Kernel powers interactions between financial institutions and customers to deliver the best product offering based on interest, across any channel. It helps financial institutions to deliver relevant content and enhance lead generation.

According to Aite, financial institutions will increasingly rely on predictive modeling and other analytical techniques for making marketing decisions. Kernel delivers a true one-to-one marketing experience in real time by exposing a modern Web API for integration across any channel. Kernel adjusts advertisement delivery between mobile, online banking, and other experiences based on users’ interest and interaction with each channel. As a result, banks and credit unions can cultivate stronger leads and actionable opportunities for their products and services.

Banno CEO Wade Arnold explained, “Consumers interact with a multitude of self-service banking channels across an ever-expanding array of devices. Kernel simplifies the collection and analysis of these interactions to expose an individual’s intent and changing interests. Automatic campaign ad delivery allows institutions to set and track their campaigns as well as visually explore their success. Now, banks and credit unions can address a consumer’s needs with purpose and accuracy, delivering the right product message over multiple channels.”

Kernel’s ability to automatically deliver advertising campaigns is based on the best performing promotions; new website visitors will see ads that have gained the highest click-through rates. Additionally, it tracks leads through a real-time dashboard that distinctly shows what users are viewing on an institution’s website, what they click through and which advertisement is displayed at that time. This gives the financial institution actionable insights to further engage consumers.