# Banking personalization

Leverage real-time income, investments and payments data to better understand your customer's financial life.

## See beyond your bank

Get a 360° view of your customer's financial life to drive cross-sell and retention programs.

#### Source of truth income & employment

Connect directly with payroll providers to ingest changes to employer, employment status, and income in real-time.

#### Direct deposit allocation monitoring

Always know where you stand amongst your customer's outside financial relationships and leverage insights to power retention programs.

#### Recurring payments dashboard

Understand your customers' external account transactions - subscriptions, rent/mortgage, insurance and loans - and identify cross-sell opportunities that save them money and improve their financial lives.

### Source of truth income & employment

Connect directly with payroll providers to ingest real-time changes to your customers' employer, employment status, and income.

[Learn more about Pinwheel Verify ➔](/content/products/income-verification-api/index.html)

### Direct deposit allocations monitoring

Power retention programs by always knowing where you stand amongst your customers' external financial relationships.

[Learn more about Deposit Switch ➔](/content/solutions/banking-personalization#/index.html)

### Recurring payments dashboard

Understand your customers' external account transactions - subscriptions, rent/mortgage, insurance and loans - to identify cross-sell opportunities that save them money.

Customers demand personalized banking experiences:

66% of consumers expect their bank or credit union to know, understand and reward them

yet only...

34% of consumers feel that their provider treats them as an individual

# Grow LTV with meaningful personalization

[Build better customer experiences with notifications that matter](/content/solutions/banking-personalization#w-tabs-0-data-w-pane-0/index.html) [Accelerate revenue with precision cross-sell offers or win-back strategies](/content/solutions/banking-personalization#w-tabs-0-data-w-pane-1/index.html)

## Primacy in personalized banking: A moving target

Learn about changes to consumer behavior that have affected financial institutions' ability to achieve and defend primacy.

[Download now  ➔](https://learn.pinwheelapi.com/primacy-in-personalized-banking)

Getting started is easy

Let’s talk about how Pinwheel can deliver game-changing results for your acquisition funnel.