Transforming financial services from transactional systems to relationship systems!

Developing the growth and trust financial relationships are built on. Powered by RIL™ - Relationsship Intelligence Layer. Learn more...

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Strict Privacy, seamless user journey

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RIL™ Impact

When Motivation Is Understood, Performance Changes

50% Default Reduction for Unbanked

Unlocking new clients segments

+20% Boost in "Credit Card Activation"

Hyper Personalization at scale!

35% "BNPL" Default Reduction

Boosting up payment solutions

X2
Response Rate

Driven by GenAI communication using client behavioral fingerprint

RIL™ - Relationship Intelligence Layer

RIL™ empowers AI with Psychology, revealing what truly drives people.

Decoding: Motivators | Why behind Decisions | Client's Intent

The Intelligence Layer Behind Modern Financial Decisions

Modern financial systems don’t fail because of lack of data —
they fail because they don’t understand people.

Behavioral AI in Financial Services

Understand the why behind every financial action.
Move beyond transactions and interpret motivation, confidence, and intent.

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Hyper-Personalization

From segments to individuals — in real time.
Adapt offers, timing, and communication to each customer’s evolving state.

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Relationship Intelligence

From transactions to relationships.
Continuously model how each customer behaves, evolves, and engages over time.

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Real-Time Decision Intelligence

Right action. Right moment. Right context.
Turn insights into immediate, adaptive decisions across risk, marketing, and engagement.

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Behavioral Science Impact in different Use cases

Use Cases

Thin-Filed Client Approval

Made the bank more competitive by acquiring +30% new clients

Gen AI
Campaign

Individual Gen AI Push MessageX2 Response Rate

Fraud Vulnerability

Enabling extra protection for vulnerable population

Gambling and Betting

Filter unnecessary risks with betting and gambling score model

Key Differentiators

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.

Seamless user journey

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

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.

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.

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