AI + Behavioral Science Innovation Edge

Using the strictest data privacy standards, Motiv8’s patented AI aggregates and analyzes anonymized smartphone metadata to understand psychological traits that predict behavior.

We leverage anonymized smartphone metadata and years of psychological research to reveal intricate behavior-finance links

Unlike traditional AI models that solely rely on historical data, our approach integrates years of behavioral science research.Enabling financial institutions to make more informed decisions about their clients.

No historical
data is required
Sentimentality
Stability seeking
Rationality
VIP
Conscientiousness

Proven Impact

Transforming Global Financial Institutions Worldwide with Tangible Results

30%
30% improvement
in approval rate
100%
We were able to identify
potential “sloppy payers”
25%
Over 25% improvement in
reducing default rate
50%
50% more
responsive users
Strategic partners

Client-Centric Digital
Banking Experience

End-to-End Client Journey Benefits

Risk Assessment

Features

Credit Scoring with a
value added insight

Increase Approval Rate by 30%

Over 35% decrease in default rate

Approval & Real time screening

Works in conjunction with traditional assessment performance

Works on thin files and
unbanked population

Benefits
Reducing Default Rate:
Recovers Banks Losses
Increasing Approval Rate
recovers Potential Revenues
Default Probability
1
Behavioral
6
1
Historical
6
Composite
1
6

Financial Behavior

Features
Our Scoring is more
than a number!

Timely loan payment:
Early – Sloppy

Risk Taking Trait:
Prudent – Risk Taker

Identifying population that is committed to meeting their financial obligations

Not relying on historical transactions only

Benefits
Detecting Profitable Population Equitable lending approach
Enables Pricing Optimization Increase Customer Lifetime Value
Credit score
1
Behavioral
6
Early Payer
Sloppy Payer
Prudent
Risk Taker

ELEV8 GEN AI Hyper Personalization

Personalized content and communication means based on personality traits

How to communicate best with clients…

Customer type probability
Sentimental
80%
VIP
Stability seeker
Anxious
Cognitive style
Rational
Intuitive
Content
message focused according to personality type
Design
e.g., images vs text, type targeted images
Tone
e.g., data focused vs emotion focused information
Detail
i.e., short and concise messages vs elaborate ones

Product Matching

Based on Personality and Motives

Engaging, Matching and Improving Conversion

Population
Stability seekers
Informative Message
Financial Behavior
Early payers
VIP + Rational
Message with
concrete facts
Financial Behavior
Sloppy payers
Engage
Match
Convert
Product
Cashback
Card
Platinum
Card
Rewards
Card

Key Differentiators

01

Distinctive insight

The only platform that is doing real patented behavioral science and AI to generate a prediction of behavior that can be applicable for multiple personalized prediction.

02

Seamless user journey

Not affecting the on-boarding process with new permissions / questionnaires / new requirements

03

Not Requiring any 3rd Party Data or Prior History

Our solution leverages only customer-provided data and the user's mobile usage without the need for third-party information or data accumulation.

04

Strict Privacy

MOTIV8AI has invested in meeting global regulatory requirements in target markets, including GDPR (General Data Protection Regulation), LGPD, and ISO standards. Our solution also adheres to strict privacy requirements.

Motiv8AI upholds the permissions shared by the bank. It keeps the user journey seamless as it doesn’t interfere with onboarding or demand new requirements.