For financial institutions, growth involves deepening relationships with existing customers. At a time when switching financial institutions comes at a low cost and fintechs offer many of the same benefits as traditional banks, customer engagement and financial wellness have become strategic priorities.
For traditional financial institutions whose offerings can seem static, providing personalized experiences that help customers save smarter, build better financial habits, and feel more in control of their financial lives can help retain and win over clients. The banks that succeed will be those that can embed themselves into customers’ day-to-day financial decisions.
At FinovateSpring 2026, five companies are focused on helping banks do exactly that. From savings and financial wellness tools to engagement platforms and next-generation consumer experiences, these solutions are designed to drive loyalty, increase product adoption, and deliver measurable value to both customers and institutions.
Plinqit
Business HYS by Plinqit helps banks compete for deposits while giving small and medium-sized businesses (SMBs) more effective ways to manage their cash. The platform is designed to drive deposit growth by offering high-yield savings experiences tailored to business customers, an area where many traditional banks have struggled to differentiate.
Headquartered in Ann Arbor, Michigan and founded in 2015, Plinqit enables financial institutions to attract and retain SMB deposits without overhauling their existing infrastructure which ultimately helps level the playing field to compete against larger competitors and digital-first challengers.
Goodfin
Goodfin is expanding access to alternative investments by opening institutional-grade opportunities to a broader range of investors. Its platform is designed to help financial institutions and fintechs offer differentiated wealth-building tools such as private equity, venture capital, and pre-IPO deals that go beyond traditional stocks and bonds.
Founded in 2022 and headquartered in San Francisco, Goodfin enables banks to meet growing customer demand for access to alternative assets, while positioning themselves as gateways to more sophisticated investment opportunities.
Level
Level helps auto lenders reduce losses by identifying and recovering missed value in total loss insurance claims. Its AI-powered claims management platform centralizes workflows into a single portal, enabling lenders to detect undervalued claims and dispute them at scale.
Backed by licensed claims experts, Level combines automation with human oversight to increase recoveries, reduce deficiency balances, and accelerate time to payment. Headquartered in New York and founded in 2023, the company offers banks, credit unions, and lenders a way to improve operational efficiency while directly impacting the bottom line.
BankUniverse
BankUniverse delivers a privacy-first intent engine that helps financial institutions identify and convert high-value prospects without relying on sensitive personal data. By analyzing user intent signals rather than personal identifiers, the platform enables banks to drive digital sales while maintaining strong data privacy standards.
Founded in 2024 and headquartered in Greece, BankUniverse helps institutions increase conversion rates while navigating growing regulatory and consumer expectations around data protection.
Bluum Finance
Bluum Finance provides a unified platform for embedded investing, combining brokerage, custody, and reporting into a single API. Its infrastructure allows financial institutions and fintechs to launch fully compliant investment offerings quickly, without the complexity and cost typically associated with building these capabilities in-house.
Founded in 2025 and headquartered in Los Angeles, Bluum enhances its offering with AI-powered advisory tools that deliver personalized investment experiences. The platform is built for a wide range of providers looking to bring investing into their existing customer journeys.
Why banks should care
Financial wellness and engagement are quickly becoming primary drivers of growth instead of nice-to-have features. Banks are under pressure to increase deposits, deepen relationships, and create new revenue streams while competing with fintechs that are often more agile and user-focused. Platforms that help customers save more effectively, access new investment opportunities, or receive more personalized financial guidance can translate directly into higher balances, stronger loyalty, and increased product usage.
At the same time, these tools enable banks to expand their role in customers’ financial lives without significantly increasing operational complexity. Whether it’s embedding investing capabilities, improving digital acquisition, or unlocking overlooked sources of value in existing portfolios, financial wellness platforms offer a practical way for institutions to drive both customer outcomes and business performance.
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