Intelligent insights designed to optimize user experiences

Human Behavioral Insights™ is an algorithm that intelligently analyzes users’ financial behavior, financial wellness, and spending habits, helping FIs identify opportunities to deliver meaningful, well-timed offers and achieve greater customer loyalty.

Indicative solutions

User spending insights
Intelligent offers
Financial health dashboard
Recommended & automated savings

Applicable market verticals

Banks & credit unions
Neo & challenger banks
Alternative financial institutions
Smart cities
Gig & contractor organizations
Banking cores, issuers, & processors

Delivering value to users and clients with intelligent analysis

Human Behavioural Insights pairs users with new financial service offerings, card-linked-offers, and merchant funded rewards to not only create meaningful value for the user, but also for the client.

Use Cases

These are just a few ways you can innovate using Core DBX

Retail Digital Banking

Deliver an exceptional digital experience tailored to end-user needs

View Use Case

Agent Banking

Empower clients with unparalleled card benefits and the tools to take control of their financial freedom.

View Use Case

Your centralized administration tool for everything

The FT Toolbox™ is a suite of centralized client administration tools that support a range of functions specific to a client’s product set. Clients are able to manage branding, users, functionality, business rules, image processing, transactions, and reporting - all of which increase brand exposure, limit risk, and improve decisioning. Being modular in nature, the Toolbox only displays what is necessary for each client and subsequently each individual user.

Your one-stop research and development shop

Driven to continually evolve, we believe that innovation requires endless discovery. X-35 FinTech Core is your research and development powerhouse that will enable you to deliver the "X-Factor" well beyond 2035.

Partner with us today

Are you ready to innovate using Human Behavioral Insights?


Looking to expand the experience?

Unlock your full potential with X-35 FinTech Core