In a financial environment marked by mergers, integrations, and restructurings, many banks face a very specific operational challenge: how to manage increasingly large client portfolios with sales teams that have not grown at the same pace. This tension between capacity and volume can lead to missed opportunities, internal overload, and a suboptimal customer experience.
At MST Holding, through our Banking Business Innovation (BBI) unit, we have developed a solution designed to address this challenge intelligently and efficiently. Optima360 is an intelligent commercial management module included in our BBI platform, designed to enhance the productivity of banking sales teams through artificial intelligence, automation, and smart prioritization.
What is Optima360?
Optima360 is an advanced system that enables financial institutions to efficiently manage complex and oversized client portfolios. By leveraging AI algorithms trained on real data and its automation capabilities, the module helps to:
- Prioritize leads and contacts with the highest potential.
- Predict customer needs before they are expressed.
- Automate routine tasks in the sales cycle.
- Reduce pressure on teams without missing business opportunities.
It provides an answer to an urgent question: how to serve better, with fewer resources, without compromising results?
The Challenge of Oversized Portfolios
After a merger or integration, it is common for sales teams to inherit hundreds or thousands of new clients—many of them with unknown needs, different histories, and varied behaviors. In this context, managers must make quick decisions: Who should I contact first? Who has the highest conversion potential? What can I offer them?
If these decisions are made manually or intuitively, the margin for error is high and efficiency is low. Optima360, on the other hand, provides a data-driven logic for action, using predictive models and intelligent automation to assign priorities strategically and maximize available resources.
Key Features of Optima360
Optima360 is designed to optimize all phases of the sales cycle, from planning to execution and follow-up. Its main capabilities include:
1. Segmentation by Value and Conversion Propensity
The platform analyzes historical behavior, demographic profiles, product usage, and other variables to segment clients and leads based on their potential value. This allows banks to determine, for example:
- Who is most likely to take out a specific product.
- Which clients require immediate contact and which can wait.
- Where to invest time and effort to maximize return.
This segmentation goes beyond traditional classification by transaction volume or account balance, incorporating propensity models and expected future value to create a far more useful and realistic commercial map.
2. Contact Prioritization
Using segmentation and propensity indicators, Optima360 generates dynamic lists of prioritized contacts, enabling each manager or agent to focus on clients with the highest likelihood of conversion at that specific moment.
Prioritization adapts in real time, taking into account:
- Changes in customer behavior.
- New data from other areas (risk, operations, etc.).
- Results from previous campaigns.
In this way, every commercial action is based on informed, strategic decisions, avoiding unproductive or misdirected efforts.
3. Needs Prediction
One of Optima360’s differentiating strengths is its ability to predict future needs before the client expresses them. Using algorithms trained on large volumes of banking data, the system can anticipate, for example:
- Which clients are about to need a loan.
- Who could benefit from an investment fund.
- Which users are at risk of churn or dissatisfaction.
This predictive intelligence transforms reactive sales into proactive engagement, improving the customer experience and increasing conversion rates.
4. Automation of Initial Contact and Follow-Up
For high-volume or lower-value profiles, Optima360 can fully automate the initial contact and subsequent follow-up without human intervention.
This may include:
- Sending personalized emails.
- Automated SMS or push notifications.
- Calls via automated voice assistants.
- Automatic CRM updates based on responses or interactions.
This allows teams to focus exclusively on the most valuable or complex contacts, while the platform autonomously keeps the rest of the funnel active.
Intelligence at the Service of People
One of the principles behind Optima360 at MST Holding is that artificial intelligence does not replace human capital—it empowers it. Our platform is not intended to replace the manager or sales team but to give them superpowers:
- Freeing them from repetitive and administrative tasks.
- Providing clarity on where to focus their effort.
- Offering personalized arguments for each client.
- Helping them achieve more results with less effort.
In this sense, Optima360 improves the quality of sales work and reduces operational stress, increasing satisfaction for both the team and the end customer.
Tangible Results
Financial institutions already using Optima360 in their commercial operations have achieved improvements such as:
- An increase in commercial conversion rates of over 30%.
- A 25% reduction in average deal closure time.
- Fewer unproductive calls or unnecessary interactions.
- Enhanced customer experience, with timely and useful proposals.
All of this is achieved with the same team, the same portfolio, and without additional structural costs. The secret is using technology intelligently—and that is precisely Optima360’s goal.
Part of a Broader Vision: BBI
Optima360 is not an isolated module but part of a broader technological proposition: BBI (Business Banking Innovation), our exclusive banking unit that allows institutions to optimize all their key processes—from front-office business generation to complex back-office optimization across all banking and insurance verticals.
At MST Holding’s Banking Business Unit, we designed BBI so that each institution can configure its solution according to its needs, incorporating only the modules required, with the option to scale or integrate new capabilities as the business evolves.
Within this ecosystem, Optima360 acts as the commercial brain, helping make better decisions, act quickly, and build stronger relationships with clients.
Conclusion
Optima360 is much more than an intelligent CRM. It is an AI-based commercial management platform that allows banks to multiply operational capacity without expanding structures, serving better, selling more, and retaining clients efficiently.
In an environment where growth does not always come with more resources, solutions like this are essential to remain competitive, care for clients, and empower internal talent.
At MST Holding, we are clear: the future of banking lies in data-driven decision-making and unlocking human potential with the help of technology. With Optima360, that future is already here.