August 25, 2026

Fiserv Forum 2026: Turning Data into Action

By Dan Crowley, VP Corporate Development, Personetics

I recently returned from Las Vegas after attending the Fiserv Forum from August 17-19. The conversations I had on the ground reinforced the theme of hyperpersonalization I’ve noticed within the industry. Many of the people I have spoken to in the industry and at the conference share the viewpoint that hyperpersonalization, a primary driver for winning consumer loyalty and sustaining growth, is now essential for a high-quality user experience. The Personetics team and our partners at Fiserv used the event to demonstrate how financial institutions can put this into practice. 

Hyperpersonalization and Predictive Banking  

In my first session titled AI + Data: How Predictive Banking Drives Hyperpersonalized Experiences, I presented alongside Sean Calhoun, Fiserv’s VP and General Manager of Digital Banking Solutions. We explored a shift in banking operations from retroactive reporting to comprehensive real-time updates. Traditional digital banking relies heavily on showing customers what happened in their accounts in the past. Moving forward, financial institutions must leverage advanced AI and real-time data to anticipate future customer needs. 

Analyzing data to understand a consumer’s full financial life allows us to transform raw transactional intelligence into personalized financial experiences. We discussed a cognitive banking framework that unlocks AI-driven personalization. This continuous cycle involves analyzing customer transactions to understand current needs and predicting future requirements. The system then presents a clear financial profile and relevant experiences while constantly learning and improving. 

During the presentation, we showcased several cognitive banking journeys in action. One core focus is financial wellness. Over 60% of Americans live paycheck to paycheck, and customers often lack visibility into their financial health. Our platform provides a personalized diagnosis by assessing spending, income, and savings behavior. It then delivers specific guidance, such as alerting a customer they might run short before their next deposit or suggesting a safe daily spending limit to keep their balance positive. Small adjustments like these help customers avoid overdraft fees and build trust. 

We also examined the transition from open banking aggregation to predictive cross-selling. Customers often connect external accounts, yet banks struggle to leverage that information. Ingesting this data provides a holistic view of the customer’s financial life. This intelligence enables banks to identify opportunities for intelligent consolidation. For example, the platform might detect high spending on external credit cards and present a pre-qualified offer for a consolidation loan that lowers monthly payments. This approach reduces acquisition costs and converts offers at higher rates than generic marketing. 

Digital Engagement and Predictive Banking  

Later in the forum, I joined Ryan Hanson, our Solutions Engineer at Personetics, for a second session titled Digital Engagement to Predictive Customer Action. We highlighted our partnership with Fiserv and demonstrated how embedding Personetics into Fiserv Experience Digital turns a bank’s proprietary data into an active intelligence layer. 

We are building these capabilities right into the Fiserv XD Consumer and Business experiences, aiming to roll this out by the end of this year. Out of the gate, every XD client will get access to a foundational package of configured insights to start generating that compounding context immediately. Behind the scenes, the data flow depends on your core setup. If you are on a Fiserv hosted core, your data runs smoothly through a Fiserv Azure hosted Personetics engine. For those on non-hosted or third-party cores, it flows through our own Personetics Azure hosted engine. Ultimately, this intelligence layer does the heavy lifting to help your bank drive deposits and keep customers engaged by turning raw data into actual action-driven journeys.  

We track Cognitive Banking’s business impact across our global deployments and the numbers show a measurable impact on asset growth. For example, one European retail bank saw a 20% jump in deposit balances, while a top-20 U.S. regional bank grew their AUM by 22% just one quarter after launching these insights. The model also keeps customers around. We worked with a top 5 Canadian bank that watched their attrition rate drop to under 2% for customers using Personetics, easily beating the 7-8% industry average. Getting ahead of customer needs with proactive guidance creates clarity, and we saw a leading European bank cut their dispute-related contact center calls by 30%.   

The conversations at the Fiserv Forum proved that the next era of digital banking is already underway. Customers expect a financial partner who understands their unique situation and helps them take the right steps forward. By bringing AI and contextualized data together, we are helping banks build that trust and win the battle for engagement. I am looking forward to seeing how our partnership with Fiserv continues to evolve and deliver value to financial institutions everywhere.