Growth & Retention

Grow balances. Keep loyal customers. Defend today’s book.

Predictive and agentic AI that accelerates Net New Money, multiplies cross-sell, and reduces churn

iTuring AI growth and retention identifies the right segment for every product, targets messaging and price at a market of one, and provides evidence-backed forecasts to win new capital, defend share, and keep policyholders active.

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18

banks and insurers live

140

Use Cases

Measurable gains in deposits, balances, lifetime value

$45M+

new capital delivered in 90 days

1.9x

reduction in collection operations costs

29%

reduction in churn and lapse

Growth fails when targets are wrong, churn is invisible until too late.

Broad campaigns waste spend on fence-sitters and miss high potential customers. Retention programs are reactive, not predictive. iTuring uses predictive intelligence and autonomous outreach to produce documented growth and measurable retention gains

From scattered data to proven results in three steps

Pinpoint

Data Accelerator identifies high-value segments using 25,000 pre-built features - deposits, cross-sell potential, and churn risk - in real time, not retrospectively.

Predict

AutoML trains champion models using competing algorithms and hyperparameter optimization to forecast deposit growth, product uptake, and retention. Deploy with A/B testing and complete explainability.

Personalize

AI generates customer-specific offers and timing. Platform captures every outcome - uplift, retention, loss prevention - with audit-ready documentation for examiners.

Documented proof of growth and risk controls

Immutable records of every model, campaign, and result

Full lineage for data, features, and models

Regulatory evidence packs for NNM, upsell, and retention campaigns

How leading institutions grow faster and lose less

NNM Propensity

Precision targeting for campaigns generates $45M+ new deposits in 90 days with clear OOT validation.

Cross-Sell Uplift

Next-best product and pricing lift sales up to1.9x compared to standard campaigns.

Churn Defense

Lapse reduction programs for insurance and banking with agentic outreach and 29% fewer losses.

Growth intelligence that fits anywhere

Integrates with core banking,  product, and CRM platforms for banks, insurers, fintech; unlocks cross-sell and upsell for digital, branch, and agent.

Plug into campaign and CRM systems.

Low-latency scoring APIs for channels and sales.

Full uplift and retention dashboards for business and committees.

Built for marketing, product, and loyalty teams

A professional woman wearing glasses and a light blue shirt seated at a desk, carefully reviewing a document in a busy office environment
Deposit/Balance Marketing

target, lift, and log new funds

A smiling woman with curly hair and red-framed glasses holding a document while seated at a desk with a laptop, in a bright, organized office with shelving in the background
CX/Product

double conversion and remove siloes via AI

A man in a blue jacket seated in a casual setting, focused on reading the contents of a brown folder or file
Retention/Churn

predict and prevent losses before they occur

A smiling professional woman with braided hair wearing a blazer, engaged in a conversation at a desk with a desk phone visible in the foreground, in a busy office setting
Risk/Gov

full audit evidence on all growth and retention motions

Grow with AI that proves its impact

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Frequently Asked Questions

How does iTuring's growth AI comply with POPIA's requirements for direct marketing and personalisation?
POPIA Section 69 restricts direct marketing to persons who have provided consent or are existing customers with opt-out rights. iTuring’s personalisation engine maintains per-customer consent records, enforces suppression lists, and logs every outreach with its lawful basis, satisfying POPIA and the NCR’s direct marketing requirements under the NCA.
Yes. iTuring’s Net New Money (NNM) models identify customers with genuine new capital to place, not balance transfers, using 25,000 behavioural and financial features. SA banks have used NNM models to target the right customers at the right rate, producing measurable new deposit growth within 90 days.
POPIA requires that personal information only be processed for the specific purpose for which it was collected. iTuring’s feature lineage tracks which data sources are used in each personalisation model, enabling DPOs to demonstrate that all processing is within the scope of the original consent or lawful basis.
Yes. King IV principles require board accountability for ethical and responsible AI use. iTuring’s governance layer provides maker-checker approvals, model inventory, and portfolio-level risk dashboards that give senior leadership and board committees visibility over all growth and retention models in production.
Yes. iTuring’s upsell models are constrained by affordability guardrails — the platform does not recommend credit product upsells to customers who would not pass an NCA Section 81 affordability assessment. This prevents reckless credit extension and supports TCF outcomes for the FSCA.
Yes. Digital usage and product mix indicators highlight fintech‑switch risk.
Cross‑sell offers are generated within suitability constraints and logged with rationales.
Yes. Consent status is checked before each communication and stored for audit.
Control groups and campaign analytics show churn saved and NNM generated by interventions.
Yes. Segment‑specific models and rules ensure appropriate treatment across all tiers.
Martin L. Litabe
Sales Support Manager
Martin joined iTuring in July 2024, first as Business Development Support before stepping into his current role as Sales Support Manager.

He holds a Postgraduate Diploma in Business Administration with a Digital Transformation Lens from Johannesburg Business School, as well as a Finance Literacy certificate from the University of Johannesburg.

At iTuring, Martin works across the operational and commercial side of enterprise sales in Africa, ensuring that deals move from first conversation to signed contract with the same rigour the platform brings to AI deployment.
Ryan Blumenow
Business Development
Ryan is a senior analytics and business development professional with a background spanning international trade, infrastructure, and development economics.

He has held roles as Head of Analytics for Africa at AB InBev, Global Chief Data and Analytics Officer at Globalstratos Group, and Managing Director of Optimize Live, a specialised IT and strategy consulting firm.

He is pursuing a PhD in Economics and Gamification from the University of Cape Town. At iTuring, Ryan applies his research-led, quantitative approach to building the commercial case for AI adoption across African financial institutions.
Marc Beukes
Sales Director, Africa
Marc joined iTuring in April 2026 to lead sales across the African market, bringing nearly a decade of enterprise SaaS experience across supply chain governance, legal intelligence, and board governance software.

Before iTuring, he spent close to four years as Regional Sales Director EMEA at BoardEffect, a Diligent brand, selling governance and compliance tools to regulated institutions across multiple sectors.

At iTuring, Marc focuses on helping banks, insurers, and fintechs move from AI pilots to production, building relationships grounded in measurable business outcomes and regulatory readiness.
Tarika Bhutani

Senior Director – Sales and Marketing Operations

Tarika is a market development leader driving global growth through strategic partnerships and go-to-market initiatives.

 

She focuses on expanding enterprise adoption of AI solutions across international markets, working closely with partners and clients to enable data-driven transformation.

 

Her work centres on scaling enterprise AI through partner-led growth and direct customer engagement, supporting organisations in implementing impactful, data-driven solutions worldwide.

Vipin Johnson

Vice President – Customer Acquisition

Description Goes Here

Rajnish Ranjan

Vice President, Head – Data Science

Rajnish brings over two decades of experience leading data-driven transformation across Fortune 500 organisations.

 

His career spans senior roles at HSBC, Zafin, Cisco, TCS, Nielsen, iQuanti, Symphony, Supervalu, and Harman, delivering measurable cost savings, operational efficiencies, and revenue growth.

 

With experience across banking, retail, telecom, pharma, CPG, and digital marketing, he leads cross-functional teams at iTuring.ai to deliver advanced analytics, machine learning, and AI solutions.

Aishwarya Hegde

VP Operations & Content Head

Aishwarya has been instrumental in building iTuring.ai from inception and continues to manage core operations across the organisation. Her responsibilities span project operations, financial planning, and evaluating future expansion opportunities.

 

Prior to iTuring.ai, she worked with Market Probe and WNS Research & Analytics, delivering high-impact decision support and actionable analytics for IBM with a record of zero errors.

 

Aishwarya holds a postgraduate degree in Data Science and Machine Learning from Manipal University.

Bryan McLachlan

Managing Director – Africa

Bryan has 30 years of experience driving innovation and growth across technology, banking, insurance, and retail.

 

Prior to iTuring.ai, he held executive leadership roles at Instant Life, AIG, Nedbank, FNB, and TransUnion. He focuses on enabling enterprises to adopt AI and machine learning within trusted, governed, and risk-managed frameworks.

 

Bryan holds a Master’s degree in Commerce from the University of Johannesburg.

Mohammed Nawas M P

Co-Founder, VP Product Development

Nawas brings 20 years of experience in designing and delivering cloud-native software and data systems. He has held senior technology roles at HCL, Radisys, Kyocera, and Mindtree, leading large development teams and complex product builds.

 

At iTuring.ai, he oversees product roadmap and customer delivery, applying cloud-first thinking, deep systems expertise, and a focus on building robust, scalable AI solutions that challenge industry norms.

 

He is a graduate of Rajiv Gandhi Institute of Technology.

Amit Kumar
Co-Founder, VP Product Engineering

Amit is a technology architect with over 18 years of experience designing data-intensive systems and enterprise analytics platforms. He has built highly scalable products across open architecture models and virtualised infrastructure, aligning deep technical detail with business requirements for AI and ML solutions.

 

Prior to iTuring.ai, he held senior technical roles at Radisys and Aricent. Amit leads platform architecture with a focus on governance, lineage, and traceability.

 

He holds a First Class with Distinction BTech in Computer Science from Cochin University.

Valsan Ponnachath

President, COO and Co-founder

Valsan brings over two decades of global leadership across sales, professional services, and product operations in technology and SaaS enterprises.

 

Prior to iTuring.ai, he held senior executive roles at Fiserv, Cisco, and Sun Microsystems, most recently serving as Senior Vice President at Fiserv overseeing global system integration and international professional services. Based in California, he leads iTuring.ai’s growth in the Americas.

 

Valsan holds an MBA from the University of Nebraska and a BE in Computer Science from Bangalore University.

Suman Singh

Founder & CEO

Before founding iTuring.ai in 2018, Suman led analytics at Zafin and Fiserv as CAO and General Manager Analytics, delivering enterprise-scale solutions still running in production.

 

His work includes fraud detection systems saving clients over $19M, patented Customer Relationship Score methodology, and price optimisation recognised by the INFORMS Edelman Award (2014). He has authored multiple research papers and pioneered the data-to-value approach.

 

Suman holds a Master’s in Statistics from CCS HAU and a Bachelor’s in Agricultural Engineering from BHU.