New AI acquisition, cross-sell, and relationship growth agents help banks and credit unions drive deposits, loans, and wallet share with full trust, control, and approval

Cotribute, the category-defining platform for digital account origination and decision intelligence, today launched its Agentic AI Growth Agents, a new suite of AI-powered capabilities built specifically for financial institutions to increase customer acquisition, grow deposits and loans for consumers and businesses, and expand product penetration, all while reducing team burden.

These agents, AI Acquisition Agent, AI Cross-Sell Agent, and AI Relationship Growth Agent, operate as intelligent agents that continuously provide insight, adapt, and act across marketing, onboarding, and back office workflows.

“Most digital origination tools for financial institutions are static, disconnected, and built for yesterday’s customer and member expectations,” said Philip Paul, CEO of Cotribute. “Financial institutions are facing rising member and customer acquisition costs, stagnant product relationships, and growing pressure from fintechs. Our Agentic AI Growth Agents are designed to reverse that trend enabling smarter acquisition, higher operational efficiency, deeper product adoption, and faster product innovation, with the transparency and compliance oversight financial institutions require.”

What’s New

• AI Acquisition Agent – reduces acquisition costs by providing market intelligence, product positioning, and persona-based segmentation for sharper campaigns. Optimizes onboarding journeys, minimizing drop-off, and increases operational efficiency by providing predictable, auditable decision intelligence.
• AI Cross-Sell Agent – increases wallet share by identifying and recommending the most relevant financial product or action for each customer or member based on lifecycle, usage, goals, and behavioral patterns.
• AI Relationship Growth Agent – drives ongoing engagement with intelligent, hyper-personalized outreach triggered by key behavioral signals, milestones, and needs, keeping customers and members active and connected to more of the institution’s offerings.

Why It Matters: Solving Core Growth Challenges

• Rising Acquisition Costs – traditional digital marketing and onboarding strategies are costly and inefficient. The AI Acquisition Agent reduces acquisition spend and increases ROI through intelligent personalization, conversion optimization and automated decision intelligence.
• Single-Product Relationships & Attrition Risk – customers holding just one product are more likely to leave. Cotribute’s AI Cross-Sell and Relationship Growth Agents deepen engagement and create durable, multi-product relationships that improve profitability.
• Lack of Product Innovation & Relevance – static product menus are no longer effective. The platform surfaces evolving member needs and delivers personalized recommendations accelerating innovation without requiring constant human effort.

AI You Can Trust and Control

Built from the ground up for regulated environments, Cotribute’s Agentic AI Growth Agents and embedded Decision Intelligence tools are auditable, explainable, and fully configurable to support institutional compliance, branding, and oversight needs. Institutions can:

• Review and approve every AI-generated recommendation or message;
• Operate within a fully traceable and governed decision environment; and
• Align AI outputs with compliance, marketing, and risk management standards.

Built for Enterprise Financial Institutions

Cotribute’s platform is cloud-native, SOC2 Type 2 certified, and built on a modern, microservices-based architecture. It integrates seamlessly with:

• Core Banking Platforms (Fiserv, Jack Henry, Corelation, FIS, etc.);
• Digital Banking Platforms (OLB, mobile); and
• LOS, CRMs, fraud and risk systems, and third-party analytics providers.

About Cotribute

Cotribute is the AI-powered digital account origination and decision intelligence platform designed to help financial institutions win in today’s competitive landscape. With embedded support for 90+ financial products, native integration with core and digital systems, and configurable AI Growth Agents, Cotribute drives onboarding success, deposit and loan growth, and product innovation. Cotribute serves clients across the U.S., from community credit unions to Fortune 500 financial institutions.

Learn more at www.cotribute.com or follow us on LinkedIn.

View source version on businesswire.com: https://www.businesswire.com/news/home/20250602072436/en/

Cotribute launches new AI Acquisition Agent, AI Cross-Sell Agent and AI Relationship Growth Agents for banks and credit unions.