The team behind Hello Clever has launched Clever AI Data Analyst, a powerful new real-time intelligence layer built directly into its payments and rewards ecosystem.
While most fintech AI tools are either buried in the backend or overly eager on the frontend, Clever AI balances technical depth with operational tact. It doesn’t just surface trends. It thinks. And it doesn’t just wait to be asked, it acts.
Two powerful modes:
- Reactive: A conversational interface that responds in real-time to any question about a merchant’s business. From “Why were Sydney sales down last Thursday?” to “Which segments are abusing returns?”
- Proactive: A background engine that watches for risks, friction, and opportunities from churn and fee spikes to loyalty campaign cannibalisation and alerts the merchant before they even think to ask.
“We don’t believe in passive insights. Our AI doesn’t wait. It watches. It learns. And when it knows something you don’t, it tells you,” said Hello Clever CEO Caroline Tran.
Clarity, without complexity
Merchants don’t want dashboards. They want decisions. Whether you’re an SMB operator checking cashflow at 10:45pm, or an enterprise CMO reviewing campaign lift by channel, Clever AI responds with trusted, business-first answers not black-box abstraction.
It’s not here to replace human judgement. It sharpens it.
Built for the real world. Not a sandbox
Unlike generic LLMs or off-the-shelf BI dashboards, Clever AI is vertically integrated, built from the ground up on top of real payments and rewards data. It’s not a generic layer, it’s deeply embedded in every transaction and campaign.
While others offer APIs or dashboards, Clever AI is something deeper a native intelligence layer, built from the ground up with merchant DNA.
This is a multi-agent AI system, fine-tuned on first-party merchant data, market signals, and feedback from real operators. It uses a powerful combination of retrieval-augmented generation (RAG), text-to-SQL, and conformal forecasting, all running on zero-trust, enterprise-grade infrastructure.
“We designed Clever AI inside a real payments and loyalty company one with customers ranging from sole traders to $300M+ brands,” said Gavin Nguyen, Hello Clever Co-Founder & CTO. “That means we didn’t just build an AI for show. We built it for scale, accuracy, and business logic that actually mirrors how merchants operate.”
The right signals at the right time
From early merchant trials, the benefits are already surfacing:
- Time-to-insight reduced from hours or days to seconds.
- Teams are leaning on AI not just for answers but for validation, sense-checking, and simulation.
- SMEs get their own on-demand analyst. Larger teams use Clever AI as a co-pilot that sharpens intuition, not replaces it.
A smarter foundation for commerce
As merchants demand sharper decision tools, real-time intelligence is no longer a nice-to-have, it’s a necessity.
With a unified layer of payments, rewards, and AI, Hello Clever is positioning itself at the intersection of commerce and intelligence. Not just as a processor or loyalty vendor but as the infrastructure layer where money meets momentum.
For merchants who don’t have time to wait, Clever AI is ready now.
