Future-Proofing Retail Banking with AI and Analytics

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Accelerating Retail Banking Transformation with Data and Intelligence

At SG Analytics, we help retail banks navigate rapid digital disruption by transforming how they serve, engage, and grow. From deep customer insights to intelligent automation, our integrated solutions across data, AI, technology, and research power smarter decisions and seamless customer journeys. We work with leading retail banks to improve operational agility, personalize offerings, and future-proof digital transformation—at scale and with speed.

Problems We Solve

We help retail banks overcome data silos, manual decisions, legacy systems, and low engagement to unlock smarter, seamless, and customer-centric growth.

Fragmented Customer Understanding

Retail banks often struggle to unify customer data across channels, impeding personalization and lifecycle engagement.

Inefficient Decision-Making

Manual, intuition-driven decisions limit agility across credit scoring, marketing, and product recommendations.

Outdated Systems and Workflows

Legacy infrastructure hinders innovation, slows response to market shifts, and elevates cost-to-serve.

Low Engagement and High Churn

Inconsistent experiences, limited relevance, and reactive outreach contribute to declining customer loyalty.

Outcomes We Deliver

Our AI-first, data-driven approach enables BFSI firms to achieve tangible business transformation through:

Unified Customer Intelligence

By integrating first-party and behavioral data, we help banks create holistic customer views that power dynamic segmentation and personalized product strategies.

Faster, Smarter Decisions

Our AI and decision intelligence capabilities automate key workflows across credit decisions, risk modeling, and churn prediction, driving efficiency and accuracy.

Agile, Modernized Operations

We help modernize data and tech architectures, enabling banks to reduce cost-to-serve, accelerate time-to-market, and operate with agility in a digital-first landscape.

Scalable Personalization

Through GenAI and Agentic AI, we enable real-time personalization across customer journeys, from onboarding to retention, driving deeper engagement and loyalty.

Capabilities We Have

We bring together data, AI, technology, and research to power personalized experiences, agile decisions, and future-ready banking transformation.

Data

We build robust data foundations that unify and govern customer, transactional, and product data, fueling activation across marketing, credit, and service workflows.

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Artificial Intelligence

Our GenAI and Agentic AI models power hyper-personalization, intelligent recommendations, and predictive insights, making decision-making faster, contextual, and scalable.

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Technology

From cloud-native platforms to workflow automation, we enable digital transformation with scalable, secure, and integrated systems that drive customer-centric operations.

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Research

Through primary and secondary research, we uncover evolving customer behaviors, product expectations, and market trends, supporting growth strategies grounded in real-world insights.

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Our Ins(AI)ghts

Case Study

Personalization Strategy Based on Predictive Analytics for Customer Loan Propensity

SG Analytics partnered with a leading retail bank to enhance customer engagement and drive loan conversions through AI-powered personalization. By implementing predictive models to identify high-propensity customers and automating marketing workflows, SGA enabled targeted outreach that led to a 30% increase in engagement and a 25% rise in loan applications. Cloud infrastructure, ML algorithms, and real-time data processing streamlined operations, reduced manual effort, and empowered the bank to make faster, data-driven lending decisions at scale.

Case Study

$6M Reduction in Potential Fraudulent Transactions with the Use of Semi-Supervised ML Models

SG Analytics partnered with a leading global payments provider to overhaul its legacy fraud detection systems by deploying semi-supervised machine learning models and adaptive anomaly detection. By consolidating transaction, behavioral, and third-party data into a unified platform and leveraging real-time processing, SGA enabled faster fraud identification, fewer false positives, and reduced payment holds. The solution delivered a measurable decline in fraudulent transactions, optimized sales continuity, and ensured compliance with data privacy regulations, empowering smarter, scalable risk mitigation.