EQVI — The Relationship Layer for Banking
Banks understand money.
EQVI understands people.
Banking Integration
Built into your banking app
A customer experience during the first days of EQVI
Understands the customer’s current situation
Predicts what matters next
Coordinates recommendations across life
Learns continuously from feedback
Nutrition profile
40%
complete
20 of 50 nutrition parameters identified
Fashion profile
30%
complete
15 of 45 fashion parameters identified
Understands the customer’s current situation
Predicts what matters next
Coordinates recommendations across life
Learns continuously from feedback
How EQVI Works
EQVI orchestrates every personalized customer journey—from recommendation to purchase.
01
Domain Intelligence
Domain experts continuously train, evaluate and refine specialized AI models for nutrition, health, style, travel and other areas of life.
02
Unified Customer Profile
All signals from different domains unified into one intelligent profile to understand the whole person.
03
Cross-Domain Intelligence
Experts and AI connect insights across domains to understand relationships and what matters next.
04
Contextual Recommendations
Personalized suggestions delivered in the right context, ensuring relevance to customers.
05
Continuous Feedback
Real user feedback and behavior signals continuously feed the system to refine the experience.
06
Adaptive Learning
AI continuously learns and becomes more accurate, adapting to your evolving needs and goals.
EQVI ENGAGEMENT
Real engagement. Real results.
Metrics based on real user interactions during EQVI onboarding
(March–June 2026, n=15.000 users).
85%
positive recommendation ratings
70%+
complete onboarding and activate services
9 min 15 sec
average onboarding time
50%+
return and actively use EQVI
Benefits
Business Benefits for Banks
EQVI helps banks create value in three ways: stronger relationships, higher product conversion, and new revenue streams.
01
Build Long-Term Customer Relationships Through Care
The bank remains the primary digital assistant in the AI era
Daily relevance
Stronger engagemen
Deeper trust
Lower churn and higher LTV.
02
Increase Product Sales Through Context
From transaction-based selling to context-based banking. EQVI gives banks a complete understanding of customer needs, enabling the right product at the right moment.
Nutrition
Personalized cashback on healthier groceries based on your real-time health condition
Exclusive offers for preventive health check-ups when they’re due
Telemedicine integrated with your Health Tracker
BNPL and installment plans for healthy kitchen appliances
Nutrition budgeting and spending optimization with personalized savings goals
Fashion
Personalized cashback on clothing, shoes, and accessories selected for you
Wardrobe analysis and seasonal spending planning
BNPL and installment plans for recommended purchases
Seasonal wardrobe savings fund with automated contributions
Purchase protection and extended return benefits
03
Partner-Funded Loyalty & New Revenue Streams
Every purchase made through an EQVI recommendation generates partner commission. The bank decides how to use this revenue to fund loyalty, increase rewards, or create additional profit.
Result
Lower loyalty program costs
Partner-funded rewards
A scalable source of non-interest revenue
Stronger marketplace economics
Higher profitability per active customer
HOW EQVI WORKS
Tailored API
Documentation
Complete a short technical brief. Our integration team prepares API documentation tailored to your banking systems and architecture.
Secure by design
Bank-grade security and privacy.
REST APIs & SDKs
Fast integration into existing systems.
Your customer. Your brand.
EQVI works entirely inside the bank app.
Modular deployment
Start with one domain. Expand anytime.
Customer
Conversations · Context · Signals
EQVI
Life Intelligence Layer
Context
Prediction
Personalization
Recommendation
Your Bank
Integrated Systems
Mobile App
CRM
Loyalty
Payments
Core Systems
Customer Receives
Personalized Engagement
The right recommendations delivered inside your native banking app.
Secure by design
Bank-grade security and privacy.
REST APIs & SDKs
Fast integration into existing systems.
Your customer. Your brand.
EQVI works entirely inside the bank app.
Modular deployment
Start with one domain. Expand anytime.
Trusted by Banks
More than 20 years building digital products. More than 10 years in banking.
Our team combines more than two decades of experience building digital products with over ten years of delivering customer engagement, loyalty, and lifestyle solutions for leading banks and payment networks. EQVI brings this experience into a new generation of Customer Intelligence for banking.
20+ years of experience • 10+ years in banking • 30+ financial institutions
Selected banks and financial institutions our team has collaborated with across previous projects.
20+ years of experience • 10+ years in banking • 30+ financial institutions
History Navigation
2022 – Present
EQVI | Life Operating System
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2022 – Present
EQVI | Life Operating System
2022 – Present
EQVI | Life Operating System
EQVI is developing a new generation of AI-powered personal systems designed to help people navigate everyday life through continuous personalized dialogue. Focused on high-stakes decisions and proactive life assistance.
2016 – 2022
EQVI Labs
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2016 – 2022
EQVI Labs
2016 – 2022
EQVI Labs
Research and development in conversational interfaces, personalization systems, behavioral intelligence, and digital ecosystems.
Conducted international testing across travel, commerce, education, career development, health, nutrition, physical activity, and lifestyle services.
Across all projects and research initiatives, the combined audience approached one million users worldwide.
2012 – 2016
EQVI Life Assistant
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2012 – 2016
EQVI Life Assistant
2012 – 2016
EQVI Life Assistant
One of the early personal conversational assistants bringing multiple areas of life into a single interface and laying the foundation for the Life Operating System concept.
2011 – 2012
Vedomosti iMall
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2011 – 2012
Vedomosti iMall
2011 – 2012
Vedomosti iMall
Travel and fashion marketplace developed for one of the region’s leading business media brands.
Partners included Austrian Airlines, Delta Air Lines, British Airways, and leading international travel and lifestyle brands.
Clients included Financial Times, The Wall Street Journal, and Independent Media.
2010 – 2011
Eqvilibria
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2010 – 2011
Eqvilibria
2010 – 2011
Eqvilibria
One of the early banking marketplaces, bringing together more than 500,000 products and services within banking loyalty ecosystems.
Clients included Raiffeisen Bank and Citibank.
2009 – 2010
Mastercard Izbrannoe
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2009 – 2010
Mastercard Izbrannoe
2009 – 2010
Mastercard Izbrannoe
One of the early lifestyle platforms developed for an international payment network.
Built and managed the partner ecosystem, content operations, call-center management, merchant onboarding, and nationwide program execution.
Client: Mastercard Europe.
2005 – 2015
Eqvilibria Club
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2005 – 2015
Eqvilibria Club
2005 – 2015
Eqvilibria Club
One of the early lifestyle platforms for banks, combining loyalty programs, privileges, concierge services, partner networks, and customer engagement programs.
Clients included Société Générale, Intesa Sanpaolo, Swedbank, Alfa-Bank, and more than 20 banks.
Let's build the future of banking together.
Join forward-thinking banks already exploring the next generation of customer relationships.
