You see 20% of your client’s wealth. Someone else sees the rest.
Eterny shows banks and insurers what their clients own outside their own book – the policies, property and accounts driving the next cross-sell, the next claim, and the next churn event.
- 70–90%
- of heirs leave the parent's institution
- 88%
- of affluent clients hold assets elsewhere
- $840k
- annual value created per mid-size institution
Read-only API or on-prem · Client data never leaves your perimeter · GDPR-aligned
The queue, as the relationship manager receives it
Retention at risk
Rate 5.6% → market 4.5%$345k mortgage at risk of refinancing
Customer is materially above market and may refinance elsewhere.
Action: Proactive repricing offer within 7 days.
This pattern appeared in 40% of mortgage holders in one bank pilot.
Protection gap
No life or disability cover found$260k mortgage with no protection detected
No cover found against the outstanding mortgage. Household and loan exposure identified.
Action: Trigger a protection review with the customer.
82% of assessed mortgage customers in one bank pilot had no detected cover.
Money in motion
Maturity in 19 days$92k obligation due in 19 days
A significant financial obligation is approaching maturity, creating an immediate retention, reinvestment or advisory moment.
Action: Relationship manager outreach before maturity.
72% of customers with detected obligations had one due within 90 days.
Findings arrive in Salesforce or Dynamics. Aggregated, permissioned, no raw documents.
Turn your customer data into action.
Eterny combines your existing customer data with trusted external sources to build the financial context your systems are missing. The intelligence engine continuously detects risks, retention signals and new revenue opportunities across each customer's broader financial life, and turns them into prioritised actions.
- Who to contact
- Why now
- What to do next
- What value is at stake
01
Protect revenue before it leaves
Detect signals that put deposits, AUM and customer relationships at risk, while there is still time to act.
02
Grow wallet share
Discover lending, wealth and insurance needs that aren't visible from transactions alone.
03
Make advisors proactive
Turn a book of hundreds of customers into the few conversations that matter today, with the reason and the next action already identified.
04
Improve customer outcomes
Identify protection gaps, expiring obligations and financial risks before they become costly problems.
Your data tells you what happened. Eterny helps you discover what needs to happen next.
We don't sell you more data. We combine what you already know with what you're missing, and turn it into measurable action.
What we uncovered in a single bank pilot.
One deployment. Real customer data. Multiple revenue, retention and customer-risk opportunities hiding in the existing book.
- 40%
- of mortgage holders paying above-market ratesImmediate refinancing & retention opportunity
- $27.6M
- in addressable financial exposure uncoveredFrom just two finding types
- 82%
- of assessed mortgage customers without life or disability coverA major protection gap hiding in the existing book
- 72%
- of detected obligations due within 90 daysTime-sensitive moments to act before the opportunity is lost
Four finding types. ~$936k in annual value.
Turn hidden financial signals into action.
Eterny continuously detects revenue at risk, financial gaps and time-sensitive opportunities across your customer base, and delivers them directly into the CRM or back-office workflow. Your teams see who needs attention, why now, what is at stake and what to do next.
Retention at risk
Mortgage likely to refinance elsewhere
The customer's mortgage is materially above current market rates, creating an immediate refinancing and retention risk.
Protection gap
Mortgage exposure without protection
An outstanding mortgage is detected with no corresponding life or disability protection – risk for the household, and an actionable protection gap.
Money in motion
Financial obligation approaching maturity
A significant obligation is approaching its decision point, creating a time-sensitive retention, reinvestment or advisory opportunity.
Deploy in weeks, not months.
Four modular integration paths, chosen to fit your architecture and risk appetite.
Household vault
Encrypted, consented, customer-controlled.
Eterny engine
Evaluates permitted fields only, inside your perimeter.
Your CRM
Structured findings, with the next action attached.
Personal data stays encrypted and user-controlled throughout. Insights are delivered at the agreed aggregation and permissions level – raw customer documents are never exposed.
Read-only API
Fastest path to a pilot, with scoped, revocable credentials.
On-prem deployment
Runs inside the institution’s own environment and controls.
Findings-only webhook
Signals delivered without raw customer data leaving the vault.
SDK / white-label
Integrate the experience into your existing digital estate.
Designed for review by your risk team.
Every evaluation is scoped by the customer's consent, isolated per tenant and written to a trail your reviewers can pull.
Audit trail · one finding
- Consent grantedhousehold · scope: mortgage, protection09:14:02
- Fields evaluated6 of 42 permitted fields · engine09:14:07
- Raw documents accessednone09:14:07
- Finding deliveredretention_at_risk → CRM09:15:41
Logged per tenant, with the customer's consent scope attached to every evaluation.
End-to-end encryption
Customer documents are encrypted client-side; keys stay with the household.
Tenant separation
Institution-level isolation of configuration, signals and audit trails.
Data residency options
Deployment regions selected to match your regulatory footprint.
GDPR alignment & security by design
Consent, purpose limitation and minimisation built into the data model.
Certifications
Eterny runs on ISO 27001-certified infrastructure, provided by Wultra. Eterny’s own ISO 27001 certification is in progress – no SOC 2 attestation is claimed.
Different institutions, one signal layer.
Retention and cross-sell signals at the right moment
Understand held-away assets at household level and equip relationship managers with the context to act before a client consolidates elsewhere.
What is one retained affluent household worth to you?
We will walk through the signal model, the consent architecture and a realistic pilot scope for your environment.