Turning Customer Interactions into Non Interest Revenue

To personalize product recommendations and nudges at scale, the Madison introduces AI-driven Spend Personality (six spending dimensions) and Money Personality (six overall money-behavior types) to augment demographic and product-based segmentation, improving offers, onboarding, card activation, rewards matching, and marketplace recommendations. Q&A discusses ecosystem “super-app” models (WeChat/Revolut) and the challenge of incomplete customer views across multiple banks. 01:40 How Banks Earn Interest 02:56 Non Interest Revenue Streams 06:08 Why Banks Shift Away 07:17 Capital and Liquidity Rules 12:26 Fintechs Redefine Ownership 16:30 Engagement Drives Revenue 20:19 Spend and Money Personality 26:53 Personalization Use Cases