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

The world has changed, all customers are now mobile-online banking customers. The winners will adapt to soaring digital traffic with automated data analysis and personalized digital dialogues to uncover and serve unmet customer or member needs.

By combining artificial intelligence with digital dialogue technology in the cloud, leverages data held by the financial institution, credit bureaus, websites, and individual customer dialogue responses to ask personalized questions in the digital banking channels to discover unmet needs — driving engagement, refinancing, product and e-service adoption, revenue and deposit growth. drives 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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Whoa! One of our clients completed 3,099 interviews in mobile/online banking in July, made 490 offers, and closed 99 sales. That's a 15.8% response rate and a 3.1% close rate. The credit card direct marketing response rate for Q12020 was 0.25%. #fintech #banktech #News_CUInsight

The average #bank owns 2 products per customer but, customers own 5 to 7 financial products. How do you stack up? When was the last time you asked your customers about their life and financial needs? We can help you with that.

For YTD 2020, our top 5 most engaging banking clients engaged 55%, 53%, 52% 46%, & 45% of their digital banking customers in a two-way needs discovery dialogue. Engagement + credit bureau data + AI = ReFI your customers mispriced debt held elsewhere!#ai

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