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fayqun · the decisioning layer for banks

Banking that fits.

Your bank already knows what each customer does. fayqun turns that into what each customer should be offered, drafted by AI, decided by your people, and recorded so it can be replayed.

Request a demo What it does

What fayqun does

Three things a bank cannot do at scale today.

Segments were a compromise. A segment of one is the promise. fayqun delivers it without handing the decision to a machine.

Understand each customer as one

A living persona for every account holder: lifestyle, intent, trajectory and value to the bank, built from observed behaviour across every line, and sharpened by every response.

So that the next offer is designed around a life, not a bracket.

Decide inside your policy

fayqun drafts the product, the price and the grow / retain / exit call for each relationship, valued over its lifetime and tested against your risk appetite before it is shown to anyone.

So that growth and prudence stop being a trade-off.

Prove every decision

Each decision is signed by a person and written to a ledger with its model version, inputs and value, so a regulator, an auditor or a customer can replay exactly why it was made.

So that personalisation and compliance are the same system.

Why now

Two decades of transformation bought banks data. It did not buy understanding.

Core upgrades, data lakes, CRM, Customer 360: the information is there. What is missing is the layer that reads it one customer at a time and decides, accountably. That is the layer fayqun is.

Core bankingMobile appsData lakesCRMCustomer 360ChatbotsDecisioning layer

What it changes

For the customer, a bank that fits. For the bank, a card that gets used.

One cardholder, on the demo book. Twelve months.

Layla · 31 · salaried · one card for everything

From 1% cashback for everyone to a bundle built from how she lives

1
Every 6th coffee on the bankpartner cafés on her morning route
2
10% back at partner padel courtsweekends · merchant-funded
3
Zero FX fees on family tripsBeirut, twice a year

1.9×

rewards earned vs. annual card fee

+QR 36,000

added spend on the card

+QR 1,180

12-month NPV after reward cost

OFFER 48213·model v1.4·NPV +QR 1,180·SIGNED ✓Human approval

↑ Spend

More of the customer's spend lands on your card because the offer is worth using

↑ Share of wallet

Bundles priced to pay for themselves, so retention does not come from discounting

↑ Engagement

Every response feeds the persona, so each decision is better than the last

Illustrative figures from a synthetic demo book.

Why you can trust it

Agents draft. Humans decide.

fayqun's agents analyse the book, design products, build offers and recommend decisions. None of them can reach a customer. A person approves, holds or overrides every draft, and that signature is the record.

Agents draftwith their evidence attached

→Human approval→

Signed and deliveredwritten to the ledger

Inside your policy

Risk appetite, pricing rules and eligibility are constraints the agents work within, not suggestions they weigh.

Replayable by a regulator

Model version, inputs, value and signatory on every decision. Nothing is a black box after the fact.

Your data stays yours

fayqun reads from your systems and writes decisions back. The persona is an asset of the bank.

How we start

We start with cards. The memory carries everywhere else.

One customer memory serves every business line. Cards are where behaviour is richest and results show fastest, so that is where the first ninety days go.

Connect the book

Read-only access to card transactions and the product catalogue. No core changes.

Build the personas

Every cardholder analysed. You see your own book as segments of one for the first time.

First bundles, signed

Agents draft; your team approves. Offers go out priced, with the ledger running from day one.

Extend the memory

Retail & SME, collections, wealth, insurance: the same persona, the same ledger.

Cards→Retail & SME→Collections→Wealth→Insurance

See your book as segments of one.

A demo on our card book takes forty minutes: the personas, the agents drafting, a person deciding, the ledger. Doha · Riyadh · Beirut.

Or write to ussupport@fayqun.ai