Nymbus, a full-stack banking platform for U.S. banks and credit unions, has announced an agreement with Bud Financial, a leading provider of transaction data enrichment and AI-driven insights for the financial services industry. Nymbus will integrate Bud’s market-leading suite of personal financial management (PFM) widgets into the Nymbus Banking Platform, enhancing the digital banking experience and enabling smarter, more contextual customer engagement. The integration will provide customers with a clear and intuitive view of their finances, deliver proactive content and financial tools through Bud’s widgets, and tailor experiences across digital channels with categorized, contextual data. Nymbus Engage, a new customer engagement solution, will help community banks and credit unions activate data in smarter ways and drive more meaningful, long-term relationships. Bud has been a pioneer in applying AI to financial data since 2015, helping institutions turn raw transaction streams into structured, actionable insights. Engage – Personalized PFM: Banking clients embed Bud’s enriched data into their apps via widgets to deliver real-time, hyper-personalized financial experiences. Use cases include “left-to-spend” balances that account for upcoming bills, visualizations of spending habits such as weekend spikes or predicted future spending, and personalized nudges or actions like suggesting savings transfers or setting budgets around overspending categories. These insights are powered by Bud APIs combined with large language models (LLMs) to provide contextual, automated intelligence tailored to each customer journey. Drive – Portfolio Analytics & Marketing: Drive aggregates individual-level insights across the entire customer base, enabling banks to perform behavioral segmentation, detect deposit activity triggers, and identify churn risks. These insights integrate seamlessly with CRM systems such as Salesforce or Braze to enable data-driven marketing and relationship management. Assess – Credit & Cashflow Underwriting: Bud’s technology supports real-time affordability checks and dynamic risk profiling by analyzing actual income and spending behavior. This enables more accurate credit decisions and reduces default rates by grounding assessments in real cashflow data rather than static credit scores.