Serene is the customer context layer for financial services, helping firms understand when customers’ circumstances are changing before traditional indicators surface.
Using behavioural intelligence, Serene analyses anonymised financial data to identify emerging financial distress, vulnerability, scam susceptibility and other forms of customer risk up to 60 days earlier. This enables banks, lenders and payment providers to intervene sooner, personalise support, improve decision-making and unlock safer growth.
Serene’s explainable models turn complex behavioural patterns into clear, actionable insights that can strengthen fraud prevention, credit risk, collections, customer engagement and Consumer Duty oversight.
Already working with organisations including NatWest, TSB and Mastercard, Serene is building the intelligence infrastructure financial institutions need to move from reactive, transaction-led decision-making towards a more dynamic understanding of the people behind the data.
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