Meet growing customer expectations with XEM Personal, from r4.
Deliver the right service and solution to the right customer with The New AI.
Personalized and Predictive Customer Journeys
Financial institutions are under pressure to deliver seamless, relevant experiences across every channel—branch, digital, advisor, and contact center. But data fragmentation, siloed business units, and rising customer expectations make that harder than ever.
The r4 AI Personalization Solution empowers financial institutions to deliver hyper-relevant, compliant, and scalable customer journeys—matching individuals with the right financial products at the right time, across every channel, without the need for custom development or new infrastructure.
Orchestrate Personalized and Predictive Customer Journeys in 4 Steps
Step 1
CUSTOMER 360°
PROFILING
Combines fragmented data into a single, actionable customer view.
Step 2
Offer and
PRODUCT
MATCHING
Matches customers to the right products based on goals, behavior and life events.
Step 3
Churn
Prevention
and Prediction
Identify and proactively address at risk customer relationships.
Step 4
LOOK-ALIKE
ACQUISITION
Finds new prospects by modeling your best customers.
Frequently Asked Questions
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How does r4 XEM® personalize financial services without replacing our existing systems?
r4 XEM® integrates directly with your current CRM, marketing, and core banking platforms. It uses your existing data—along with external sources—to generate predictive insights and deliver guided actions, all without requiring custom development or data science teams.
Can r4 help us identify the right customers for specific products?
Yes. XEM uses AI to segment customers based on behavior, goals, and financial profiles. It then recommends the right product or service for each customer—whether it’s a credit card, loan, investment product, or financial education resource.
How quickly can we see results?
Most institutions see measurable impact within weeks. XEM is modular and deploys one use case at a time, allowing for fast time-to-value and scalable expansion.
Is this compliant with financial regulations and data privacy standards?
Yes. r4’s platform is designed with explainability, governance, and data ownership in mind. It supports compliance with financial regulations and privacy standards like GLBA, GDPR, and CCPA.
What makes r4 different from other AI vendors?
r4 was built by the founders of Priceline to optimize yield through predictive decisioning. Unlike traditional AI platforms, r4 is purpose-built for business users, requires no data science, and delivers cross-enterprise personalization at scale.
Start turning data into action with AI-powered personalization.