inncivio Company Profile

Background

inncivio is an AI-powered platform dedicated to enhancing user engagement and revenue for fintech platforms through personalized, real-time in-app guidance. Founded in 2024 by Ghassen Benhadjsalah, Anna Raafat, and Fernando Félix, the company aims to transform passive users into active participants by delivering timely, context-aware insights directly within the user interface.

Key Strategic Focus

inncivio's strategic objectives include:

Personalized User Engagement: Utilizing AI to provide tailored in-app guidance that aligns with individual user behaviors and preferences.

Revenue Optimization: Driving higher transaction volumes and increasing revenue per user by guiding users toward high-value actions.

Seamless Integration: Offering easy integration with fintech platforms through a single line of code, minimizing engineering efforts.

Continuous Learning and Adaptation: Employing AI that continuously learns and adapts to user interactions, ensuring relevance and effectiveness over time.

The primary markets targeted by inncivio encompass:

Trading Platforms: Simplifying complex dashboards to encourage more transactions.

Lending Marketplaces: Informing investors about diverse investment opportunities.

Crypto and Savings Applications: Increasing deposits and reducing user drop-off through micro-education.

Financials and Funding

As of June 2025, specific details regarding inncivio's funding history, total funds raised, and notable investors have not been publicly disclosed. The company appears to be in the early stages of its financial journey, focusing on product development and market penetration.

Pipeline Development

inncivio's development pipeline includes:

AI-Powered In-App Guidance System: Currently deployed, offering real-time, personalized tooltips and pop-ups to guide user actions.

Adaptive Learning Algorithms: In continuous development to enhance the platform's ability to learn from user behavior and optimize guidance strategies.

Integration Capabilities: Expanding compatibility with various fintech platforms to ensure seamless implementation.

Technological Platform and Innovation

inncivio distinguishes itself through several proprietary technologies and methodologies:

AI-Driven Personalization: Leveraging machine learning algorithms to analyze user behavior and deliver context-specific guidance.

Real-Time Optimization: Implementing AI that continuously tests and refines interventions to maximize user engagement and conversion rates.

Behavior-Driven Insights: Utilizing data analytics to understand user interactions and tailor guidance accordingly.

Compliance and Security: Ensuring GDPR compliance and employing full encryption to protect user data.

Leadership Team

Ghassen Benhadjsalah, Co-Founder & CEO: A data scientist and actuary turned entrepreneur with experience in founding multiple startups and deploying AI across various industries.

Anna Raafat, Co-Founder & COO: An economist with experience in both public and private sectors, including roles at the Swiss National Bank and Deloitte. She specializes in turning vision into reality and bridging the gap between tech and non-tech domains.

Fernando Félix, Co-Founder & CTO: A tech leader and industrial designer with a track record of building over 300 products and leading teams of more than 200 members. He has developed technologies for e-learning platforms, CRMs, and dynamic marketplaces.

Leadership Changes

As of June 2025, there have been no publicly announced changes or appointments within inncivio's leadership team.

Competitor Profile

Market Insights and Dynamics

The fintech industry is experiencing rapid growth, with increasing demand for solutions that enhance user engagement and optimize revenue streams. The integration of AI and personalized guidance systems is becoming a critical differentiator in this competitive landscape.

Competitor Analysis

inncivio operates in a niche market with limited direct competitors. However, some platforms offer overlapping functionalities:

Rippling: Provides a unified platform for payroll, benefits, HR, and IT, with some learning management features.

Paylocity: Offers comprehensive HR and payroll solutions, including corporate learning management systems.

Leapsome: Focuses on performance management and employee engagement, incorporating learning and development modules.

These competitors primarily offer broader HR and learning management solutions, whereas inncivio's focus is specifically on enhancing user engagement and revenue for fintech platforms through AI-driven in-app guidance.

Strategic Collaborations and Partnerships

As of June 2025, inncivio has not publicly disclosed any significant collaborations, partnerships, or alliances. The company appears to be concentrating on refining its product offerings and establishing a strong market presence.

Operational Insights

inncivio's strategic considerations include:

Fintech-Specific Expertise: Tailoring solutions exclusively for fintech applications to ensure alignment with financial and user behaviors.

End-to-End User Engagement: Supporting users throughout their entire journey, from initial onboarding to every revenue-critical action.

Real-Time AI Optimization: Continuously adapting to user behavior and platform changes to deliver smarter guidance without constant manual adjustments.

Strategic Opportunities and Future Directions

inncivio's roadmap includes:

Expansion of AI Capabilities: Enhancing machine learning algorithms to provide even more personalized and effective user guidance.

Broader Platform Integration: Developing compatibility with a wider range of fintech platforms to increase market reach.

Data-Driven Insights: Offering analytics and reporting features to help clients measure the impact of in-app guidance on user engagement and revenue.