The right offer - at the right time
With KEBA Digital’s Best-Next-Offer model, banks and service providers leverage Artificial Intelligence to deliver highly relevant offers to private customers – automatically, data-driven, and personalized.
The Challenge:
Standardized Offers Rarely Hit the Mark
Many banks, insurers, and retailers provide overly generic products – often at the wrong time or through the wrong channel.
Customer data remains underutilized, while offers fail to reflect actual needs.
The result: low conversion rates, missed cross-selling opportunities, and declining customer loyalty.
The Solution:
AI-Powered Best-Next-Offer Models
KEBA Digital builds machine learning models that analyze individual customer behavior and predict the next most relevant offer.
The AI understands when and through which channel a product should be placed – boosting both customer value and sales performance.
Data-Driven Offer Prediction – From Analysis to Recommendation
Our AI processes purchase histories, usage patterns, transaction data, and communication preferences to forecast the next product interest.
The models continuously learn which combination of offer, timing, and channel delivers the highest success probability.
Benefits:
- Personalized offers with maximum relevance
- Automatic identification of the optimal timing
- Better customer experiences through contextual communication
Predictive Analytics – Anticipating Customer Needs Before They Arise
With predictive analytics, KEBA Digital detects changes in customer behavior early.
This includes life events (moving, family growth, contract expiration) or shifts in consumption patterns – enabling timely, tailored recommendations.
Technologies: Time series analysis, classification models, deep learning.
Benefits:
- Early detection of purchase or churn intent
- Targeted retention through proactive engagement
- Higher conversion rates and revenue growth
Omni Channel Integration – The Right Offer in the Right Place
KEBA Digital seamlessly integrates Best-Next-Offer models into existing CRM, marketing, and sales platforms.
Recommendations can be automatically delivered via email, app, call center, or POS – depending on where the customer is active.
Benefits:
- Consistent customer experience across channels
- Unified communication throughout the customer lifecycle
- Efficient collaboration between marketing and sales
The scatterplot matrix reveals relationships between customer attributes and buying behavior to identify key predictors for Best-Next-Offer models:
- Visualizes correlations between variables like age, income, purchase history, and response rate
- Helps identify critical predictors for personalized offers
- Highlights clusters and potential customer segments
- Serves as a foundation for feature selection and model optimization
Benefits:
- Improved offer accuracy: Higher conversion through targeted recommendations
- Efficient segmentation: Identification of customer groups for tailored campaigns
- Data-driven decisions: Strong foundation for AI models and predictive analytics
- Competitive advantage: Faster, more precise Best-Next-Offer strategies
Technological Foundation
The solution is built on a flexible AI architecture that continuously learns from new data and delivers recommendations in real time.
Systems are GDPR-compliant, API-based, and compatible with existing CRM platforms (e.g., Salesforce, Microsoft Dynamics).
- Machine Learning (XGBoost, Random Forest)
- Deep Learning (LSTM, DNN)
- Predictive Analytics
- Recommendation Engines
- Explainable AI (XAI)
Your Benefit
with KEBA Digital
Revenue Growth
Higher conversion through personalized recommendations
Customer Loyalty
Individualized engagement builds trust and retention
Effiziency
Automated offer management saves time and resources
Data Utilization
Strategic use of existing customer data
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