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 firms design, deploy, and optimize embedded journeys for his or her clients.
Dimply gives a no-code resolution that allows 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 corporations 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 drawback does Dimply clear up and who does it clear up it for?
Jac Dunne: Monetary establishments maintain huge quantities of buyer knowledge, however wrestle to translate this into experiences individuals discover useful. The hole is widening. Prospects now anticipate the personalization they expertise with client 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 modifications take quarters. Testing concepts means submitting tickets. By the point one thing launches, priorities have shifted.
Dimply offers product practitioners the power to construct and deploy buyer experiences with out engineering dependencies. Product managers, designers, advertising specialists, and enterprise analysts work straight on the platform to create journeys throughout net and cell. Â We empower them to launch in weeks as an alternative of quarters. Modifications go reside in hours, not improvement cycles.
We clear up this for banks, insurers, wealth managers, and pension suppliers. These are organizations the place engineering bottlenecks forestall product groups from performing on what they find out about clients. The place the backlog of journey enhancements grows quicker than IT assets to handle them.
Inform us extra about Dimply’s major clients? How do you attain them?
Dunne: Dimply’s major clients are monetary establishments corresponding to international banks and main insurers, whose key stakeholders are Product Managers and Digital Transformation groups. These clients are primarily positioned within the B2B enterprise area and are in search of to resolve the ache level of sluggish, expensive digital CX improvement as a consequence of complicated legacy IT methods and onerous improvement 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 resolution, if required.
Dimply reaches these clients by a direct, B2B enterprise gross sales mannequin involving direct engagement with C-suite and product management, heavy participation in fintech trade occasions, and constructing strategic partnerships with core expertise 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 methods, compliance layers, and limitless 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 crew noticed good product managers drafting requirement paperwork relatively than constructing journeys. Designers handed off static mock-ups solely after understanding the entire stream. Enterprise analysts documented processes they need to have managed end-to-end.
This sample repeated in all places. Groups had knowledge exhibiting the place clients struggled. They knew which experiences would succeed. They understood what wanted to alter. 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 have been flawed, however as a result of the instruments compelled the flawed workflow. Technical groups grew to become bottlenecks for non-technical issues. Easy modifications took quarters, and testing concepts required improvement assets.
Annoyed 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 stream builder has developed 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 approach to construct monetary service experiences. One the place the individuals closest to clients have the ability to behave on what they study.
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 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 stream of a pension calculator in plain English. The AI produces the entire 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 house owners 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. Advanced workflows with situations, loops, and parallel paths emerge from conversational descriptions. This implies product practitioners spend time refining buyer outcomes relatively than wrestling with instruments.
Second, personalizing experiences. AI nodes can sit inside buyer journeys and adapt what individuals see based mostly on their circumstances. These nodes generate information in actual time, which can be utilized to tailor the expertise.
The mixture removes friction; enterprise groups construct quicker, and clients obtain experiences tailor-made to their monetary scenario and habits. AI handles the technical complexity whereas product practitioners give attention to outcomes.
Are you able to speak extra in regards to the connection between of AI and delivering higher 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 creating what we name clever, behavioral personalization that takes under 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 scenario modifications, our AI detects these shifts and modifies the expertise to go well with 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 scenario 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 somewhat 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 purchasers, with all of the logic and proposals. The AI generates the entire stream with all of the enterprise logic intact.Â
After the demo, we obtained 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 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 methods, stitching collectively knowledge from coverage administration, CRM, and transaction historical past. This creates real-time buyer profiles with out shifting 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 Expertise Quick 50. What are these organizations seeing and liking about Dimply?
Dunne: They respect how we embody innovation, effectivity, and customer-centricity by our award-winning platform, notably our speed-to-market and our capability to help any kind of economic knowledge and ship actually personalised buyer experiences, enabling us to help all areas of economic providers.
Our platform is confirmed, reside, and deployed inside main monetary establishments, driving measurable strategic impression in the true world. Our journey illustrates not simply the place we’ve been however the place we’re headed; in the direction of a future the place monetary providers are extra accessible, partaking, and safe for everybody, in all places.
Eire is a type of international locations 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 international 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 robust funding companions to help 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, widespread legislation authorized system, simplify worldwide scaling and enterprise operations.
We provide a horny tax and enterprise setting alongside a mature monetary providers trade that helps new fintechs to construct on current infrastructure. Bolstering this basis is the provision of a talented workforce, the co-location of main expertise gamers, and proactive funding and help for innovation and R&D from state businesses
The ecosystem advantages from a powerful mixture of skilled startups and multinationals, entry to international capital, and regulatory openness to innovation, fostering a tradition the place corporations are constructed to focus globally relatively than simply domestically.
What’s the fintech scene like in Eire proper now?
Dunne: The fintech sector in Eire is at the moment 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 response to KPMG Eire—skilled over 290% progress in funding in comparison with the earlier yr, persevering with to show progress and resilience.
What can we stay up for seeing from Dimply within the months to come back?
Dunne: Our near-term strategic focus is twofold: Product-Led Progress (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 fingers 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 strategy—maximizing distribution by PLG and delivering unparalleled intelligence by AI—is central to our mission: to allow demonstrably higher, extra assured monetary choices for each consumer.
Photograph by Gregory DALLEAU on Unsplash
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