The Financial Health AI Platform

a win-win for both banks & their retail customers
Banks that Leverage Our Unique Solutions See Up To:


Life Time Value (LTV)


Satisfaction Rate (NPS)


Return on Investment (ROI)


Give Your Bank an Unfair Advantage

From key point indicators (KPIs) to lifetime values (LTVs), we understand what makes banks work. 

We've poured our experience into building sophisticated tools that help you grow your bottom line, while putting a smile on your customers' faces.

Reduce Attrition Rates

Build loyalty among your customers by offering the right solution, the right way, at exactly the right time.

Sell More Personal Loans

Automatically offer appropriate loan terms to your customers, because personal loans are never one-size-fits-all.

Cross-Sell Existing Services

Make the most of your portfolio of services by leveraging our AI-powered sales tools to strengthen your customer relations.

Increase Savings Deposits

Automated micro-savings help customers fortify their savings accounts, without giving it a second thought.

Improve Debt Collection

Customers can "set and forget" debt repayments, strengthening their financial health and reducing your labor costs.

Slash Default Rates

Machine learning means that customers will no longer be surprised by insufficient funds, resulting in fewer defaults for your bank.

Drive Digital Engagements

Offer your customers the latest tech features they now expect, alongside the personal relationships they already value.

Boost Satisfaction & NPS

A savvy customer is a satisfied customer. Help them take charge of their financial health, and become your bank's biggest champions.



Our Solutions Are Changing the Game

Our AI modules live at the intersection of advanced behavioral economics and best-in-class machine learning

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Our Customers are Seeing the Change



Global Winner
OpenTalent 2017




"You guys are already initiating transactions on behalf of customers."

Carlos Torres Villa


Easy Change for Massive Transformation

Become the hero that drives your customers to financial success. Use our technology to provide a proactive & personalized experience that automatically improves your customers’ financial health.

Our AI platform only requires 90-days of historical transactional data to be able to offer value, not like others that demand at least 1 year making it impossible to serve new customers.

Serve New Customers

Our system does not require any personal identifiable information (Non-PII) - only transactional data that include Date, Amount, Description and Running Balance.

GDPR Friendly

Our API will deliver scores and suggest actions to be taken on a daily basis for each account making it the perfect technology to drive banking automation and improved efficiency.

Daily Scores & Actions

Guided by behavioral economics, our predictive ML models lead the industry in accuracy, and are measured to be 5x more accurate than other naive predictions used in the market today.

Unrivaled Accuracy

Change is Easier than Ever

Change Labs' guided integration process ensures you can get our modules up and running in no time, with minimal technical investment.

Our Unique Approach

Behavioral Economics

Guided by the noted research of our own behavioral economics expert, Prof. Eyal Winter, we understand how people relate to their finances, and how they can be guided to make smarter financial decisions

Financial Expertise

We're passionate about financial health. In fact, our founder sold to tech companies to focus on this mission because financial health is in his DNA

Machine Learning

Our team has years of experience building machine learning models, feeding them with real-time data, effectively training them and operating them at scale to fit banks of all sizes