Fineco Bank quadruples onboarding engagement with AI-personalized mobile app

As part of its 2026–2029 Industrial Plan, Fineco Bank is targeting client-base expansion, with younger cohorts, particularly under-35s, a focus of its personalization efforts.

Fineco introduced AI-driven onboarding workflows and uses machine learning to personalize its mobile app, tailoring product suggestions and communications to younger cohorts, especially under-35s. The initiative supports the client growth targets of Fineco's Industrial Plan.

Following deployment of AI-driven onboarding workflows, Fineco reported a 4× increase in onboarding interaction levels.

• 4× onboarding interaction increase post-AI deployment
• Personalized journeys targeting younger cohorts aim to improve conversion rates and customer lifetime value
• The bank expects AI to support its plan's targets: a low double-digit CAGR in key businesses and doubling of select client groups

Longer-term improvements in conversion rates and customer lifetime value are projected rather than confirmed.

• Onboarding is a high-leverage intervention point: a 4× lift in onboarding interaction suggests that personalization applied early in the customer lifecycle can produce strong results.
• Cohort-level segmentation — not just individual personalization — is a practical ML entry point; Fineco is targeting under-35s as a defined segment.
• Embedding AI initiatives inside a multi-year strategic plan (rather than treating them as standalone experiments) ties them to measurable commercial objectives.