SMART RETAIL BANKING
Design relationships into transactions
Because a banking customer never just logs in.
Move from enabling digital access to understanding banking behaviours
- They are checking if money will last.
- Applying before a need becomes urgent.
- Saving for something personal.
- Looking for credit.
- Trying not to drop off.
Clayfin Retail Banking helps the bank stay
relevant across the customer's journey.
Cross-sell
AI-powered recommendations at the right time.
Differentiate
White-labeled apps, ecosystem connectivity and engagement layer.
Engage
Personal Finance Management, nudge engine, and behavioral intelligence.
Customers are more than a product portfolio.
A customer does not think banking products. So why should the bank see them
only through accounts, cards, deposits, loans, and campaigns?
Clayfin Retail Banking helps banks move from product-led
journeys to customer-life journeys across onboarding, everyday
banking, personal finance, engagement, analytics, and APIs.
So the bank can read the moment, not just serve the product.
Everyday Banking
The bank in your customer’s daily rhythm
White-labelled web, mobile, wearable, and WhatsApp banking that launches fast and feels like your bank from day one.
For the moments customers return to every week, every month, and sometimes several times a day.
- Internet banking platform
- Native mobile apps for iOS and Android
- Wearable banking
- WhatsApp banking with 200+ transaction types
- Smart onboarding with digital KYC
Everyday Banking
The bank in your customer’s daily rhythm
Smart Onboarding
A half-finished form is not a lead.
It is a customer quietly walking away. Clayfin helps banks reduce the distance between first interest and active account, with KYC, verification, document processing, risk checks, and activation built into the journey.
- Digital KYC with video verification
- Automated document processing
- Real-time risk assessment
- Instant account activation
- KYC analytics and plug-n-play APIs
Smart Onboarding
A half-finished form is not a lead.
API Banking
Open the bank without putting it apart.
Clayfin helps banks extend retail banking into partners, fintechs, embedded journeys, and enterprise ecosystems. Connect what exists. Expose what matters. Build what comes next.
- RESTful API layer
- Core banking system connectors
- Third-party and fintech integrations
- Embedded banking enablement
- Open banking ready
API Banking
Open the bank without putting it apart.
Your customer is talking to you through their banking behaviour.
Don’t make it a series of cold starts
- A balance check.
- A missed payment.
- A salary credit.
- A savings pattern.
- A card transaction.
- A loan enquiry.
- A customer stuck on the same screen.
Clayfin helps banks turn those signals into journeys that feel more useful, more timely, and more alive.
Everyday Banking
Where the relationship begins
White-labelled digital banking across web, mobile and assisted channels.
INCLUDES
- Mobile and web banking
- Digital KYC onboarding
- User profile manager
Engage
Where signals become timely action
Personal finance, alerts, nudges, recommendations, and campaigns that help the bank stay useful between transactions.
ADDS TO EVERYDAY BANKING
- Personal finance management
- Alerts and nudges
- Campaign and engagement tools
Insight
Where movement becomes visible
Analytics that show how customers move, where they slow down, and where the bank can act before interest turns into drop-off.
ADDS TO ENGAGE
- Channel analytics
- Event stream
- Behavioural insights
- Journey performance
Cognitive Platform
Where retail banking starts to think across the journey
The complete retail banking platform across channels, engagement, analytics, intent, intelligence, and action.
ADDS TO INSIGHT
- Voice banking
- Personalised intent journeys
- AI-assisted engagement
- Open banking enablement
Built for the retail moments banks
cannot afford to miss.
Personal Finance Management
Turn engagement into your competitive advantage
Help customers see their money more clearly across spending, goals, obligations, accounts, and decisions.
Voice Banking
Banking that speaks the customer’s language
Bring multi-lingual accessibility and action into voice-led banking journeys
Wealth Management
See the whole picture, not just the portfolio.
Bring holdings, goals, advice, and everyday banking into one view clients actually understand.
Corporate Banking
A seamless corporate banking experience built for businesses.
One unified corporate banking experience, designed for modern businesses.
Real banking experience with measurable outcomes.
A UAE bank used Clayfin’s campaign engine to turn customer behaviour into sharper recommendations across mobile, and web.
Not louder campaigns.
Better-timed ones.
38%
Campaign increase
200
WhatsApp transaction types
In the markets that matter
Retail banking is changing fastest where scale, inclusion, and digital behaviour meet.
Clayfin works with banks across markets where everyday banking has to be simple, resilient, and ready for growth.
Bangladesh
Built into Bangladesh's payment rails
Banking in Bangladesh runs on infrastructure most platforms treat as an afterthought. Clayfin connects directly to BINIMOY, NPSB, BEFTN, and Bangladesh Bank’s RTGS, so a transfer by national ID works the way a customer already expects it to, on mobile and on the web.
INSIGHTS
The local rail is the product. A customer sending money by NID instead of an account number is not using a feature. They are using the way Bangladesh now moves money, and the bank that makes that feel ordinary is the one they keep coming back to.
SUCCESS STORY
BRAC Bank's Astha app serves more than 800,000 customers, who moved 2.7 crore transactions through it in a single year. Personal loans disburse in ten to fifteen minutes, and 77 percent of new accounts now open through eKYC. Everyday banking, made to feel like nothing at all.
UAE, Saudi Arabia, Kuwait
Wired into the region's identity and payment infrastructure
Across the UAE, Saudi Arabia, and Kuwait, trust in a transaction starts with the government’s own systems. Clayfin connects directly to them. Nafath, Yakeen, and Tahaqouq in Saudi Arabia. Civil ID verification in Kuwait. Real-time IBAN validation and beneficiary cooling periods in the UAE. The checks a regulator expects, built into the moment a customer acts.
INSIGHTS
In the Gulf, identity is not a login step. It is the relationship. A customer who confirms a payment through their national identity app is trusting the bank and the state in the same gesture, and the bank that handles that cleanly earns a kind of confidence a faster interface never will.
SUCCESS STORY
With Clayfin as its digital partner, Burgan Bank is repositioning itself as a leading modern bank in Kuwait, offering personalised, intuitive experiences that keep pace with how customers want to bank today.
Where retail banking connects to the big picture.
Clayfin Retail Banking runs on Clayfin Platform, our cognitive banking platform.
It brings experience, intelligence, business logic, integration, and secure delivery into one connected operating model. So retail banking does not sit as a channel layer.
It becomes part of a bank that can read intent, carry context, and act with control.
Ready to build a smarter retail bank?
Talk to Clayfin about retail banking journeys that grow with your customer.
- From onboarding to engagement.
- From channels to intelligence.
- From digital usage to customer relationship.