Introducing

We identify the WHY behind the WHAT

of banking behaviors

Harnessing the power of psychology and AI, Motiv8 revolutionizes the way financial institutions evaluate, target, and monetize thin- or zero-file customers.

The Challenge

Digital revolution has taken the world by storm. Yet, 1.7B people continue unbanked, representing billions lost in potential revenue for the financial industry.
LOW APPROVAL RATES
Using superficial metrics only such as income and credit history keeps many good customers out
HIGH DEFAULTS & LEAKAGE
Under current methods, default rates and losses are higher
POOR COMMUNICATION
A lack of nuanced understanding of these customers leads to poor marketing and upselling

our Solution

Motiv8AI accurately cracks the code on properly screening or connecting with the unbanked and thin-filed customers
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Developed in conjunction with world-leading psychology experts, Motiv8’s patented technology combines psychology and AI to create a nuanced and predictive approach to financial behavior.

By identifying the WHY’s behind the WHAT’s, Motiv8AI helps financial institutions make decisions based on applicants’ underlying motivations and predictable financial behaviors.

Rather than replace existing credit data (income, age, gender, credit rate and history), Motiv8AI adds an additional layer of data (personality traits, patterns, behaviors, attitudes, and motivations) and augments institutions’ understanding of potential customers.

Plus, Motiv8AI’s non-traditional approach promotes Environmental, Social, and Corporate Governance (ESG) by enabling financial inclusion for households and small businesses, increasing well being, prosperity, and economic growth.

HOW WE HELP

Motiv8AI’s uniquely targeted behavioral data empowers financial institutions to achieve double-digit growth while also optimizing the customer journey for new and existing clientele. Benefiting from a first-in-the-industry data framework, institutions reduce churn and CAC, and improve retention and profit through:
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MORE ACCURATE
Credit Scoring
Better and faster approval & screening
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FASTER & BETTER
Loss Prevention
We identify potential “sloppy payers” before they are approved
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MORE TARGETED
Product Offerings
Increase retention & reduce churn
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OPTIMIZED & SHARPER
Marketing & Communications
Deliver the right message to the right segment

our TECHNOLOGY

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

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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.
  • Embedded in customer app
  • Identifies relevant metadata* on mobile device
  • Converts metadata into insights with psychology-based AI models
  • Powered by continual learning
  • Field-proven behavioral prediction

our team

contact us