BGL BNP Paribas has just launched Genius, a fully digital service intended to help clients with the day-to-day management of their accounts.

Developed in close collaboration with the FinTech Personetics, "Genius by BGL BNP Paribas" uses an artificial intelligence algorithm to send personalised messages in the form of advice, alerts and recommendations, enabling clients to better manage their budget and monitor spending.

More specifically, the service is capable of analysing trends in client spending, classifying purchases and payments made, alerting clients to any unusual transactions or cash flow problems and, in general, providing tips on smart banking behaviour. It is a self-learning service that adapts its messages based on ratings given by users.

The new secure service is available by default in the Web Banking app for smartphones for no additional cost and can be disabled at any time.