Focus
Holistic customer view

A 360° view of every customer in one dashboard

Focus brings every account, product, transaction and conversation together in one dashboard, highlighting key insights and next best actions, so every advisor, agent and analyst knows the customer’s real financial life before the conversation starts.

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All customer data in one place
Enriched financial data at the core
AI highlights & next best actions
Views tailored to each job role
Granular data access

Trusted by over 400 institutions globally

The problem

Your digital channels know your customers better than your employees do

Good banking apps show clean transactions, insights and timely nudges. But when the same customer calls the contact center or sits down in a branch, your employees switch between core banking systems and multiple CRMs to piece together an understanding of them. Preparing can take hours, calls run long and the high-impact opportunities in your customer’s finances go unnoticed.

53%

Of households visit their current primary bank or credit union branch

870

New branches planned by 2030 at three of the largest US banks

Focus gives your employees the full picture before every conversation.
360° customer view

Everything your bank knows about a customer on one screen

Focus surfaces what your bank already knows about your customers. Accounts, products and transactions sit at the center, enriched by Bud, with CRM records, cases, bureau data and conversation history alongside. No switching between systems with hours of prep work.

  • Financial life: Balances, income, bills, products and every transaction, cleaned, categorized and easy to read
  • Products held elsewhere: Accounts and loans with other institutions spotted in the customer’s transactions and open banking data
  • The whole relationship: CRM records, contact preferences, past cases and correspondence in one customer timeline

Financial picture

  • Accounts and balances in real time
  • Products with you and elsewhere
  • Income, bills and regular payments
  • Fees and charges
  • Predicted future balance
  • Savings goals, budgets and net worth

Customer understanding

  • AI summary and highlights
  • Characteristics and lifestyle
  • Change detection and life events
  • Account usage patterns
  • Segments and peer comparison

Signals and risk

  • Risk indicators
  • Unusual activity and anomalies
  • Activity benchmarks
  • Loyalty score and attrition risk
  • Payees and transfer patterns
  • Third-party data, including credit files

Relationship and service

  • Customer timeline
  • CRM records and contact preferences
  • Past touchpoints and conversations
  • The customer’s own app view

From messy data to next best actions

Focus doesn’t just show you the data. It reads it for you, highlighting what matters, putting it in context and suggesting what to do next, with clear reasoning behind every recommendation.

1
Highlights
2
Deep insights
3
Next best action

See what matters in seconds

AI agents sift through your customer’s data to spot the things worth knowing now, such as a product opportunity, idle cash, a suspicious payment or a change in income.

  • A plain-language summary of the customer’s financial life, ready before the conversation
  • A predicted profile: key life events, changes in behavior and upcoming shifts in liquidity
  • Every highlight links to the transactions behind it, transparent and explainable

Hours of preparation, done in minutes

Detailed customer information at your fingertips

Insights that allow you to find the most important conversation and effortlessly uncover every detail about your customer.

  • The segments each customer belongs to, in your bank’s own language
  • Deep-dive into each insight to see the underlying data and transactions
  • Flags for unusual behavior, trends and activities, with percentiles and a cross-check against the peer group

Always know what to do next

Focus combines the customer’s finances with your products, priorities and live campaigns to recommend the next best product or action, with talking points to open the conversation.

  • Next best products and actions ranked for each customer, from a new account to avoiding a pitfall
  • Talking points tailored to your objectives and product set
  • Recommendations are shared across teams, so the branch, the contact center and the app never contradict each other

Not another CRM record

A CRM holds what your employees type in: contact details, notes and a log of calls. Focus starts with what your bank already knows: every account, balance and transaction, enriched and analyzed, and brings your CRM data in alongside it.

Core, cards & lending
CRM, bureau & conversations
→
Enrich
→
Customer models & Drive
→
Focus

Financial life at the core

Built on Bud’s enrichment, trained on more than 50 billion transactions, Focus understands income, spending, bills and products, so every conversation is grounded in real needs and real opportunities.

Any data, structured or not

Bring in CRM notes, credit bureau extracts, conversation logs and open banking data. Bud’s models and analytics turn all of it into insight you can use.

Insights nobody had time to find

AI spots the opportunities and risks that aren’t obvious from a statement, giving every employee the insight of your most experienced banker, and every institution the customer intelligence of the largest banks.

One view across your bank

Focus shares its data, insights and recommendations with Engage and Drive. Everyone works from the same data and a shared understanding of what to do next.

What changes for your bank
5x

Less time preparing for customer conversations

Cross-sell

Next best products based on real needs, raised at the right moment in the conversation.

Retention

Loyalty scores and early signs of attrition, visible to the people who can act on them.

Cost to serve

Faster answers and dispute resolution, with the customer’s own view on screen.

Risk

Unusual behavior and changing risk profiles flagged early, with the evidence attached.

“Institutions are now investing heavily in beautiful, personalized digital channels, but customers have found that when they speak to the bank on the phone or go to a branch, that richness often disappears. Focus changes that.”
Edward Maslaveckas, CEO, Bud
Read the launch announcement

Fits the data and systems you already have

Connect any source

Core banking, cards and lending, open banking, CRM, credit bureau extracts and conversation logs, structured or unstructured, in real time or in batches.

Views for each role

Relationship bankers, service teams and analysts each get a view built for their job, from the same underlying data.

Alongside your CRM

Focus brings in a read-only view of your CRM records and adds the financial understanding your CRM doesn’t have. No rip and replace.

SOC2 Type 2 certified
ISO27001 certified
99.99% uptime SLA
Explainable insights
Same data as your digital channels

Part of the Bud platform

Enrich

The transaction enrichment behind every number in Focus.

Drive

Next best actions, segments and peer comparisons for every customer.

Engage

Give customers the same data in your app that your employees see in Focus.

Frequently asked questions

What is Bud Focus?

Focus is Bud’s 360° customer view for banks, credit unions and fintechs. It brings every account, product, transaction and conversation about a customer into one dashboard, enriches it with Bud’s AI and turns it into highlights, summaries and next best actions for relationship bankers, service teams and analysts.

Is Focus a CRM? Does it replace ours?

No. A CRM stores the information your employees enter. Focus surfaces what your bank already knows from its financial data and brings your CRM records in alongside it, so it works with your CRM rather than replacing it.

Who is Focus for?

Anyone who serves or assesses customers one at a time: personal and relationship bankers, contact center agents and tellers, and analysts and underwriters working on offers, credit, risk or fraud. Each role gets a view tailored to its job.

What data does Focus use?

Your core banking, card and lending data, enriched by Bud, plus any other source you connect: open banking data, CRM records, conversation logs and credit bureau extracts (used only for permitted purposes, such as credit and risk decisions). Focus works with both structured and unstructured data.

How does Focus use AI?

Bud’s models enrich every transaction and build a profile of each customer. Generative AI then writes summaries, highlights and conversation starters, and recommends next best products and actions. Every insight links to the data behind it, so it’s transparent and explainable.

What is the Focus AI Agent?

The AI Agent is the generative AI built into Focus. It writes the summaries, highlights and conversation starters on each customer’s dashboard, and answers questions about the customer in plain language, grounded in their data.

How does Focus work with Engage and Drive?

Focus shares the same data as Engage, so your employees can see exactly what a customer sees in their banking app. With Drive, Focus shows the segments a customer belongs to, compares them with their peers and brings in next best actions and campaigns, so every team works from the same recommendations.

Is customer data secure?

Yes. Bud is SOC2 Type 2 and ISO27001 certified, and Focus shows each role only the data it needs for the job.

Give your employees the full picture

See Focus running on your customers’ data.

Book a demoContact sales

Bud is the trading name of Bud Financial Limited, a company registered in England and Wales (No. 9651629). Bud® is authorised and regulated by the Financial Conduct Authority under registration number 793327.

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