ADS Engine
ADS Engine — AI-Driven Advertising & Decision Platform
The ADS Engine is a powerful advertising management and AI-driven decision system integrated into the Smartex Money platform. It enables FinTech organizations and their merchants to display targeted advertisements across web and mobile channels, while also providing real-time fraud detection, credit scoring, and behavioural analytics — creating additional revenue streams and enhancing customer engagement.
Built on enterprise-grade ML pipelines, the ADS Engine processes thousands of transactions per second with sub-100ms scoring latency, enabling instant decisions on fraud, credit risk, and customer behaviour patterns.
Core Capabilities
Multi-Channel Delivery
Display ads on web banking portal and mobile app. Banner ads, interstitials, native placements, and push notification campaigns — all managed from a single dashboard.
Targeted Advertising
Segment by user demographics, transaction behavior, account type, and geographic location. AI-powered recommendation engine matches ads to the right audience at the right time.
AI Decision Engine
Real-time fraud detection, credit scoring, and transaction monitoring. Custom ML model training with historical data. Sub-100ms scoring latency for instant decisions.
Rich Media Support
Banner ads, interstitials, video ads, and native ad placements. Full creative management with A/B testing and performance comparison.
Performance Analytics
Impressions, clicks, conversions, and ROI tracking. Real-time dashboards with drill-down capability. Export reports in PDF, CSV, and Excel formats.
Monetization Options
Flexible pricing models: CPM (cost per mille), CPC (cost per click), and CPA (cost per action). Automated billing and revenue splitting for multi-party campaigns.
AI & Machine Learning
Fraud Detection
Real-time transaction monitoring with behavioural and predictive models. Anomaly detection flags suspicious patterns instantly, reducing false positives by up to 60% compared to rule-based systems.
Credit Scoring
Adaptive AI risk models for loan origination. Combine traditional credit data with alternative data sources (transaction history, mobile behavior, utility payments) for more inclusive scoring.
Anomaly Detection
Unsupervised ML models detect unusual patterns in transaction volumes, login locations, and user behavior. Configurable alert thresholds and automated escalation workflows.
Behavioural Analytics
Customer journey analysis and churn prediction. Identify at-risk customers before they leave and trigger retention campaigns automatically via Flow Modeler.
Model Training
Custom ML model training via integrated pipelines. Upload historical data, configure features, train models, and deploy to production — all from the admin interface.
Advertiser Portal
Self-service interface for merchants to create and manage campaigns. Budget control, scheduling, creative upload, and real-time performance tracking — no technical knowledge required.
Use Cases
Merchant Promotion
Banks promote partner merchants and earn commission on transactions. Geo-targeted ads show nearby merchant offers to customers based on their location and spending patterns.
Product Cross-Selling
Promote financial products (loans, cards, insurance, deposits) to existing customers. AI recommendation engine identifies the optimal product for each customer segment.
Third-Party Advertising
Sell ad space to external advertisers targeting FinTech audiences. Full self-service portal with programmatic buying, real-time bidding, and transparent pricing.
Internal Communication
Display important notices, maintenance announcements, and feature updates. Targeted delivery ensures the right message reaches the right user segment.
Revenue Generation
Transform the banking platform from a cost center into a revenue-generating ecosystem. Multiple monetization streams: ad sales, transaction commissions, and premium placements.
Automated Workflows
Integrate with Flow Modeler to trigger automated campaigns. A customer reaching a savings milestone can automatically receive a personalized investment product offer.
Technical Specifications
Performance
Sub-100ms scoring latency for real-time decisions. Horizontal scaling handles 10,000+ transactions per second. Built on Java EE with distributed caching for high throughput.
Integration
RESTful and SOAP APIs for all functions. Native integration with ABS Core, On-Board CRM, Loan Farm, and Flow Modeler. External API endpoints for third-party ad networks.
Data Sources
Combines transaction data, customer profiles, credit bureau feeds, and alternative data (mobile, utility, social). Unified data layer with Cryptex DB encryption for sensitive fields.
Security
Role-based access control via Smartex SSO. All ad content is sanitized and validated. PII used for targeting is anonymized and aggregated — never exposed to advertisers.
Ready to monetize your FinTech platform?
The ADS Engine turns your banking platform into a revenue-generating ecosystem. Schedule a demo to see how AI-driven advertising and decision automation can transform your business.
Request a Demo