Retail banking
Create personalized relationships that drive advocacy
Effortlessly innovate and scale your product, pricing, and proposition strategies to deliver customer-centric, personalized offerings – while ensuring full transparency and regulatory compliance
The problem
Digital disruption – accelerated by COVID – has commoditized banking. Customers no longer see banks as institutions, but utilities on a screen. To remain relevant, banks must evolve from service providers to financial partners. Yet legacy infrastructure, fragmented pricing, and lack of customer context undermine agility, engagement, loyalty, and long-term deposit growth.
Our solution
Zafin enables banks to modernize without replacing their core. Our platform externalizes product, pricing, and offer management – unlocking agility, transparency, and personalization at scale. Banks can design relationship-based propositions, optimize margins, and deliver contextual experiences—transforming from transaction processors into proactive financial partners, while staying compliant and future-ready.
Deposit growth and margin optimization
Customer engagement and loyalty
Product and pricing agility and optionality
360-degree customer view
Transparency and compliance
Deposit growth and margin optimization
Accelerate deposit growth without sacrificing margins
Grow deposits strategically with targeted acquisition offers, relationship-based incentives, and optimized pricing
Attract new customers with compelling financial and non-financial propositions
Create and launch new propositions to attract new money and retain existing funds
Protect margins with automated, segment-driven pricing strategies
Customer engagement and loyalty
Increase customer lifetime value with by driving engagement and improving loyalty
Deliver personalized offers and incentives that strengthen relationships and grow lifetime value
Drive engagement with targeted offers, rewards, and relationship-based pricing
Reward loyalty through dynamic tiering and personalized benefit programs
Use AI-driven insights to deliver timely, relevant offers and nudges
Product and pricing agility and optionality
Boost product innovation and speed to market
Accelerate delivery of flexible, configurable offerings that adapt to evolving customer and business needs
Launch and modify products quickly with minimal IT support
Package hyper-personalized products and services with ease
Adjust rates and fees in real time to respond to market changes and customer needs
Solution guide
Drive growth and ensure compliance with Product Information Management
360-degree customer view
Gain clarity across every customer and relationship
Centralize relationship data to improve decision-making, personalize engagement, and simplify compliance
Unify customer, account, and product data across the enterprise
Surface real-time insights to power smarter offers, pricing, and tiering
Strengthen compliance with enterprise-wide visibility into customer relationships
Transparency and compliance
Ensure trust, transparency, and fairness in your banking operations
Establish clear, auditable processes across pricing, products, and offers to promote accountability, reduce risk, and protect customer trust
Ensure visibility and accountability with detailed audit trails and automated reporting
Achieve full transparency across all operations with centralized data and accessible information
Reduce compliance risk with consistent rules and centralized governance across pricing and offers
Connect with us
Explore how Zafin helps retail banks deliver personalized, compliant experiences at scale to drive loyalty, growth, and long-term value.
