Habitual.AI is the flagship product of 3LOQ, an AI start-up founded by Carnegie Mellon alums Anirudh Shah & Sunil Motaparti. It automates the process of building habits, enabling banks to create habitual users across digital and mobile platforms. Habitual.AI triggers intent-driven usage at scale using cognitive computing and machine learning. It learns how customers use a digital banking product and calculates user journeys that are most likely to foster habitual usage. xxTrusted by leading institutions in global banking, Habitual.AI currently services a total base of more than 10M end-users. It consistently delivers business results in the form of more transactions, more monthly active users (MAUs) and reduced customer churn - all by building customer habits.