Smart Features

Get answers to industry-relevant questions with analytics. Smart Features™ are high value data fields created by our Innovation Lab using advanced AI to provide high-impact insights.

Your data, enriched with 
industry-relevant answers

Despite having large amounts of data, organizations frequently struggle to get actionable answers out of it. Daybreak solves this problem by analyzing your data for what is relevant and enriching your data with high-value insights gleaned from AI powered data analytics. This allows your team to move from reactive to proactive to achieve data driven business results.

Smart Features UI

Your data, enriched with 
industry-relevant answers

Despite having large amounts of data, organizations frequently struggle to get actionable answers out of it. Daybreak solves this problem by analyzing your data for what is relevant and enriching your data with high-value insights gleaned from AI powered data analytics. This allows your team to move from reactive to proactive to achieve data driven business results.

Smart Features UI

Smart Feature Enrichment

Daybreak integrates, cleans, and merges fields and records from disparate sources into a golden record. Then, AI powered Smart Features mine the data to add knowledge beyond basic statistics and aggregations.

Smart Feature Enrichment

Examples of Daybreak Smart Features

Propensity Models

Using AI and deep learning models, the Propensity Model Smart Feature predicts which is the next best product to offer a particular customer at a particular moment in time.

Propensity Model Smart Feature
External Relationships Smart Feature

External Relationships

Daybreak combs through transactional databases and flags payments going to and coming from external financial institutions, such as mortgage or investment account payments. These external relationships are added to the Daybreak Customer Library to give actionable insights. Sales opportunities are surfaced for offering competitive products and services to gain business that your customer is currently giving to another financial institution.

Householding

Data consistency and accuracy is a big problem, especially when it comes to address lists. Despite having variations in spelling of customer address information in different data sources and systems, we use fuzzy matching and enrich the data with latitude/longitude coordinate data to identify account holders in the same household. This helps organizations save money on marketing spend and avoids customer frustration created by sending duplicate mailers to the same household.

Householding Smart Feature
Campaign Tracking Smart Feature

Campaign Tracking

Campaign tracking allows you to measure the success of your marketing campaigns by correlating new accounts to marketing initiatives resulting in the new business.

Branch Allocation

This Smart Feature utilizes transactional data to determine which branches are used most often by a customer. This information can be used to more effectively serve customers, or when making larger operational decisions, such as where to close or build a new branch.

Branch Allocation Smart Feature

Smart Features give you actionable insights

Customer Insight
Action

Customer has a checking account which was opened in 1998, but does not have other products with us

Reach out to thank this customer for being a loyal member for over 20 years.

Send special offers to entice this customer to open additional accounts such as savings, credit card, etc.


Member has outside investment & mortgage accounts

Use external account information including amount of monthly payment and duration of external relationship to offer member competitive mortgage to gain new business.

Reach out to the member to explain why your white glove personalized service is a better fit than the big brokerage firm for investment accounts.


Customer has improved his credit score and is now in the excellent range

See if this customer is interested in a Home Equity loan and let him know that he qualifies for low interest rates.


Member is most likely to open a Money Market account or a CD

Contact this member personally to encourage her to open a CD or Money Market account.

Do not market a Home Equity loan at this time.


Customer regularly uses bill pay, but hasn’t logged into mobile banking in over a year

Send this customer correspondence to introduce new mobile banking features to improve customer engagement and reduce risk of churn.


Member signed up at branch 65, but mainly uses branch 16

Evaluate the true profitability of branches.

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