Capture More of Your Customer’s Wallet with AI-Driven Insights

Unlock deeper customer value with AI-powered analytics. Discover how data-driven insights can boost sales, increase retention, and maximize customer lifetime value.

1. Banks and credit unions have immense untapped value in customer financial data, yet many miss the opportunity to deepen relationships. Most banks engage with only a fraction of the customer’s financial activity—while digital challengers continue to gain ground.

2. The Challenge: Missed Cross-Sell and Upsell Opportunities Only 3% of banks engage over 80% of their customers’ wallet share Most connect with just 10–20%, while industry leaders reach up to 60% FinTechs and neobanks now account for 1 in 10 new primary accounts Traditional FIs underuse data for segmentation and product personalization The Lumify360 Solution: AI-Powered Share of Wallet Insights Integrates with 200+ data sources and core systems Prebuilt dashboards for product expansion opportunities Embedded Power BI with ready reports Kaia delivers AI-driven insights, charts, and trend analysis Built-in issue tracking and upcoming CRM integration

3. How Lumify360 Helps Boost Share of Wallet Identify top customer accounts with AI-driven next-best action suggestions Segment by revenue potential (interest and non-interest income) Personalize campaigns using behavioral insights Reveal hidden trends in product usage and unmet customer needs

4. Seize Growth Opportunities with Predictive Analytics Lumify360 gives banks and credit unions the intelligence needed to: Strengthen customer relationships Discover untapped wallet share Boost marketing performance Stay competitive against digital-first challengers

5. About 360factors   360factors Inc. is a pioneering risk and compliance management technology company that empowers organizations with comprehensive, AI-driven solutions. Our flagship products, Predict360 and Lumify360, provide advanced capabilities for managing business performance and risk while ensuring regulatory compliance. Predict360  integrates risk and compliance processes into a single, integrated GRC platform to streamline regulatory compliance, improve efficiency, and reduce risk while providing predictive insights and recommendations with advanced AI technology. Lumify360 captures, integrates and enriches internal and external KPI and KRI data with strategic goals, business objectives and risk appetite with a complete integrated, out-the-box predictive data analytics platform including seamless Power BI reporting for end-user reporting and visualization, AI-driven insights and an automated workflow engine to make this data actionable.