Digital Onboarding launches AI-native business intelligence agent for banks

Financial institutions are getting a major upgrade in how they manage your customers. Digital Onboarding has launched DOBI, a new AI-native business intelligence agent designed specifically for banks and credit unions. While this sounds like back-office bank talk, it directly impacts any merchant who relies on bank-led financing programs. The platform aims to solve the 'activation gap'—the period where a customer opens a credit line or account but doesn't actually use it. For retailers and service providers, this means the lenders you partner with will have better tools to keep your customers engaged. The AI agent analyzes vast amounts of data to predict which customers are likely to drop off and triggers automated, personalized communication to keep them active. If a customer is approved for a financing plan at your store but hasn't completed the transaction, these AI tools help the lender nudge them toward the finish line. This technology represents a shift from static banking to proactive engagement. Instead of waiting for a customer to remember they have a line of credit, the lender’s AI will actively work to ensure that credit is used at the point of sale. This should ultimately lead to higher conversion rates for merchants who offer financing at checkout, as lenders become more efficient at moving customers through the onboarding funnel.

Source: Finextra — Lending

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