Fintech & money
Recover fintech retention without loosening risk controls.
Swivel connects payments, bank data, identity, fraud, warehouse, lifecycle, and product signals so growth teams can act on churn risk with compliance-aware guardrails.
The leak
Where fintech accounts quietly stop being customers.
The unfunded account
A customer passes signup but never links a bank, funds an account, sets up direct deposit, or completes the first valuable money movement.
The risk-state mismatch
A dispute, fraud warning, AML alert, or KYC review changes the customer state, but lifecycle tools keep sending generic promos.
The dormant balance
Product usage decays while warehouse, CRM, and risk systems disagree about whether the customer is safe, valuable, or reachable.
The plays
A specialist for every way an account slips away.
Each engine works a different account moment: bank linking, first funding, risk-aware recovery, dormant balances, and compliance suppression.
Onboarding Autopilot
Get new accounts to funded
Recovers users stuck between bank linking, identity checks, and the first money movement that makes the product stick.
Onboarding Autopilot
Carry momentum past the novelty cliff
Uses account and transaction signals to trigger direct-deposit, card-activation, transfer, or bill-pay nudges.
Payment Recovery Engine
Run risk-aware dunning
Combines payment recovery with fraud and AML state so the save respects compliance context.
Payment Recovery Engine
Prioritize dispute recovery
Connects payment events, support tickets, and product behavior to find high-value customers who need a human path.
Churn Risk Radar
Find dormant value before churn
Joins warehouse, product, and lifecycle data to find profitable accounts going quiet before they formally churn.
Churn Risk Radar
Explain every suppression
Shows why a user did or did not receive a campaign based on identity, sanctions, AML, and fraud signals.
Reads your stack
Connects to the systems your accounts already live in.
The tools the agents read from to do the work, not a list of customers.
Stripe
Adyen
Sift
Alloy
Socure
Unit21
ComplyAdvantage
Twilio
Snowflake
Google BigQuery
Databricks
Zendesk
Intercom
Put our agent teams to work on your customer retention.
Have a funding activation gap, payment recovery issue, or compliance-aware lifecycle play your team keeps meaning to run? Let our agent teams work the stuck account moments across risk, product, and lifecycle.