Overview
AI-Powered Merchant Services Growth for Banking
Incedo Lighthouse is an AI-driven decision intelligence platform designed to help banks grow merchant services revenue across retail, business banking, and existing merchant portfolios. Built on AWS and integrated with CRM platforms, merchant processors, and core banking systems, the solution creates a unified view of merchant opportunity data and enables real-time action across assisted and digital channels.
The Challenge: Low Merchant Penetration and Fragmented Intelligence
Regional and commercial banks face increasing competition from fintechs and payment providers. Despite investments in CRM and digital channels, customer data often remains fragmented across systems. Relationship managers may lack visibility into business ownership, wallet share potential, payment gaps, and churn risk.
This results in missed merchant acquisition opportunities, lower share of wallet, slower decision-making, and revenue leakage across segments.
The Solution: AI-Driven Merchant Growth Intelligence
Incedo Lighthouse applies machine learning, advanced analytics, and next-best-action intelligence to help banks identify, prioritize, and convert merchant growth opportunities.
Key Capabilities
- Business ownership detection using transaction and external data
- Industry classification and merchant revenue estimation
- Wallet share opportunity analysis
- Payment gap detection and cash flow insights
- Churn prediction for merchant retention
- Next-best action recommendations
- Omnichannel activation across banker tools, portals, and apps
- Continuous optimization through testing and feedback loops
Business Value
- Higher merchant penetration and fee revenue growth
- Improved banker productivity through insight-led engagement
- Faster lead conversion and cross-sell outcomes
- Increased wallet share with existing merchants
- Lower delivery effort through reusable AI assets
- Extendable foundation for Treasury, Lending, and Wealth use cases
Highlights
- AI-powered merchant growth platform that uncovers hidden merchant opportunities and recommends next best actions in real time.
- Built on AWS and integrated with CRM, merchant processing, and core banking systems for seamless activation.
- Reusable enterprise AI foundation that extends to Treasury Management, Business Lending, and Wealth Management use cases.
Details
Introducing multi-product solutions
You can now purchase comprehensive solutions tailored to use cases and industries.
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Support Details
For product support, implementation assistance, and technical inquiries, customers can contact the Incedo support team:
Website: <www.incedoinc.com >
Email: Partnerships_Alliances@incedoinc.com
Incedo provides support across platform implementation, integration with enterprise systems, onboarding, user enablement, and ongoing optimization to improve business outcomes and system performance.