Digital Customer Experience Transformation

Intelligent Personal Financial Management to build customer value

Maximising retention and value by using data-driven insight to exceed customer expectations.

Digital Personal Financial Management as a Service


Banks and Wealth Managers recognise their investments in delivering personalised customer information services still have a long way to go. The impacts of PSD2 and fintech innovation further sharpen competition for the customer’s attention.

This ‘as a service’ solution enables banks and Wealth Managers to attract, keep and grow the value of their customers with a class-leading customer experience (CX) platform and intelligent decision support to help them better plan and manage their personal financial affairs.

It combines the Atos Codex Analytics platform with market-leading assets from Backbase (omnichannel CX platform), Envestnet |Yodlee® (digital financial data aggregation platform) and Creative Virtual (natural language virtual assistance).

Three strikes and you’re out. Consumers are giving organisations few chances to get the digital journey right.

Digital Customer Experience Transformation (DCXT) brings together the strengths of four industry-leading technology partners.

Banks and Wealth Managers understand that their customers now expect value-added services which are delivered at a time of their choosing and on any digital device. This solution delivers on the promise both to empower the customer digitally and to drive customer retention based on value.

DCXT offers customers the opportunity to understand and manage their complete financial position in a single place. It’s a dynamic tool for personal financial management, enabling customers to set, track and act to achieve their personal financial goals.

Deliver great customer experience

With full end-to-end management, granular editing tools allow you to take full control of optimising the customer experience.

Context-driven dialogue

Unlock the high volumes of real-time financial data in your organisation and aggregate it with external data to deliver true insight.

Optimise CapEx

There is no need to replace or rebuild your systems; we can integrate with your existing business applications.

‘Best in industry’ partners

We are bringing together technology leaders to deliver an out-of-the-box next generation customer experience platform.

Related resources

Solution Brief

Maximising retention and value by using data-driven insight to exceed customer expectations

Digital Customer Experience Transformation for financial services, now available as a cloud-based digital service from Atos.

Opinion Piece

Differentiating through digital customer experience

Uncovering a strategy for success in the digital era of customer-centric financial services.

Contact: Mark Fry, Freephone: 0800 783 3040