Press release. Originally issued 2 June 2025. Updated 5 October 2026 to reflect current company positioning.

XYB, the Adaptive Financial Infrastructure company, today announced a strategic partnership with Bud Financial, the leading provider of AI-powered data intelligence solutions for financial services. This partnership connects the AFI Platform with Bud’s data enrichment engine to transform raw customer data into actionable customer insights and experiences, enabling financial institutions to move from data to decision in real time.

The two companies are already collaborating on projects with banks in the US and Europe, leveraging their combined capabilities to power AI-driven use cases that improve customer understanding, drive personalization, and accelerate speed to value.

Bridging the Data Gap Between Infrastructure and Intelligence

Financial institutions are overwhelmed with data but lack the systems to act on it effectively. While the AFI Platform unifies systems, people, and processes on one event-native substrate, Bud turns transactional data into meaningful, AI-ready signals that power smarter decisions.

Together, XYB and Bud offer a new proposition: a unified pathway for financial institutions to embed AI-powered decisioning directly into core workflows without lengthy integration cycles or fragmented systems. As a result, they no longer need to choose between infrastructure and intelligence.

Shared Vision: Adaptive Infrastructure Meets Composable Intelligence

“XYB was designed to help institutions move faster, not just with better infrastructure, but with better intelligence. Partnering with Bud lets us embed real time, AI-ready insights directly into the heart of the bank, unlocking smarter outcomes from day one. Data alone isn’t enough – it’s what you do with it that counts.”

Derek Joyce, CEO of XYB

The partnership reinforces XYB’s vision: financial institutions building their future on infrastructure that adapts with them. Bud’s AI-driven enrichment capabilities fill the critical gap between data collection and data action, aligning closely with the AFI Platform’s event-native architecture.

Making Scalable Personalization a Reality

“Banks don’t need more data, they need better ways to use it. By combining Bud’s data intelligence capabilities with XYB’s infrastructure, we’re giving financial institutions the tools to act on intelligence in real time. This partnership is about enabling better decisions, faster – and making scalable personalisation finally achievable. It’s a step toward a future where data-driven banking isn’t aspirational, it’s operational from day one.”

Edward Maslaveckas, CEO at Bud

Bud’s capabilities in data enrichment, AI training, and signal generation plug into the AFI Platform through its open adapters, supporting a new generation of financial services: agile, intelligent, and endlessly configurable.

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