Key takeaways
- H2O Driverless AI builds propensity and recommendation models from your transaction history, product holdings, and customer profiles, with a reason code on every score.
- A propensity score for each customer and product tells relationship managers and digital channels who to contact, with what, and why.
- Scores feed the campaign, CRM, and channel tools you already run; H2O Driverless AI is the scoring layer underneath them.
- An agent can turn a customer's transaction patterns into a tailored, plain-language suggestion for a relationship manager to review.
The same offer goes to everyone
Your customers already tell you what they need through how they bank. Salary deposits, card spend, a growing savings balance, or a new mortgage enquiry all signal the next product, but most offers are still built from broad segments.
Broad offers waste contact budget and wear out customers. The customer who was ready for a credit card gets a savings promotion, and the one who just refinanced gets a loan offer.