An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
Platform · Perx Intelligence Suite
Your data already knows who's leaving. Perx tells your team who needs attention, and why.
Perx Intelligence Suite turns the customer data you already hold into signals your growth, loyalty and risk teams can act on. Customer Insights shows the whole base. Customer 360 shows any single customer. Every signal carries its evidence, confidence and data freshness. It is designed so your team can act before customers leave, without trusting a black box.
Loyalty. Measured in Profit
33×
reduction in CAC, to $9 per customer
A leading Singapore neo bank
~80%
first-transaction activation rate, up from 42%
SMBC Jenius, Digital Bank · Indonesia
$67.9M
in transaction value, at 1.2x ROI in 7 months
Capitec, Retail Bank · South Africa
What makes it different
Most customer analytics stops at the signal. Perx shows the evidence and passes it on to planning.
Two failures show up again and again in banking engagement, and they compound each other. The first is speed — legacy systems can’t launch or adjust a campaign fast enough to catch a behaviour while it’s still happening. The second is precision — even a fast campaign usually rewards the same action for every customer, regardless of what that customer just did, when they did it, or what would actually move them next. A blanket campaign shipped quickly is still a blanket campaign.
Today
Churn shows up in the monthly report, after the customer has gone.
The mortgage team’s data doesn’t talk to the cards team’s data, which doesn’t talk to the app log. A customer who holds three products and transacts daily, but hasn’t opened the app in 60 days, is invisible to the team that should act. Every new segment waits in the data team’s queue. And a score nobody can explain doesn’t get past compliance.
With Perx Intelligence Suite
Designed to show your team who is slipping while there is still time to act.
Two views read from one governed set of metrics: Customer Insights for the whole base and Customer 360 for one customer. Every signal shows its evidence, reason codes, confidence and data freshness. Do-Not-Nudge guardrails are built in, and only the signals that pass every check move on to planning.
The problem it solves
You have the data. You just
don't have what it's telling you.
Churn you only see in hindsight
Monthly churn reports tell you who has already left. By the time a high-value customer shows up as dormant, the win-back costs more than the save would have.
Every segment waits on the data team
Marketing, loyalty and service teams can't answer routine questions about their own customers without raising a request and waiting for an analyst.
Scores nobody can explain
A model score that looks equally confident on complete and incomplete data won't clear risk, audit or a regulator. So it never makes it into daily decisions.
Rewards paid to people who'd engage anyway
Blanket cashback reaches customers who would have transacted without it, while the ones who only show up for an incentive go unidentified.
How Perx Intelligence Suite solves it
Two views of your customers, built on one set of governed signals.
215 governed metrics in Phase 1, across banking, telco, fintech and wallet, and insurance. Every one explained, permission-checked and ready for planning.
Customer Insights · 117 metrics
Your whole customer base, in one view.
Who is growing, who is slipping, who responds to rewards and where the next product opportunity sits.
Customer 360 · 98 metrics
One customer, completely understood.
Holdings, behaviour, value, sentiment and the full engagement timeline, shown by role and masked by policy.
Built into both views
Every insight explained, governed and ready for planning.
Evidence and confidence on every signal, Do-Not-Nudge guardrails, data trust labels and audited access.
Customer Insights · Early intervention & reward efficiency
See the slide while there is still time to act.
Customer Insights is the whole-base view: registered and active customers, lifecycle stage mix, product holdings, engagement, rewards, risk, sentiment and growth opportunity. It is filterable by date, segment, permitted demographics and consent status. It is designed to show your leadership team how the base is moving every week, without waiting for the analyst’s quarterly deck.
A customer who used to transact three times a week and now transacts once every ten days is flagged, with the reasons shown.
Your whole custDisengagement Early Warning omer base, in one view.
Flags customers and segments likely to disengage before churn or dormancy, from drops in recency, frequency and engagement, plus sentiment and expectation gaps. Momentum and Deviation scores show whether behaviour is improving, stable, declining or abnormal against each customer’s own baseline.
Proof: On the current Perx platform, a leading BNPL fintech in Southeast Asia reactivated 51% of users inactive for 90+ days within 30 days.
Reward Sensitivity and Incentive Dependency
Reward Sensitivity measures how much behaviour lifts when cashback, points, missions or tiers are present. Incentive Dependency shows whether engagement depends on the incentive rather than genuine product use. Reward budget goes where it changes behaviour.
Proof: On the current Perx platform, Jenius held reward cost at 0.6–2.1% of the transaction value it drove.
Product Propensity and Readiness
Propensity predicts the likelihood of a target action, such as redemption, reactivation, renewal, upgrade or cross-sell, within a set window. Product Readiness scores customers 0–100 per product as Ready, Potential, Not Ready, Suppressed or Insufficient Data, with consent, compliance and suitability guardrails built in.
Designed to: send cross-sell only to customers who are ready and eligible, with offers that stay suitable and defensible to a regulator.
Nudge Readiness and Do-Not-Nudge
Nudge Readiness scores whether a customer or segment is ready and safe for planning, using propensity, confidence, recency, channel reachability, consent, fatigue and risk. Do-Not-Nudge holds back customers with open complaints, contact fatigue, consent limits, signs of financial stress or fraud risk.
Designed to: cut complaints and opt-outs from over-contact, so no customer in financial stress or with an open complaint is handed to a campaign.
Customer 360 · One source of truth
Everything that matters about one customer, on one screen.
Customer 360 is the single-customer profile: identity, lifecycle stage, segment membership, consent status, holdings, behaviour, value, engagement, rewards, sentiment, risk and opportunity. Your marketing, loyalty and service teams stop switching between the CRM, app analytics and the campaign platform. Each role sees what it is permitted to see, and personal data is masked by policy.
Your team understands why this customer is flagged, not just that they are.
Single-customer profile
98 Phase 1 metrics on one customer, shown by role permission and masked by policy. A relationship manager, a marketer and a service agent each get the view their job needs.
Designed to: speed up customer decisions by making them on one source of truth instead of three systems.
Engagement timeline
A chronological record of campaigns, journeys, rewards, points, app and microsite activity, notifications, referrals, surveys and partner events, with Perx and external sources shown separately.
Designed to: let service and relationship teams resolve an issue in one conversation: the reward that failed, the campaign ignored, the complaint raised.
Customer-level scores and readiness
Each customer’s momentum, deviation, early warning, reward sensitivity, incentive dependency, propensity, expectation gap, nudge readiness and Do-Not-Nudge state, each with its evidence and reason codes.
Designed to: make every customer-level decision explainable to a complaint handler or a regulator.
Rewards and points intelligence
Points balance and net movement, earn-burn ratio, redemption and fulfilment delays, from Perx or mirrored from an external reward system. Your loyalty team sees reward problems next to customer behaviour, even when rewards run on another vendor’s engine.
Designed to: On the current Perx platform, the largest bank in the Philippines runs a 63% earn-to-burn ratio.
Built into both views · Explainability & governance
Every signal shows its evidence, and its limits.
Intelligence only gets used when risk and audit can approve it. Every signal and score in Perx Intelligence Suite comes with an evidence pack, reason codes, a confidence band and data freshness. Missing or stale data is labelled as missing or stale, never shown as zero. And only signals that pass every check can move on to planning.
Confidence bands and “Insufficient Data” labels tell your team how far to trust each signal before they act on it.
Your whole custDisengagement Early Evidence, confidence and reason codes Warning omer base, in one view.
Every signal shows an evidence pack, reason codes, a confidence band (High, Medium, Low, Insufficient Data), source coverage and freshness. Tooltips explain each metric’s definition, calculation, sources and limits. The Model Confidence Center shows the model or rule version and its reliability.
Designed to: move intelligence out of the analytics team and into everyday decisions, because risk and audit can approve what they can explain.
Data Trust
Data freshness, source coverage, missing sources, sync health and identity-match confidence are shown on screen. Your team can tell reliable intelligence from incomplete intelligence before acting on it.
Designed to: stop costly decisions made on incomplete data.
Governed access and privacy
Role-based access, consent enforcement, masking of personal and sensitive data by default, and minimum-cohort suppression on demographic filters. Customer-level access is purpose-logged, and every drill-down, export, AI investigation and handoff is auditable.
Proof: Perx is ISO/IEC 27001 and ISO 27018 certified and holds SOC 2 Type II.
Handoff to planning
Signals that pass subscription, permission, confidence, consent, policy, suppression and evidence checks can be sent to Perx Growth Planner. Perx Intelligence Suite itself never creates campaigns, issues rewards or contacts customers.
Designed to: keep a clear line between intelligence and execution, the line regulated buyers require.
Also built for
The same three levers, tuned to
where a bank is starting from
Large Retail Banks
Modernizing a legacy points system
Runs on existing core banking data no multi-year replatforming. Capitec’s numbers above are the proof point for what this looks like at incumbent, multi-million-customer scale.
Micro-Lenders & BNPL
Turning repayment into a rewarded habit
For a lender, the loyalty problem isn’t points it’s repayment behaviour. Streak-based repayment missions and gamified credit-health journeys turn on-time payment into a habit instead of a collections exercise.
67% CAC reduction · 51% of dormant users reactivated in 30 days
Wallets, Superapps & Remittance
Built on frequency, not balances
Missions tied to monthly send streaks and reload cadence are built to convert one-off usage into repeat behaviour, the same mechanic logic proven in the Activate and Retain sections above. No client stat is attached here yet none exists for this segment.
67% CAC reduction · 51% of dormant users reactivated in 30 days
Perx Orbit · AI assistant, starting in Intelligence Suite
Ask your data a question. See exactly why it answered.
Perx Orbit is the AI assistant built into Perx. Anyone with permission can ask about Customer Insights and Customer 360 in plain language: what changed, what a score means, why a signal is showing. Orbit answers from approved, governed metrics only and states any data limits. It explains and reports. It does not launch campaigns, issue rewards or contact customers.
Question, answer and next step in one place, from spotting the opportunity to handing it to planning.
Answers you can trace
Every answer is grounded in the approved metric catalogue, with reason codes and any calculation or source limits stated. Orbit does not invent numbers, and it says when data is insufficient, restricted or unsupported.
Designed to: give the bank an AI assistant it can approve, because every answer can be checked.
Permission-aware by design
Orbit re-checks the user’s permissions on every metric, every time. It shows only what the user’s role, consent rules and masking policies allow, and never rebuilds restricted data from other answers.
Designed to: let you roll out AI without opening a new data-access risk.
In the real world · On the current Perx platform
The signal was always in the data.
Southeast Asia’s premier luxury retail mall had more than two million loyalty members, but most had no reason to open the app on any given day. The instinct was to treat it as a rewards problem: richer prizes, a bigger catalogue.
The data said otherwise. Coin redemption tracked campaign activity almost exactly, and live campaigns ran on just 17% of days. So the team kept something relevant live for every kind of customer, all the time.
Spotting the real cause in the data, rather than the obvious one, is what Perx Intelligence Suite is designed to make routine.
Result achieved on the current Perx platform. Perx Intelligence Suite is in development; its outcomes are framed as designed to deliver.
The obvious answer
Members aren't engaging, so make the rewards bigger.
What the data showed
Redemption followed campaign activity, and campaigns were live on only 17% of days.
What changed
Live campaign days went from 17% to 100%. Campaign participation grew 23×, and campaign-linked spend grew 41×.
Frequently asked
Questions your CDO, CFO
and risk team will ask.
and risk team will ask.
What is Perx Intelligence Suite?
Perx Intelligence Suite is the customer intelligence layer of the Perx Customer Intelligence & Growth Platform. It turns customer data into signals your team can act on, through two views: Customer Insights for the whole customer base and Customer 360 for any single customer. Every signal shows its evidence, reason codes, confidence and data freshness.
Does Perx Intelligence Suite connect to our core banking system?
Perx only receives data. Perx Data Acquisition collects signals from the systems you already run, and neither it nor Perx Intelligence Suite writes back to your core banking or source systems.
Can our customer data stay inside our environment?
Yes. Perx Intelligence Suite is designed to run in a Perx-managed cloud, through an on-premise collector that forwards to Perx, or fully on-premise inside your perimeter. You choose where your data lives.
Can our risk and audit teams see why a customer was flagged?
Every signal and score shows an evidence pack, reason codes, a confidence band (High, Medium, Low or Insufficient Data), source coverage and data freshness. Personal data is masked by default, and every customer-level view, export and AI investigation is logged.
Does Perx Intelligence Suite make credit decisions?
No. Perx Intelligence Suite produces engagement signals. It does not make credit decisions and does not feed your credit decisioning model. The two are kept separate.
Which industries does Perx Intelligence Suite support?
Banking and BFSI, telco, fintech and wallet, and insurance. Industry-specific signal cards switch on for each one: income and cashflow health for banks, recharge and upgrade readiness for telcos, wallet funding and payment usage for fintechs, and policy health and renewal readiness for insurers.
Related features
More inside Perx Intelligence Suite.
Industry-specific intelligence
Signal cards for banking, telco, fintech and wallet, and insurance switch on by industry, so you see the signals native to your business.
Customer value and experience
Current and predicted lifetime value bands, Sentiment Score and Expectation Gap Score show which high-value customers are having a bad experience.
Fraud and anomaly scoring
A severity-weighted score for abnormal velocity, duplicate issuance, referral abuse and transaction anomalies, with evidence, for permitted roles only.
Momentum and Deviation scores
Shows whether each customer’s behaviour is improving, stable, declining or abnormal against their own baseline.
Model Confidence Center
The model or rule version behind every score, and how reliable it has been.
Reports and charts on request
Ask Perx Orbit for a report and it raises a governed request through the Perx reporting service, with the same filters and permissions.
Built for BFSI compliance
Intelligence your risk team,
CDO and CFO can all sign off on.
ISO/IEC 27001, ISO 27018 and SOC 2 Type II
Certified security and cloud privacy controls, with the security pack available before procurement asks.
Masked by default
Personal and sensitive data is masked unless a role is permitted to see it, with minimum-cohort suppression on demographic filters.
Purpose-logged access
Every customer-level view, drill-down, export and AI investigation is logged and auditable.
Do-Not-Nudge guardrails
Customers with complaints, consent limits, financial stress or fraud risk are held back before any campaign is planned.
Read-only to your systems
Perx receives data and never writes back to your core banking or source systems.
Data where your regulator needs it
A Perx-managed cloud, an on-premise collector, or fully on-premise.
Explore other engines
Intelligence is where it starts. Here's what acts on it.
You are here
Perx Intelligence Suite
Know which customers need attention, and why.
Campaign Engine
Segmentation, journeys, microsites and social sharing, launched without an IT ticket.
Built for BFSI compliance
None of this works if compliance is
bolted on afterward
Every mechanic above ships with BFSI regulatory requirements embedded, not retrofitted — stated up front because compliance and infosec are named blockers in most BFSI buying committees, not an afterthought to raise once a deal is already moving.
ISO/IEC 27001 & 27018
Certified, audit-ready from deployment.
GDPR-compliant by design
Zero- and first-party data, no third-party dependency.
Full RBAC & maker-checker
The right approvals in place before any rule or campaign deploys.
Explore other engines
Intelligence is where it starts. Here's what acts on it.
AI-Powered
Segmentation, journeys, microsites and social sharing, launched without an IT ticket.
See Perx Intelligence Suite in action.
In 30 minutes, we’ll walk you through Customer Insights, Customer 360 and Perx Orbit on sample data, and show how the signals your bank already holds could tell your team who needs attention next.
An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution
SAY HELLO
Perx Technologies Pte Ltd
20A Tanjong Pagar Road
Singapore 088443
An ISO/IEC27001:2013 and ISO 27018:2019 compliant cloud solution
An ISO/IEC27001:2013 and ISO 27018:2019 certified cloud solution