AI market research for banks and fintechs.
Find out why applicants quit, why deposits leave and what customers think a fee means. Interviews run overnight, and digital twins test offers in minutes.
- 1Started application1,000
- 2Personal details820−180
- 3ID and selfie check690−130
- 4Fund the account410−280
- 5Set up direct deposit330−80
Why they stopped at funding
280 applicants left at this step. 100 of them were interviewed that night.
- No routing number at hand31“I'd have to find a check. Who has checks anymore?”
- Would not type their other bank's login22“Putting my main bank's password into your app felt wrong.”
- Micro-deposits took too long21“It said one to three business days. By then I'd forgotten.”
- Opening deposit felt too high15“A hundred dollars to open was more than I wanted to move yet.”
- Wanted the fee schedule first11“I couldn't find what the monthly fee was before paying in.”
Why applicants quit, and what makes us their main bank.
What teams run
Each study starts with a question like one of these.
Account opening drop-off
“Why do a third of approved applicants never fund the account?”
Primacy and direct deposit
“What would it take for them to move their paycheck to us?”
Fee and disclosure comprehension
“After reading the overdraft notice, can they say when the fee applies?”
Card value proposition
“Do under-35s pick 3% back on dining or 2% on everything?”
Small business banking
“What would get an owner to move their operating account and payroll?”
Advice and wealth
“Why do clients with an advisor keep a second account at a robo-advisor?”
Reach the people who are hard to book.
Business owners, mass-affluent investors and people who just switched banks rarely sit for a focus group. They answer here by text or voice, at an hour that suits them. A hundred interviews run overnight.
Get the reason behind the drop-off.
Your funnel shows the step where applicants quit. The interviewer asks the ones who quit why, follows up, and codes the answers into counted reasons with quotes by morning.
Try ten drafts before one goes to legal.
Fee explanations, card offers and rate messages take weeks to approve. Digital twins of your customers react to every draft in minutes, so only the strongest two go to compliance and then to real customers.
How you run it
- 1Minutes
Screen
A thousand digital twins answer first, so the weak options drop out.
- 2Overnight
Interview
The AI interviewer talks to real people and follows up on what they say.
- 3By morning
Decide
The number, the reasons behind it and the quotes that carry it.
Questions
How do banks use AI-moderated interviews?
Banks and fintechs use them to learn why applicants abandon account opening, why customers move deposits, and whether fee and rate language is understood. A hundred interviews run overnight and come back coded into themes, counts and quotes.
Can Jean interview small business owners and investors?
Yes. Jean interviews retail customers, small business owners and investors, recruited to your spec or invited from your own customer list. Each person answers alone, by text or voice, when it suits them.
Can we test disclosures and fee language before launch?
Yes. People read the draft and explain in their own words what it means and when a fee applies. Digital twins can screen many drafts first, so your compliance team reviews fewer versions.
Do people talk openly about money with an AI interviewer?
They answer in private, with no moderator in the room and no other participants listening. The interviewer follows up on what they say and does not judge the answer.
How are digital twins used in financial services research?
Each twin is built from a real customer interview. Teams ask a thousand of them about offers, rates or messages in minutes, then confirm the leading options with real interviews overnight.
Can our agency resell this to financial clients?
Yes. Research agencies and panel companies resell Jean's AI interviewer and digital twins under their own brand. Jean runs the technology; you keep the client, the method and the margin.