AI-powered
proactive engagement
inside retail banks.
Anchor detects life events in real time and acts before customers disengage - turning passive account data into proactive relationships.
The problem
Banks lose customers at life's most financially significant moments.
Marriage, divorce, relocation, first home, new job.
But the infrastructure to act on it in real time doesn't.
Customers get generic service when they need guidance most.
The shift
Reactive banking → proactive engagement.
Tools record transactions. Relationship teams chase signals manually. Most life events are noticed only after a customer has already moved.
We continuously read account patterns, detect life event signals, and deliver personalised guidance automatically - inside the bank's product, under the bank's brand.
The solution
Three layers, one embedded product.
Life event detection
AI identifies triggers across existing account data: home purchase, job change, marriage, divorce, inheritance.
Proactive guidance engine
Surfaces relevant products and next steps - with live local tax and regulatory intelligence built in.
White-label infrastructure
Zero customer behaviour change. Deployed inside any bank's existing product, under their brand.
Market
A multi-billion euro retention gap across 3,000+ European institutions.
Entry: regional and challenger banks in Luxembourg and Benelux. Expansion: DACH, broader Europe, and adjacent verticals including insurance.
Business model
Four revenue streams.
- Integration fee
- Monthly per-active-user fee
- Platform fee
- Revenue share on products opened through Anchor
Competitive landscape
The only solution combining guided journeys, bank-embedded B2B2C, and jurisdiction intelligence.
Financial plan
Use of funds - €1.6M
Where the round goes.
Founding team
Domain-native. Regulatory fluent. Locally embedded.
Build it with us.
We're partnering with forward-looking banks and investors across Europe. Drop your email - we'll share pilots, milestones, and openings.