The bank offers proposed are based on the collected and
evaluated behavioural data in respect of customer spending patterns or
propensity to save or take risks. For example, it is possible to provide
calculations showing customers a chart of a consumer loan, property mortgage
or retirement plan in line with their financial behaviour. Consideration will also be
given to external dynamics (interest rates, securities quotations and exchange
rates) which can be changed interactively in the scenarios and forecasts.
Additionally, customers can configure individualised services, such as alarm
signals or text messages, to inform them of overdrafts or unusual account
activity which the underlying self-learning algorithm recognises.