Retail Banking

Opened is not the same as funded.

For retail banks and credit unions, the revenue lives in the steps after the account opens: funded, salaried, transacting, active. PXI finds where new customers stall on that path, predicts who will next, and moves them forward. Proven against a holdout.

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PXI NUDGE
Funded Opened, never funded Recovered
Opened, funded, and the ones you can still recover.

The Journey

Every step to an active customer is a place to lose one.

A retail journey runs roughly: opened, verified, funded, first transaction, active. Yours has its own steps, and each one is a place to stall.
PXI maps the whole flow and groups every drop-off into a Pod: opened but not verified, opened but never funded, funded but not transacting, one-and-done.
Each Pod is priced, so you know which stall costs the most before you touch anything.
The real retail-banking journey, entry to repeat usage. (Illustrative data.)
ACME Retail Banking journey dashboard: the Impact Across Journey Sankey flowing Account Opened, KYC Completed, Account Funded, Salary Credited, First Transaction, Repeat Usage, with red drop-off bars and the left-rail pods.

How It Works

One agent works every stall point, every week.

Syna Drive runs the loop on each Pod: finds why customers stall, predicts who will, tests the message that moves them, and proves the lift against a holdout.
You approve every step. Nothing reaches a customer without a named sign-off.
See the full platform

The Proof

The same red bars, inside a real bank.

The Case

A Texas regional bank.

Assets $52.8B
Branches 219
Customers 400,000+
Featured anonymously, under NDA.
01
Signal
92,000 accounts opened but never funded. 23% of the book. Annual friction tax: $156M.
02
Pod
One group: opened, never funded.
03
Reason
Unclear next steps after onboarding. Not rates. Not product. Directions.
04
Action
Interventions through the bank's own channels, each validated by a controlled experiment.
05
ROI
14,720 customers reactivated. $12.8M in annual revenue recovered. 16% of stalled journeys completed.

From one stall point. The journey had six.

Not projected. Not modelled. Recovered.

Trust & Deployment

Built to clear your risk review.

Human approval, always.
No message sends, no model ships, without a named person's sign-off.
Everything on the record.
Full audit trail with before and after states.
Model governance built in.
Versioned models, published validation metrics, every version retested against control.
Pilot without integration.
One weekly customer file. That's the whole ask.
Production without rip-and-replace.
PXI connects to the systems you already run, and our team builds each integration. Your stack stays where it is.

Start here

Start with your worst stall point.

Every retail bank and credit union has one place customers stall the most. That's the pilot: one stall point, one weekly customer file, one measured revenue number in 90 days, proven against a holdout.

The bank above worked a single stall point. Its own journey had more.

Watch the 2-minute demo