How can banks and different monetary establishments supply their prospects 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 prospects.
Dimply gives a no-code answer that permits non-technical groups to remodel information into hyper-personalized, embedded journeys in apps, web sites, portals, and extra. Dimply’s know-how combines information orchestration, personalization, and seamless integration to assist corporations enhance 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 know-how 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 information, however wrestle to translate this into experiences individuals discover useful. The hole is widening. Prospects now anticipate 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 prospects want. Designers understand how experiences ought to work. However each rely upon 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 offers 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 straight on the platform to create journeys throughout internet and cell. Â We empower them to launch in weeks as an alternative of quarters. Adjustments go stay in hours, not growth cycles.
We resolve this for banks, insurers, wealth managers, and pension suppliers. These are organizations the place engineering bottlenecks stop product groups from appearing on what they study prospects. The place the backlog of journey enhancements grows quicker than IT sources to deal with them.
Inform us extra about Dimply’s major prospects? How do you attain them?
Dunne: Dimply’s major prospects are monetary establishments similar to world banks and main insurers, whose key stakeholders are Product Managers and Digital Transformation groups. These prospects are primarily situated within the B2B enterprise house and are in search of to unravel the ache level of gradual, pricey digital CX growth as a consequence of complicated legacy IT programs and onerous growth cycles. Dimply permits velocity to market by letting groups construct, handle, personalize, and embed experiences straight into their very own infrastructure, or as a stand-alone answer, if required.
Dimply reaches these prospects by 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 know-how suppliers, consulting and system integration corporations who can work with Dimply as an answer throughout large-scale digital transformation initiatives.
What in your background gave you the arrogance to deal with this problem?
Dunne: Monetary providers used to maneuver quicker earlier than the load of legacy programs, compliance layers, and countless IT queues—groups turned buyer insights into motion shortly. Product individuals constructed experiences. That velocity has been misplaced.
We spent a few years each working inside and collaborating with these organizations: main insurers, pension suppliers, and banks. Our founding staff noticed good product managers drafting requirement paperwork fairly than constructing journeys. Designers handed off static mock-ups solely after understanding the whole circulate. Enterprise analysts documented processes they need to have managed end-to-end.
This sample repeated in every single place. Groups had information displaying the place prospects 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 pissed off everybody. Not as a result of individuals lacked talent or the concepts had been mistaken, however as a result of the instruments pressured the mistaken workflow. Technical groups turned bottlenecks for non-technical issues. Easy adjustments took quarters, and testing concepts required growth sources.
Pissed off with this actuality, we determined to construct one thing higher. One thing that might give product practitioners the identical degree of autonomy that software program engineers have. What began as a journey circulate 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 option to construct monetary service experiences. One the place the individuals closest to prospects have the ability to behave on what they study.
We care deeply concerning 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 concerning the answer. Monetary providers deserve instruments constructed for contemporary prospects’ expectations.
What position do enabling applied sciences like AI play in serving to you empower groups to construct compelling, dynamic experiences for patrons?
Dunne: AI accelerates two elements 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 circulate of a pension calculator in plain English. The AI produces the whole journey with conditional logic, branching paths, and information integrations. No templates, no technical information required. AI has decreased the quantity of technical experience and coaching wanted for Dimply Hub for product homeowners and designers to make use of it. Groups take a look at 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 circumstances, loops, and parallel paths emerge from conversational descriptions. This implies product practitioners spend time refining buyer outcomes fairly than wrestling with instruments.
Second, personalizing experiences. AI nodes can sit inside buyer journeys and adapt what individuals see primarily based on their circumstances. These nodes generate info in actual time, which can be utilized to tailor the expertise.
The mixture removes friction; enterprise groups construct quicker, and prospects obtain experiences tailor-made to their monetary scenario and conduct. AI handles the technical complexity whereas product practitioners give attention to outcomes.
Are you able to discuss extra concerning the connection between of AI and delivering larger 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 under consideration not simply what prospects have, however how they behave, their monetary targets, and their emotional reference to cash, all in real-time.
Our AI constantly learns and adapts in real-time. If somebody’s monetary scenario adjustments, our AI detects these shifts and modifies the expertise to swimsuit their new circumstances.
The end result is that we will iterate and ship new insights, content material, and instruments particularly tailor-made to every buyer’s scenario and targets. 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 somewhat concerning the answer 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 circulate with all of the enterprise logic intact.Â
After the demo, we received nice engagement with high-ambition banks, notably round how they’ll change their present workflows utilizing Dimply.
Are you able to inform us a few notably fascinating deployment or function of your know-how?
Dunne: AIB Life reaches 3.2 million prospects by embedded journeys of their AIB retail cell banking app. The deployment demonstrates how the platform works at scale inside current digital channels.
The actual fact engine sits on high of AIB Life’s core programs, stitching collectively information from coverage administration, CRM, and transaction historical past. This creates real-time buyer profiles with out shifting delicate information. 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 Expertise Quick 50. What are these organizations seeing and liking about Dimply?
Dunne: They admire how we embody innovation, effectivity, and customer-centricity by our award-winning platform, notably our speed-to-market and our means to assist any sort of economic information and ship actually personalised buyer experiences, enabling us to assist all areas of economic providers.
Our platform is confirmed, stay, and deployed inside main monetary establishments, driving measurable strategic affect 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, partaking, and safe for everybody, in every single place.
Eire is a type of international locations that appears to supply 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, know-how, 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 progress, 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 regulation 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 current infrastructure. Bolstering this basis is the provision of a talented workforce, the co-location of main know-how gamers, and proactive funding and assist for innovation and R&D from state businesses
The ecosystem advantages from a powerful mixture of skilled startups and multinationals, entry to world capital, and regulatory openness to innovation, fostering a tradition the place corporations are constructed to focus globally fairly 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 line with KPMG Eire—skilled over 290% progress in funding in comparison with the earlier yr, persevering with to reveal progress 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 fast development of our AI capabilities. We’re implementing the PLG mannequin to make sure our know-how is definitely accessible and instantly helpful, successfully placing the platform into the palms of as many individuals as attainable. 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 strategy—maximizing distribution by PLG and delivering unparalleled intelligence by 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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