Based on insights from the Personetics Global Consumer Banking Survey 2025
In today’s fast-moving digital world, banks are expected to deliver the same kind of personalized, seamless experiences customers get from brands like Amazon, Uber, and Spotify. But banking isn’t just about convenience — it’s deeply tied to people’s lives, goals, and financial well-being. According to the latest Personetics Global Consumer Banking Survey, financial wellness is now a top life priority for customers — ahead of even health and relationships.
As Bhushan Shirsath from P99Soft puts it: “Banks can no longer wait for customers to ask for help. Today, customers expect smart, proactive support — powered by AI — that guides them toward better financial outcomes.”
Let’s look at what this means for banking leaders, digital transformation heads, AI leaders, and consumer banking teams.
What Customers Really Want from Banks in 2025
The Personetics survey, based on responses from 2,000 digital banking customers across North America, EMEA, and APAC, shows clear trends:
- 52% ranked financial wellness as their top priority
- 84% said they would switch banks if another provider offered better, more timely financial tips
- 76% trust financial advice provided via banking apps, especially Gen Z users
- 70% want banks to analyze their spending and recommend improvements
From overdraft alerts to savings nudges, customers want actionable insights — not sales pitches. In short, they want banks to act more like financial coaches.
What This Means for Banks
This data signals a clear call to action: Banks must combine AI, data intelligence, and cloud-based infrastructure to deliver value beyond transactions. This is no longer optional — it’s what customers expect.
At P99Soft, we believe in building smart, secure, and scalable systems that help banks:
- Understand customer behavior using AI data intelligence
- Deliver real-time, contextual insights at scale
- Improve customer experience and reduce churn
- Ensure trust and compliance in every interaction
We specialize in helping banks modernize their platforms with our IT consulting services, software development, and digital transformation solutions.
Challenges Banks Face (And How P99Soft Helps)
While customer demand is rising, delivering on these expectations is not easy. Banks face serious hurdles:
- Legacy systems that don’t support real-time data processing
- Security risks in managing sensitive customer data
- Compliance challenges with global regulations like GDPR, DORA, and HIPAA
- Difficulty scaling insights across millions of customers
Here’s how P99Soft steps in:
- AI-Driven Personalization – We help banks use AI and analytics to provide personalized financial advice based on real-time data.
- Cloud Operations – Our cloud computing and security services ensure safe, scalable digital platforms.
- CRM Solutions – We integrate smart
- CRM management tools for better engagement and loyalty.
- Legacy Modernization – Our software development services help banks move from outdated systems to modern, API-ready platforms.
- Compliance & Security – As a SOC 2 Type 2, ISO 27001:2022 certified, and HIPAA-compliant company, trust is at the core of everything we do.
Explore our compliance posture at: trust.p99soft.com
Why It Matters for Gen Z and Boomers Alike
Interestingly, Gen Z (ages 17–27) and Baby Boomers (ages 60–78) are the two most likely groups to switch banks if they’re not getting timely financial insights. That’s a huge opportunity — and a huge risk — for banks.
For Gen Z, it’s about building smart money habits early. For Boomers, it’s about protecting wealth and planning retirement. For both, the expectation is clear: Banks must offer more than just account services — they must actively support financial wellness.
What’s Next?
Banks must act fast. The future of consumer banking lies in offering:
- Proactive financial coaching, not just transactions
- Contextual, real-time insights via apps
- Secure and scalable platforms for delivering AI-driven services
At P99Soft, we help banks lead this transformation — with secure, modern platforms powered by data intelligence, cloud computing, and digital transformation consulting.
Whether you’re a consumer banking head, a digital transformation lead, or an AI strategy owner, we’re here to support you with solutions that scale, secure, and simplify your customer engagement strategy.
Learn more: www.p99soft.com
Let’s build a smarter, AI-ready future for your bank — together.
NOTE: “Originally published on LinkedIn” https://www.linkedin.com/posts/p99soft_ai-is-reshaping-consumer-banking-by-turning-activity-7321947320118403073-q6qy?utm_source=share&utm_medium=member_desktop&rcm=ACoAADgQkFABiwtBg6uyszqVZ7vT9IJT4z4eXjE
