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From Marketing AI Partner to Enterprise AI Co-Builder.
How can Crayon Data accelerate HDFC Bank's AI initiatives?
8 Years Together.
We've built a strong partnership on the marketing side. This conversation is about what comes next — becoming a build partner inside your Digital Factory, more than a vendor on the outside looking in.
We Understand You Want To Be In Control.
An in-house platform. Ring-fenced foundation models. A Digital Factory in Gurgaon. Governance embedded from day one. We're not here to change your architecture — we're here to accelerate it.
Three Engines. One Company.
Tangram agents give you a head start. Catalyst services take you from prototype to production in weeks. The Tangram Store gives your growing agent catalog the governance layer it needs to scale.
Your Stack. Your platform.
We work as an extension of your Digital Factory — your platform, your guardrails, your governance councils. We bring build velocity; you retain full ownership of everything we create together.
Not Slides. Working Agents.
Everything we show you is in production or production-ready — built for financial institutions that take governance, compliance and scale as seriously as you do.
Our Journey Together
Crayon Data & HDFC Bank — 8 Years Together
8+
Years Together
65M+
Customers Personalized
6,000Cr
INR Annual Offer Spends
9,000+
Offers Onboarded
2017 - 2020
Launch Phase
- Delivered personalization on 7Mn CC customer base
- Tested algorithms for value across activation, retention and customer growth
- Drove 7-10% growth in monthly customer spends
- Drove activation on 14% of inactive base
- Drove 15-20% activation on category NU bases
2020 - 2025
Growth Phase
- Formalized long-term contract with CC LOB based on results in previous phase
- Created personalized genomes for all 20Mn+ CC cardholders
- Delivered INR 6,000Crs in average annual incremental offer spends
- Launched Festive Treats in 2023, 2024 & 2025. Delivered average of INR 2,500Crs in incremental spends during each FT period
- Onboarded 9,000+ offers, analysing 130Mn+ CC transactions each month
2025
Expansion Phase
- Personalized genomes for all 65Mn+ HDFC Bank cardholders; 165Mn+ transactions analyzed each month, generating 6.5Bn+ customer-merch propensities
- Integrated personalization APIs into Smartbuy
- 1.2M customer visits, 3.5Mn+ API hits served per month, <1s latency and 5% lift on engagement MoM
- Launched Offer Management Platform to onboard 10,000 offers
2026
Future Phase
- Extending personalization to all HDFC Bank channels – Net & Mobile Banking, Xpressway, Payzapp, Vyapaar, Email / SMS, etc.
- Expand to other product types incl. EasyEMI, Loans, etc.
- Unified Portfolio Management to drive data & AI-led portfolio growth at fractional cost
- Travel AI to boost largest spend portfolio of the bank
- Calendar 360 to drive daily engagement habit with customers
2017 - 2020
Launch Phase
- Delivered personalization on 7Mn CC customer base
- Tested algorithms for value across activation, retention and customer growth
- Drove 7-10% growth in monthly customer spends
- Drove activation on 14% of inactive base
- Drove 15-20% activation on category NU bases
2020 - 2025
Growth Phase
- Formalized long-term contract with CC LOB based on results in previous phase
- Created personalized genomes for all 20Mn+ CC cardholders
- Delivered INR 6,000Crs in average annual incremental offer spends
- Launched Festive Treats in 2023, 2024 & 2025. Delivered average of INR 2,500Crs in incremental spends during each FT period
- Onboarded 9,000+ offers, analysing 130Mn+ CC transactions each month
2025
Expansion Phase
- Personalized genomes for all 65Mn+ HDFC Bank cardholders; 165Mn+ transactions analyzed each month, generating 6.5Bn+ customer-merch propensities
- Integrated personalization APIs into Smartbuy
- 1.2M customer visits, 3.5Mn+ API hits served per month, <1s latency and 5% lift on engagement MoM
- Launched Offer Management Platform to onboard 10,000 offers
2026
Future Phase
- Extending personalization to all HDFC Bank channels – Net & Mobile Banking, Xpressway, Payzapp, Vyapaar, Email / SMS, etc.
- Expand to other product types incl. EasyEMI, Loans, etc.
- Unified Portfolio Management to drive data & AI-led portfolio growth at fractional cost
- Travel AI to boost largest spend portfolio of the bank
- Calendar 360 to drive daily engagement habit with customers
Crayon Data Runs Innovation to Production Systems at Scale.
AI that runs inside regulated environments. AI that integrates with real systems. AI that delivers measurable outcomes. These are not pilots. They are production systems.
AI for Personalization
65Mn+ cardholders
165Mn+ txns/month
1.2Mn+ customer visits/month
3.5Mn+ API calls/month
AI-Analytics CoE for
~2.5Mn customers
300Mn txns/yr
50+ data system integrations
50+ AI-ML use cases
100+ anomaly controls
Data and AI platform
Scaled from 0 to ~12Mn customers
350Mn transactions p.m
$6Bn value p.m
66% of national GDP through one wallet
AI-led travel experience with cold start personalization, data rich personalization and customer genome for
~100Mn customers
KSA
GLOBAL
GLOBAL
GLOBALWhat Could an AI-First Bank Look Like in 3 Years?
The "Dashboards & Meetings" Loop
You are drowning in data but starving for answers.
Static BI layers, fragmented data warehouses, and manual report cycles create a 2-3 week insight lag across business units.
The Manual Workforce Bottleneck
High-value talent spent on repetitive, rule-based processes.
Operations teams spend 60-70% of bandwidth on manual data entry, reconciliation, and compliance checks that follow deterministic logic.
Pilot Purgatory
Innovation labs full of "toys" that never ship.
Proof-of-concepts built on sandbox data, disconnected from core banking systems, with no path to production governance or scale.
The Triple-Engine Model.
Enterprise AI works only when platform and execution move together.
So we redesigned our company around a triple-engine model:
Tangram AI
Tangram agents give you a head start. Catalyst services take you from prototype to production in weeks. The Tangram Store gives your growing agent catalog the governance layer it needs to scale.
Platform. Execution. Ecosystem. Together.
Days
to Demos
Weeks
to Prototypes
Months
to Production
200+ AI Use Cases & Agents Across Business Functions
Proven patterns from large-scale banking AI deployments
Sales & Revenue Growth
12A peek into a select few demos
Controls Agents Suite
Automate Transaction Reconciliation and Banking Control Monitoring. Reduce reconciliation effort by 80%.
Test Data Management
Generate Realistic Test Data Instantly - Automate synthetic test data generation while maintaining referential integrity.
Earnings Analyst
Unlock Financial Insights Instantly - Streamline earnings analysis with AI-powered document processing.
CXO Conceirge
Enable Executive Decision-Making with Instant Insights - Transform complex business queries into decision-ready intelligence
LEA Notice Assistant
Automate LEA Notice Management - Transform legal enforcement notice handling with intelligent automation.
Account Opening Automation
Accelerate Account Opening with End-to-End Automation. Reduce account opening time by 80%.
Death Claim Settlement
Deceased Claims Processing, Automated - End-to-end workflow automation with AI-powered document extraction.
Credit Agreement Writer
Automate Credit Agreement Generation - Transform proposals into polished legal agreements. Reduce prep time by 70%.
AI Marketplace
Transform Transaction Data into Revenue-Driving Personalized Recommendations with ML-powered offer relevance.
Offer Management Platform
Manage Promotional Offers with AI-Powered Self-Service Platform. Reduce offer launch time by 70%.
Travel AI
Simplify Travel Planning with Intelligent Automation - Organize flights, hotels, and rental cars seamlessly.
Personal Finance Assistant
Master Your Money with Conversational Intelligence - Analyze spending patterns and receive instant financial insights.
Your Stack. Your Platform.
We understand your architecture and your need for control.
A Proprietary, Bank-Controlled AI Environment
You are building a proprietary in-house platform — not buying SaaS tools — curating and ring-fencing foundation models to create a bank-controlled AI environment.
Digital Factory Building on This Platform
Your Digital Factory is building capabilities on this platform — starting with IDR, chatbots, voice-to-text, and data extraction — with use cases sponsored and governed by business units.
Governance Embedded from Day One
Your Risk / Model Risk governance is embedded from the start — defining tiering, guardrails, and validation requirements at the platform level, not bolted on after the fact.
Where We Can Help Accelerate
- Build velocity — extending Digital Factory capacity with production-grade agents
How can Crayon Data partner with HDFC Bank?
Platform. Execution. Ecosystem. Together.