition strategy by targeting the right customers in the right places with hyper-personalized customer journeys.
Our turnkey solution transforms your lending funnel and platform without the need to secure investment and deliver costly new technology from scratch.
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Our solution is based on four key principles:
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Intent
Assessing your customers' wants and needs and identifying the audience with the highest intent.
Top of mind
Using online and offline triggers, reaching your target audience when lending is top of their mind.
Personalization
Delivering personalized engagement that resonates with their wants and needs.
Always on
Listening to emerging signals and being first with personalized engagement.
A 360-degree view of your customer
It all starts with the customer.
Through Publicis Groupe company Epsilon, we have access to personal data from more than 200 million customers. We enrich this with your own data to create a personalized view of each customer.
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Who am I?
Demographics
and lifestyleWhat I buy?
Online and
of ̃ine purchasesWhat I watch?
Broadcast and
digital consumptionWhat I browse?
Online
interactionsWhere I go?
Location and
proximity
intelligenceHow I connect?
Cross-device
information
In total, we scrutinize more than 7,000 attributes to build a holistic picture of your target audience.
A tale of two customers
Take these two customers. From a demographic perspective they’re
identical.
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Demographics
Female 60, Married, Income $250K
CHICAGO, ILDemographics
Female 60, Married, Income $250K
CHICAGO, IL
But delve deeper into their details and a different picture emerges. They have different needs, different interests and desires and they interact across different touchpoints. They’re two unique individuals. We’ll target these customers with messaging tailored their requirements on their favorite platforms.
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Recent Browsing
Home Improvement, Organic Produce,
Farm Shares, Exercise Equipment, Yoga
Individual Attribute
Gardner, In-store Channel Preference,
Gift Giver, Golf Enthusiast, Home CookRecent Browsing
Real Estate, International Travel,
Health and Ageing, Luxury Fashion
Individual Attribute
Online Channel Preference, Dining Out,
Beauty Consumer, Fitness Enthusiast,
Music Enthusiast
Hyper-personalized messaging
Whether they want to borrow money to pay for a new swimming pool, cover medical expenses or consolidate their debts, we will identify their context, wants and needs and design personalized messaging that resonates with them.
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We’ll create and test these value propositions and manage the activation and channel optimization to ensure the right messaging reaches the right customers in the right places. We’ll also create individual path-to-purchase journeys to engage, nurture, retarget and convert each customer, wherever they are in their journey.
Test, optimize, scale
With your value propositions and activation strategies defined, we’ll run a pilot test to optimize your strategy. Using multiple data points, we’ll assess the effectiveness of the messaging, refine the intent model based on the customer response and optimize your acquisition strategy against your business objectives.
Some key stats from our existing clients
Bespoke pricing plans
Due to the modular, integrated nature of our solution, each solution we create is unique. We can price on business outcomes, journey outcomes or on the number of components required for your bespoke lending solution.
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A solution for any business
Although built with lending in mind, our solution can be customized to almost any financial services product, including:
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Credit products
Loans, home equity, mortgages, credit cards.
Deposit products
Checking, savings.
Wealth management
Brokerage, investment products, advisory services.
Insurance
Home, motor or health insurance.