We've helped over 100 financial institutions start important discovery conversations through mobile and online banking.

We leverage data, AI, and soaring digital banking traffic to:

  • Win back business lost to competitors
  • Discover unmet financial needs
  • Drive adoption and use of electronic services
  • Cross-sell financial products and services

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  • Lower customer/member borrowing costs by refinancing mispriced debt held elsewhere.
  • Engage with 15-20% of the digital banking audience every month to surface unmet needs.
  • Know which campaigns are driving business, and which aren't.
  • Set-and-forget campaigns knowing that Micronotes.ai is learning your customers/members preferences and adjusting dialogues accordingly.
  • Compare your Net Promoter Score to your competitors, drive referrals from your promoters, and learn how to improve customer service.
  • Customize your customer/member journeys to your financial institutions' voicing and infrastructure.

Ready to win back the business your customers/members have taken elsewhere?

Learn how Micronotes.ai can help your financial institution turn digital conversations with mobile and online banking customers into more revenue and deeper relationships.

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Under The Hood

Surface Mispriced Debt

Personalized Digital Dialogues

Full Analytics

Automatic Machine Learning

Net Promoter Score

Flexible Targeted Content

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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

Micronotes.ai 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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This interview response/lead from one of our client's customers is why https://micronotes.ai predicts, asks, learns, and acts, before someone else does! "We are planning to start at a home loan soon. Probably to buy in December/January" #ai #mortgage #Banking #fintech

If you want to listen and learn from your digital banking customers, you've got to engage in dialogue with them. Just this week, our "most engaging" clients saw engagement rates of 38%, 36%, 35%, 34%, and 34%. Ask, listen, learn, & act with https://micronotes.ai! #ai #banking

When asked why s/he declined an offer to refinance a mortgage, a digital banking customer replied, "Current rates not low enough to make refi reasonable." It's hard to imagine a lower interest rate environment. It's time to do the math for customers and $$ the savings!#refinance

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