How can banks and different monetary establishments provide their clients dynamic, AI-powered experiences that present higher, quicker, extra personalised options and providers in comparison with the generic, static interactions of the previous?
On this prolonged dialog, Finovate International talks with Jac Dunne, Founder and CEO of Dimply, about what her firm is doing to assist monetary providers corporations design, deploy, and optimize embedded journeys for his or her clients.
Dimply gives a no-code resolution that permits non-technical groups to remodel knowledge into hyper-personalized, embedded journeys in apps, web sites, portals, and extra. Dimply’s expertise combines knowledge orchestration, personalization, and seamless integration to assist companies increase engagement, improve belief, and ship buyer worth.
Headquartered in Dublin, Eire, Dimply was based in 2020. The corporate made its Finovate debut at FinovateFall 2024 and subsequently demonstrated its expertise earlier than Finovate audiences at FinovateEurope 2025 and FinovateFall 2025.
What downside does Dimply resolve and who does it resolve it for?
Jac Dunne: Monetary establishments maintain huge quantities of buyer knowledge, however battle to translate this into experiences folks discover useful. The hole is widening. Clients now count on the personalization they expertise with shopper apps, however monetary providers organizations transfer too slowly to satisfy these expectations.
The issue sits on the intersection of technique and execution. Product managers perceive what clients want. Designers understand how experiences ought to work. However each rely on engineering groups to make something actual. Easy adjustments take quarters. Testing concepts means submitting tickets. By the point one thing launches, priorities have shifted.
Dimply provides product practitioners the flexibility to construct and deploy buyer experiences with out engineering dependencies. Product managers, designers, advertising and marketing specialists, and enterprise analysts work instantly on the platform to create journeys throughout internet and cellular. Â We empower them to launch in weeks as an alternative of quarters. Adjustments go dwell in hours, not improvement cycles.
We resolve this for banks, insurers, wealth managers, and pension suppliers. These are organizations the place engineering bottlenecks forestall product groups from appearing on what they find out about clients. The place the backlog of journey enhancements grows quicker than IT sources to deal with them.
Inform us extra about Dimply’s major clients? How do you attain them?
Dunne: Dimply’s major clients are monetary establishments resembling world banks and main insurers, whose key stakeholders are Product Managers and Digital Transformation groups. These clients are primarily positioned within the B2B enterprise house and are searching for to resolve the ache level of gradual, expensive digital CX improvement on account of complicated legacy IT methods and onerous improvement cycles. Dimply allows pace to market by letting groups construct, handle, personalize, and embed experiences instantly into their very own infrastructure, or as a stand-alone resolution, if required.
Dimply reaches these clients by way of a direct, B2B enterprise gross sales mannequin involving direct engagement with C-suite and product management, heavy participation in fintech business occasions, and constructing strategic partnerships with core expertise suppliers, consulting and system integration companies who can work with Dimply as an answer throughout large-scale digital transformation initiatives.
What in your background gave you the boldness to deal with this problem?
Dunne: Monetary providers used to maneuver quicker earlier than the burden of legacy methods, compliance layers, and limitless IT queues—groups turned buyer insights into motion rapidly. Product folks constructed experiences. That pace has been misplaced.
We spent a few years each working inside and collaborating with these organizations: main insurers, pension suppliers, and banks. Our founding crew noticed sensible product managers drafting requirement paperwork moderately than constructing journeys. Designers handed off static mock-ups solely after understanding the whole movement. Enterprise analysts documented processes they need to have managed end-to-end.
This sample repeated in all places. Groups had knowledge displaying the place clients struggled. They knew which experiences would succeed. They understood what wanted to vary. Then they filed tickets, waited for sprints, and competed with different priorities. By the point something launched, the market had already moved.
This hole between figuring out and doing annoyed everybody. Not as a result of folks lacked ability or the concepts had been flawed, however as a result of the instruments pressured the flawed workflow. Technical groups grew to become bottlenecks for non-technical issues. Easy adjustments took quarters, and testing concepts required improvement sources.
Annoyed with this actuality, we determined to construct one thing higher. One thing that may give product practitioners the identical stage of autonomy that software program engineers have. What began as a journey movement builder has advanced into a whole monetary expertise platform (FXP). Groups describe what they need, and the system builds it. AI handles the technical complexity. Product managers personal outcomes with out engineering dependencies.
We don’t consider Dimply as a greater instrument. We consider it as a greater solution to construct monetary service experiences. One the place the folks closest to clients have the ability to behave on what they be taught.
We care deeply in regards to the high quality of our work. Each function ships purpose-built for monetary providers. Our background gave us conviction about the issue. Our expertise gave us readability in regards to the resolution. Monetary providers deserve instruments constructed for contemporary clients’ expectations.
What function do enabling applied sciences like AI play in serving to you empower groups to construct compelling, dynamic experiences for patrons?
Dunne: AI accelerates two components of the expertise creation course of:
First, constructing journeys. Groups describe what they need in pure language, and the AI generates working experiences. A product supervisor explains the movement of a pension calculator in plain English. The AI produces the whole journey with conditional logic, branching paths, and knowledge integrations. No templates, no technical information required. AI has lowered the quantity of technical experience and coaching wanted for Dimply Hub for product homeowners and designers to make use of it. Groups check concepts in minutes as an alternative of weeks.
The AI learns from each journey constructed within the system. Outcomes enhance as extra experiences are created. Complicated workflows with situations, loops, and parallel paths emerge from conversational descriptions. This implies product practitioners spend time refining buyer outcomes moderately than wrestling with instruments.
Second, personalizing experiences. AI nodes can sit inside buyer journeys and adapt what folks see based mostly on their circumstances. These nodes generate details in actual time, which can be utilized to tailor the expertise.
The mix removes friction; enterprise groups construct quicker, and clients obtain experiences tailor-made to their monetary state of affairs and habits. AI handles the technical complexity whereas product practitioners deal with outcomes.
Are you able to discuss extra in regards to the connection between of AI and delivering better personalization?
The demand for personalization and buyer engagement options is paramount, and Dimply is completely positioned to cater to that. Our personalization extends far past primary demographic segmentation or transaction categorization. We’re growing what we name clever, behavioral personalization that takes into consideration not simply what clients have, however how they behave, their monetary objectives, and their emotional reference to cash, all in real-time.
Our AI repeatedly learns and adapts in real-time. If somebody’s monetary state of affairs adjustments, our AI detects these shifts and modifies the expertise to swimsuit their new circumstances.
The result is that we will iterate and ship new insights, content material, and instruments particularly tailor-made to every buyer’s state of affairs and objectives. This transforms generic monetary providers into personally related experiences that encourage real engagement and promote monetary well-being.
At Finovate Fall, Dimply demoed its Dimply Hub. Are you able to inform us a bit of in regards to the resolution and the way the demo was obtained on the convention?
Dunne: What we demoed was our AI Builder in planning mode. This allowed us to explain a journey in conversational language and watch the platform assemble the expertise. The demo confirmed somebody requesting a safety journey for high-net-worth shoppers, with all of the logic and suggestions. The AI generates the whole movement with all of the enterprise logic intact.Â
After the demo, we bought nice engagement with high-ambition banks, notably round how they will change their present workflows utilizing Dimply.
Are you able to inform us a couple of notably fascinating deployment or function of your expertise?
Dunne: AIB Life reaches 3.2 million clients by way of embedded journeys of their AIB retail cellular banking app. The deployment demonstrates how the platform works at scale inside present digital channels.
The actual fact engine sits on high of AIB Life’s core methods, stitching collectively knowledge from coverage administration, CRM, and transaction historical past. This creates real-time buyer profiles with out transferring delicate knowledge. When somebody logs into the app, the platform is aware of their full monetary image and serves a customized expertise accordingly. Journeys adapt dynamically. Life occasions set off recalibration.
Dimply has racked up variety of awards and recognitions from spectacular boards, together with Deloitte’s Know-how Quick 50. What are these organizations seeing and liking about Dimply?
Dunne: They admire how we embody innovation, effectivity, and customer-centricity by way of our award-winning platform, notably our speed-to-market and our potential to assist any sort of monetary knowledge and ship actually personalised buyer experiences, enabling us to assist all areas of monetary providers.
Our platform is confirmed, dwell, and deployed inside main monetary establishments, driving measurable strategic impression in the actual world. Our journey illustrates not simply the place we’ve been however the place we’re headed; in direction of a future the place monetary providers are extra accessible, participating, and safe for everybody, in all places.
Eire is a type of nations that appears to provide a disproportionately excessive quantity of fintech innovation for its small inhabitants. Do you agree? Â
Dunne: Sure, the expertise, technical agility, regulatory maturity, and world attain from its open borders are why, in my view, Eire is taken into account a world chief in producing scalable, enterprise-grade fintech.
Eire’s fintech sector punches above its weight as a result of it combines a big, mature monetary providers sector with a world-class founder, expertise, and expertise ecosystem, along with the distinctive geopolitical benefit of being the EU’s English-speaking gateway. This, coupled with a panorama of sturdy funding companions to assist innovation and development, considerably contributes to the huge fintech innovation right here in Eire.
What accounts for that success?
Dunne: Eire’s strategic geography and EU membership, mixed with an English-speaking, frequent legislation authorized system, simplify worldwide scaling and enterprise operations.
We provide a pretty tax and enterprise setting alongside a mature monetary providers business that helps new fintechs to construct on present infrastructure. Bolstering this basis is the provision of a talented workforce, the co-location of main expertise gamers, and proactive funding and assist for innovation and R&D from state companies
The ecosystem advantages from a robust mixture of skilled startups and multinationals, entry to world capital, and regulatory openness to innovation, fostering a tradition the place companies are constructed to focus globally moderately than simply domestically.
What’s the fintech scene like in Eire proper now?
Dunne: The fintech sector in Eire is at present dynamic, resilient, and increasing, establishing the nation as a key worldwide fintech hub. Over the previous 5 years, the sector has attracted important funding, and regardless of the worldwide slowdown in fintech funding, Eire—in 2024, in keeping with KPMG Eire—skilled over 290% development in funding in comparison with the earlier 12 months, persevering with to exhibit development and resilience.
What can we sit up for seeing from Dimply within the months to come back?
Dunne: Our near-term strategic focus is twofold: Product-Led Development (PLG) and the speedy development of our AI capabilities. We’re implementing the PLG mannequin to make sure our expertise is well accessible and instantly useful, successfully placing the platform into the palms of as many individuals as potential. Importantly, we’re additionally intensifying our funding in AI, utilizing cutting-edge machine studying to deepen personalization, enhance predictive insights, and automate complicated monetary journeys.
This mixed method—maximizing distribution by way of PLG and delivering unparalleled intelligence by way of AI—is central to our mission: to allow demonstrably higher, extra assured monetary selections for each consumer.
Picture by Gregory DALLEAU on Unsplash
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