Be the first to know about customers’ or members’ unmet needs

Let’s face it, traditional banking is facing unprecedented threats from big-tech, fintech, and challenger banks. Banking providers that are the last to know, or never know about their own customers’/members’ life events and financial needs lose business every day, fail to deepen relationships, and place the entire customer base at constant risk of attrition.

Financial institutions running Micronotes are the first to know about unmet financial service needs, being in constant dialogue with customers and members.

By combining artificial intelligence with survey technology in the cloud, Micronotes asks personalized questions in the digital banking channels to discover unmet needs — driving engagement, product and e-service adoption, revenue and deposit growth.  In short, we drive deeper relationships that aren’t easily broken.

Solutions For:

solutions for large banks

Large Banks

Micronotes provides turn-key or functionally-driven API-based cross-sell solutions to help large financial institutions connect with their digital customers through the digital banking channels.

solutions for community banks

Community Banks

Micronotes provides turn-key cross-sell solutions that are pre-integrated to the most widely used mobile and online banking systems to help community banks leverage their service culture to level the playing field.

solutions for credit unions

Credit Unions

Micronotes provides turn-key member engagement solutions that are pre-integrated to the most widely used mobile and online banking systems to help credit unions leverage their member-focused culture to drive deeper relationships with members.

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We Are




Micronotes innovative approach to machine-learning creates meaningful dialogue with the target audience to improve engagement metrics.


Micronotes engages nearly one in five digital banking customers per month through discovery dialogue to validate predicted financial services needs.

Act & Learn

Micronotes connects online banking customers to digital resources and humans for fulfillment — whichever the user requests — and automatically learns from the interaction.

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Driven By
Engagement delivers engagement and cross-sell results by asking mobile banking and online banking customers smart questions about life events that drive personal financial needs.

Defined By



Financial Institutions can’t learn about unmet customer/member needs if they can’t engage them in dialogue. 19% of our clients’ mobile and online banking users take at least one interview in a typical 90-day period.



We are obsessed with asking digital banking users smart questions to convert analytics into a real understanding of individual customer needs. 25% of personalized offers are accepted following a dialogue in mobile and online banking in a typical 90-day period.



Our clients leverage Micronotes’ machine learning to process the huge volume of bank-held, third-party, and customer/member response data to automatically improve targeting accuracy. Micronotes automatically processes 100% of these data into training data to machine-learn who to connect with next, about what. Our clients also use these downloadable propensity scores to run smarter, more effective email and direct mail campaigns.

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"All gave some; some gave all." said Korean War veteran and purple heart recipient Howard William Osterkamp from Dent, Ohio. We are eternally grateful to our fallen heroes.

Our Micronauts switched-on at 50 new banks in the past 50 days to help financial institutions adapt to changing contexts and data sets to create new dialogues and drive new value in real-time, at scale. Rock stars, all of them! #fintech #Banking users are performing beautifully during this pandemic. posted a Net Promoter Score of 90! (n=225) with one customer remarking, "I have done banking with Bank of Utica since 1965 and have never had a problem..." Excellent bank! #NPS

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