AIZEN provides ABACUS, a core AI engine for retail banks that can automate big data analysis, predict financial behaviors, and support the decision-making process using machine learning, deep learning, and machine reasoning. With ABACUS, banks can select good/bad customers and offer customized interest rates/loan volumes, or select good target customers to offer additional loans. They can also develop optimized churn prevention strategies by predicting which customers are highly likely to pay in advance.