Summary

What is the Personalisation Engine

The Offer API is how partners make use of the Cover Genius Personalisation Engine

At its core, the Personalisation Engine is designed to be the single, definitive source of truth for what protection offer a customer sees, when they see it, and why.

Cover Genius has built this engine based on our decades plus of experience and is built to be vertical, platform and partner agnostic. Its primary job is to deliver the most relevant and tailored offer to a customer in real time, regardless of whether they are on your website, in a mobile app, or interacting with a marketing campaign. By centralizing the decision-making process, we can ensure consistency and rapidly test new strategies aimed at improving key metrics like conversion rates, retention, and the average value of a subscription or purchase.

The Personalisation Engine is the cornerstone of our digital strategy into the next decade and beyond at Cover Genius.

High level flow

When a partner application needs to display an offer for instance, on a checkout page, you would send a single API request to the engine. This request is bundled with crucial Context data (like the user's ID, device type, location, and previous engagement attributes).

The engine then executes a real-time process:

1. Evaluate: It takes the provided Context and evaluates it against all available Products and Strategies in our system.
2. Decide: Based on a set of defined eligibility rules and available machine learning models, the engine selects the single optimal Offer for your customer.
3. Respond: The client receives a clean, complete response object called an Offer, which includes all the necessary product details, pricing, and specific content ready for presentation to the customer.

This unified approach separates the business logic (what to show) from the display logic (how to show it). Your client application remains lightweight, relying on the engine to deliver the complete package, which makes testing and deployment of new pricing or content strategies fast and safe whilst driving growth.