Habitual.AI by 3LOQ automates the process of building habits, enabling banks to create habitual users across digital and mobile platforms. The AI promotes habitual usage of digital banking and mobile platforms by recommending features that are undiscovered, relevant and immediately useful, to every customer. The first AI solution of its kind, it goes beyond providing the ‘next best action’ to creating dynamic pathways for customers to reach a goal. Habitual AI triggers intent-driven usage at scale and makes financial marketing more relevant by crunching billions of data points in hours using cognitive computing, analytics and machine learning. This enables banks to create customer habits that increase engagement and new product uptake. 3LOQ has currently partnered with the second largest private bank in India to accelerate their customer engagement with AI. They are expanding their partnerships to other banks in India, USA and South East Asia.