Pocketnest’s Patent Portfolio Fuels AI Growth

Latest patents accelerate fintech’s AI product innovation

Pocketnest, the woman-founded financial wellness platform, expands its patent portfolio for its groundbreaking generative AI technology, solidifying its position as a leader in fintech innovation and fueling growth in its artificial intelligence products.

Pocketnest’s growing patent portfolio includes: 

• Systems and Methods for Accuracy-Enhanced Processing of Query Data within a Multi-Digital Agent Architecture Patent 

• Multi-Digital Agent Architecture with Query-Enhanced Digital-Agent Selection Mechanism Patent

“Pocketnest is delivering exactly what the market demands—scalable innovation with measurable impact,” said April Clobes, president and CEO, Michigan State University Federal Credit Union. “Their patented generative AI technology positions them for significant growth, driving both user engagement and revenue opportunities for financial institutions.”

This milestone follows the company’s recent integration with CU*Answers’ digital banking platform, It’s Me 247, and recognition across the industry as a pioneering force in generative AI. The newly secured patent portfolio paves the way for an aggressive expansion of Pocketnest’s AI-driven capabilities for both financial institutions and their users.

“We’ve always believed in the power of our generative AI companion, Birdie—built from the ground up to be unlike anything else in the marketplace,” said Chris Wascha, chief technology officer, Pocketnest. “These patents validate our approach and give us the confidence to double down on developing even more sophisticated AI features. The speed of this approval timeline underscores how unique and powerful our technology truly is.”

The newly patented technology will soon allow Pocketnest to deliver hyper-personalized insights, education, and financial guidance with minimal user input, enabling a seamless, intuitive experience. Financial institutions, in turn, gain deeper customer insights, unlocking greater opportunities to drive cross-sell revenue.

With a client roster of more than 50 enterprise partners—including MSU Federal Credit Union, Community Financial Credit Union, Frankenmuth Credit Union, MAPS Credit Union, and ELGA Credit Union—Pocketnest continues to help credit unions increases member financial wellness by an average of 57 percent and identifies millions of dollars in cross-sell revenue. 

Pocketnest takes a holistic approach to financial wellness, combining behavioral science and generative AI to offer personalized guidance across ten core financial areas—from budgeting and debt management to estate planning and taxes. Its platform delivers actionable insights that empower users and enable institutions to better engage with their communities and uncover revenue opportunities.

The Pocketnest platform is now available, with existing integrations with CU*Answers and Lumin Digital, with more integrations on the horizon.