Personetics Technologies

Personetics Technologies

Personetics' self-driving finance platform for banks to anticipate a customer's personalized banking needs through artificial intelligence.


Personetics Technologies is an artificial intelligence (AI) company for personalized banking experiences. It was founded in 2011 by David Sosna and David Govrin in Tel Aviv, Israel, but is now located in New York, New York. The company refers to its platform as a "self-driving finance platform."

Self-driving finance platform

The self-driving finance platform is composed of three products:

  • Act (an automated and algorithm-based financial management tool)
  • Engage (personalized financial guidance tool)
  • Assist (AI and machine learning-powered chatbot)

Act is a financial management tool powered by algorithmic automation. The tool was developed to assist users in reaching their long-term financial goals. Act features an automated savings feature that uses AI to detect available funds and then transfers those funds to a savings account.

Additionally, the AI-based risk strategy tool can identify recurring income deposits and determine what portion of recurring paychecks is suitable for transfers to a savings account. The AI can also parse out funds into tax-advantaged savings accounts, like Roth IRA's or a traditional IRA account, to assist users with investing. It also assists in debt-reduction through automated transfers to and recommendations for prioritized credit accounts.

Act also provides its users with "smart budgets" or budgets developed to reduce unnecessary spending by assessing past purchases based on the purchase categorizations.


Engage is a personal finance management tool that provides insights and feedback for developing a healthy financial future. It is updated in real-time to help users avoid low account balances and keep accurate financial records.

Engage also analyzes user-specific data and develops "actionable" insights, or insights that the user can practically apply daily. It uses customer data over time to improve personalized recommended actions and captures customer feedback (likes, ratings, etc.) for the algorithms' continued development.

Banks can also utilize the engage tool to manage pre-built insights and develop new ones using the Personetics API framework.


Assist is an AI and machine learning-powered chatbot. Assist leverages natural language processing with a specialization for financial services. It uses predictive analytics to anticipate customer questions based on recent transaction data. The assistant can perform various tasks, including making payments, changing passwords, and setting up appointments.


Personetics is white-labeled by several large, globally branded banks to provide insights to customers. Some of the partners include:


December 5, 2019
Personetics, a leading provider of AI-powered personalization and customer financial wellness solutions used by some of the world's top banks, announced that it has joined the Amazon Web Services (AWS) Partner Network (APN)
October 24, 2019
Fujitsu and Personetics Announce Partnership to Accelerate Japan's Financial Digital Transformation

Fujitsu Limited, Japan's leading information and communication technology (ICT) company, and Personetics, the global provider of AI-powered personalization and customer advocacy solutions used by the world's top banks, today announced a new partnership that leverages Personetics' cognitive AI recommendation engine for Fujitsu's new personalized banking cloud service for its Finplex range of SOE solutions.

March 21, 2019
MX and Personetics partner to bring AI-driven personalized insights and advice to their financial institution customers
February 5, 2018
Tandem Banks Partners with Personetics To Give Users AI-Powered PFM
June 18, 2013
Personetics Technologies raises a $11,500,000 series B round from Carmel Ventures, Lightspeed Venture Partners and Sequoia Capital.
May 25, 2011
Personetics Technologies raises a $6,500,000 series A round from Carmel Ventures and Sequoia Capital.

Funding rounds



Further reading


Data-Driven Personalization Reaches A Tipping Point In Banking

Jody Bhagat


October 9, 2020

Discount Bank Takes Home "Best Use of AI" Award for Personetics Powered Auto-Saving Program at RBI European Awards



December 10, 2019

MX and Personetics partner to bring AI-driven personalized insights and advice to their financial institution customers



March 21, 2019

Personetics Empowers Banks With Self-driving FinanceTM on Oracle Cloud



November 13, 2019

Personetics joins ecosystem

Editorial Team


March 24, 2020

Documentaries, videos and podcasts





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