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Digerati AI

  • Introducing our newest product

    THE BANKING INTELIGENCE PLATFORM

    Turn member data into 
    ​deposits, loans, and 
    ​loyalty

    BIP gives credit unions and community banks AI-powered member intelligence, engagement tools, and a natural language agent — all in one platform.

    Schedule a demo
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    0%

    of FIs have in-house ML

    9000

    community FIs in market

    11

    ML models per member

    BIP — Banking Intelligence Platform
    Member 360
    Engagement
    Campaigns
    Agent
    Churn Risk
    34
    high risk members
    Cross-sell Ready
    412
    high propensity
    Active Campaigns
    8
    running now
    TC
    Torres Construction
    Business • 8 products • $42K CLV
    Churn riskAuto loan ready
    👤
    Member 360
    Sarah Martinez
    Churn Risk
    72%
    Auto Loan
    85%
    📈Engagement
    847
    Members in active campaigns
    Response rate34%
    📧
    Active Campaign
    VIP Retention Q1
    Personalized outreach to at-risk members
    23/34
    BIP Agent
    "Who's at risk of leaving?"
    Found 34 high-risk members →

TRUSTED BY COMMUNITY FINANCIAL INSTITUTIONS





The complete platform for member intelligence

BIP combines AI-powered insights, transaction intelligence, engagement tools, and natural language access into one platform built specifically for credit unions and community banks.

BIP Member 360

Every member gets a unified profile with predictive ML scores — churn risk, lifetime value, and product propensities — updated in real time.


  • 11 ML models per member
  • Churn risk with early warning
  • Product propensity scoring
  • Next best action recommendations

Transaction Intelligence

Transform raw transaction data into rich intelligence. AI-powered merchant enrichment, spending insights, and anomaly detection across every swipe.


  • Smart merchant categorization
  • Spending pattern analysis
  • Anomaly & fraud detection
  • Local business identification

Community Rewards

Gamified rewards programs that incentivize behaviors and strengthen community ties. Points, tiers, challenges, and real perks that members love.


  • Customizable tier structures
  • Personalized challenges
  • Local business partnerships
  • Real perks: rate discounts & more

BIP Member Engagement

Drive retention and growth with targeted campaigns, personalized outreach, and automated workflows that turn insights into action.


  • Automated campaign workflows
  • Personalized member journeys
  • Multi-channel outreach
  • Real-time engagement tracking

BIP Agent

Natural language interface that lets any staff member query members, launch campaigns, and take action — no SQL or report building required. Ask anything, get instant answers, and act on insights in seconds.


  • Ask Anything in plain English
  • Instant answers accross Al data
  • One-click campaign creation
  • Proactive alerts & recommendations

How BIP works

From data to intelligence to action — all in one platform

Connect

Integrate with your core, card processor, and digital banking in days — not months

Analyze

AI models score every member for churn, propensity, and lifetime value automatically

Act

Launch targeted campaigns, engage at-risk members, and grow wallet share

Rewards that strengthen 
community

Community Rewards turns everyday transactions into engagement. Members earn points for the behaviors you want to encourage — from debit card usage to local business support — and redeem for real perks that matter.

Tier Progression

Members advance through tiers, unlocking better rewards as they engage

Local Partners

Bonus rewards for spending at local, independent businesses

Smart Challenges

AI-powered challenges personalized to each member's behavior

Real Perks

Rate discounts, fee waivers, and exclusive member benefits

Ask anything. Get answers.
​Take action.

The BIP Agent lets any staff member query the entire member base in plain English. No SQL, no report builder, no waiting. Ask a question, get an answer, launch a campaign.

"Who's at risk of leaving this month?"
​-> Instant churn risk analysis
"Create a retention campaign for VIP members"
​-> Campaign created in one sentence
"Which business members are ready for a line of credit?"
​-> Cross-sell opportunities surfaced
"Show me members with declining engagement"
​-> Early warning before churn

Ready to see BIP in action ?

Schedule a demo to see how BIP can help your institution 

predict churn, increase cross-sell, and empower your staff 

with AI.

Schedule a demo
Contact sales