behaviourally intelligent finance
Rethinking financial journeys with behavioural intelligence
In financial services, trust, clarity, and retention are everything. Yet customers often face complexity, confusion, and inertia when navigating financial decisions. At Cowry, we blend behavioural science, AI and data to make these journeys simpler, more human, and more effective, for consumers and firms alike.
Common challenges we solve
Digital journeys
We simplify and structure digital experiences to guide behaviour, reduce friction and minimise drop-off across key user flows.
Acquisition & retention
We apply behavioural science to boost customer conversion, deepen loyalty and reduce churn across acquisition and retention journeys.
Proposition complexity
We make financial concepts like advice vs. guidance easier to understand, helping customers make confident, informed decisions.
Self-serve & escalations
We design journeys that empower customers to self-serve successfully, reducing pressure on contact centres and unnecessary escalations.
Driving engagement
We help customers connect with pensions, savings & investment products, turning apathy into action and empathy into compassion.
Supporting vulnerability
We design communications and journeys that identify, support and empower vulnerable customers with care, clarity and confidence.
Industry relevant initiatives
We support firms in navigating
Compliance
on regulated initiatives such as consumer duty
FCA guidance
on vulnerability and customer outcomes
Digital migration
and self-serve
Long-term savings
and ensuring financial wellbeing
Trusted by major brands
Impact we’ve delivered
pot consolidation through a personalised behavioural Digital Summaries video campaign
in paperless banking following behavioural comms intervention
when driving self-serve options
for vulnerable customers
Behavioural
science in action
Discover how we transformed Aegon’s
engagement strategy through behaviourally
intelligent videos that delivered measurable
uplift consolidation and annualised ROI.
Why it works
We combine behavioural science and AI to deliver communications that cut through the noise, drive action, and scale with confidence.
- We simplify complex decisions
Using neurodesign, visual saliency, and behavioural framing, we translate financial jargon and intricate product details into messages that customers understand, remember, and act on, without oversimplifying or losing accuracy. - We influence behaviour ethically and fairly
In a regulated industry, we design interventions that balance customer needs and commercial goals. Our work drives positive financial behaviours, like saving more, reducing debt, or making informed investment choices, while staying within FCA and regulatory guidelines.