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  "documentTitle": "Banking Consumer Study 2025",
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      "text": "When done right, personalization stops being about product recommendations and becomes an evolving partnership that delivers true value to customers. Cleo, the UK-based company with 6 million clients, is attracting young audiences through its AI-powered assistant, which leverages open banking to analyze income, bills and spending patterns, creating personalized money management plans that align with users' financial goals. With precise and actionable insights, the customer gains control over their spending, allowing them to prioritize what they truly enjoy while reducing unnecessary expenses through a personalized spending challenge. Also, with features like \"Roast Mode,\" which humorously calls out poor spending habits, and a tone maintained by a team of comedians, Cleo combines humor and relatability to make financial coaching more engaging.",
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