A member starts inspecting properties, their fixed rate approaches rolloff, a broker runs their numbers - these moments are visible in your data weeks before they become someone else's settlement. Most banks see them in a monthly report. The majors act on them the same day.
That difference - seeing a moment versus acting on it - is the whole gap. Covalent closes it with the machinery the majors built in-house: propensity and churn models scoring every customer in real time, intent signals streamed straight from your warehouse into the decision path, and automated nudges firing across app, contact centre and core the moment a threshold trips.
Then it compounds. Every journey runs as an experiment - offers, timing and channels tested against holdouts, winners promoted automatically - so the models get sharper with every cycle, all inside the approval and audit guardrails your risk team signs off.
Grow your mortgage book at every stage.
New-to-bank refinancers and first-home buyers - rate-watch and refinance-intent signals, broker-channel follow-up and timed pre-approval journeys that respond in hours, not weeks.
Your deposit and transaction base is someone's mortgage pipeline - make sure it is yours. First-home-saver detection, life-event triggers and next-best-conversation prompts in app and contact centre.
Settlement onboarding done properly, offset and insurance attach at the right moments, and early repayment-stress signals routed to the right team - so the loan gets stickier every year it runs.
Fixed-rate rolloff, refinance-intent and discharge-risk triggers routed to retention teams with full context and approved offer options - before the discharge form arrives, not after.
Win the everyday relationship.
Card-linked rewards and behaviour-linked offers that anchor the everyday relationship - merchant-funded, so the economics hold even as interchange compresses. In production with a large Australian bank.
Real-time next-best-action across app, web and contact centre - onboarding nudges, product activation and lifecycle journeys from the same decision spine that runs the mortgage journeys.
No model ever writes directly to core banking. Every action passes through the control plane.
Every journey above runs on the same machinery: queued, idempotent, reversible actions in CRM and core banking, with approvals and an immutable audit trail at every step.
Frontier-model access inside your control environment - Australian data residency, SSO, full audit. See CoWork.
A working session, not a demo. Bring your core, your constraints and your mortgage numbers - we will map the execution path against the journey that moves them.
Book a working session