Every financial institution we work with needs the same thing: to be useful to their customers. Not in a vague, brand-promise way. Actually useful. The kind of useful where someone opens the app and gets help making a decision, not just a dashboard with different cards showing them numbers they don’t know what to do with.

The problem is that being genuinely useful at scale has always been impossible. A human advisor can give someone thoughtful, personalised guidance. But human advisors are expensive, and there aren’t enough of them. So most customers get generic content, automated alerts, and the implicit message: here’s your data, good luck figuring out what it means.

Holi changes this. Holi is an AI financial companion you deploy inside your app. It connects to the data you already have about each customer: their accounts, their transactions, their policies, their pensions. It learns how they think about money. And it gives them guidance shaped by their actual situation, their actual goals, their actual life.

Here’s where it gets interesting technically. The big problem with AI in financial services has always been trust. Language models are probabilistic. They’re good at understanding what someone is asking and generating helpful responses. They’re not good at doing maths reliably or following regulated advice processes exactly as designed. So you end up with a choice: use AI and accept the risk, or don’t use AI and miss the opportunity.

We solved this by building Holi on top of Dimply’s existing infrastructure. When a customer asks Holi a question that requires a calculation, Holi doesn’t attempt it itself. It leverages Dimply’s formula engine, the same engine your teams already use to build experiences, which returns a precise, auditable result. When a customer needs to go through a structured process, like an advice journey with specific compliance steps, Holi recognises the intent and embeds that deterministic journey directly into the conversation. The customer experiences it as one seamless interaction. Under the hood, Holi is orchestrating between open-ended conversation and exact, rule-based flows.

“Someone asks Holi whether they should put more into their pension. Holi looks at their salary, their existing contributions, their retirement goals – and explains the trade-offs in plain English. Then, if they decide to act, the contribution journey your team built appears right there in the chat. They never leave the conversation. Your compliance rules are followed exactly. That’s what we mean by guidance that actually helps.”

Johnny Kane
Chief Product Officer

The result is that every one of your customers gets access to thoughtful, personal guidance that used to be reserved for your wealthiest clients. And you get AI that operates within the guardrails your compliance team requires: deterministic where it needs to be, intelligent where it helps. You become the institution that actually helps people with their money. That’s a hard thing to compete with.