Understand your customers. Speak to them well.
Vive builds the systems behind both, from the first data you collect to the AI that talks to customers. Led by Chris Courtney, a former fintech SVP and behavioral scientist, trained in regulated finance where mistakes are expensive.
From first data to final decision.
Understanding customers and speaking to them well takes more than one model or one agent. We work on every step, and each one feeds the next.
- 01
Collect
Design the interactions that produce clean, interpretable data from day one.
- Event and onboarding design
- Research and surveys
- Data contracts
- 02
Structure
Make messy, scattered data usable, documented, and trusted.
- Data architecture
- Cleanup and integration
- One source of truth
- 03
Model
Turn data into understanding: who will repay, what customers need, what’s next.
- Credit and risk models
- Behavioral segmentation
- Forecasting
- 04
Decide
Put that understanding to work in the decisions the business makes every day.
- Credit strategy
- Decision rules and policies
- Internal tools and BI
- 05
Deliver
Bring it to customers through experiences and agents that adapt to how people decide.
- Customer-facing agents
- Personalization
- Behavioral design
Every customer interaction is also new data. Designed well, the system gets smarter with use.
Pre-launch teams start at collection, so the data is right from day one. Teams with years of messy data start at structure. Teams ready for an agent start at delivery, with the layers beneath it checked first.
Three ways in.
Scoped to where you are, from a first diagnostic to an ongoing seat at the table.
Diagnostic
A fixed-scope review of your data, models, or AI initiative. You get a clear read on what is working and a prioritized plan. Weeks, not months.
Fractional leadership
A part-time head of data, AI, or risk for teams not ready for a full-time hire. Strategy, hiring, and hands-on work on a monthly retainer.
Design and build
Any step of the system, or all of it, designed and built in production code: pipelines, models, decision logic, or agents.
Rare expertise. Direct access.
Vive is led by Dr. Christopher Courtney, behavioral scientist and fintech executive. Chris spent over a decade as a leader in consumer finance, owning credit risk, data science, BI, analytics, and UX research. He took a consumer lender from pre-product to unicorn valuation.
Vive is built for consumer-facing companies at every stage, especially where trust and regulation raise the stakes. Early-stage teams get senior judgment before they can hire for it. Growth-stage teams get strategy that holds up in production.
When you engage Vive, you work directly with Chris. The person shaping the strategy is the same person building the system. No layers. No dilution.
Cross-functional fluency
Fluent across data science, engineering, product, risk, legal, and compliance. We speak every stakeholder’s language.
Regulated environments
Consumer lending and payments. Spaces where the cost of a wrong answer is set by regulators, not retries.
Behavioral science
A PhD in cognitive neuroscience, applied to how people actually decide about money under uncertainty.
Let’s build the system behind
your next decision.
Tell us what you’re working on, and we’ll follow up with a concrete first step.