The Perfect.Live co-founder is building a service that helps financial platforms connect premium banking with their clients’ everyday lives
A client can move money between financial apps in seconds. Yet sorting out a disrupted trip, arranging something for their family, or coordinating work across several countries can still take hours. For a financial institution competing for that client’s attention and assets, this gap is an opportunity. Perfect.Live co-founder and CEO Dmitri Laush sees personal assistance in fintech as a way to close it.
Dmitri Laush brings experience in brokerage and fintech, including roles at Admirals and GetID. His idea is to place personal assistance inside the products clients already trust. This would give banks, brokers, and wealth platforms a role in the practical side of their customers’ lives.
In an earlier interview with FinanceFeeds, Laush described the frustration that led him to build Perfect.Live: frequent travel, fragmented arrangements, and premium services whose technology had not kept pace with their customers’ expectations. The company combines an app with human assistance, supported by AI behind the scenes. Its business offering lets partners provide the service under their own brand.
For premium clients, paying for individual services is rarely the problem, which is why they value convenience. The harder part is deciding which provider to use, explaining what is needed, following up, and making several arrangements work together.
Perfect.Live covers travel, personal assistance, experiences, sourcing, and transportation across 127 countries. Its central idea is continuity: a client brings a request to one service instead of building a new network of providers for each situation.
Consider an executive combining a business trip with family travel. Flights are only one part of it. Transfers, accommodation, schedules, and family arrangements all need to fit together. The value of assistance is measured by how much of this coordination the client can hand over. For a financial platform, this offers a benefit customers can use in everyday life, not only on special occasions.
Financial companies can link access to personal assistance with their own account tiers. A bank might include it for clients who meet an asset threshold. A wealth platform could make it part of a premium relationship, while another partner might offer it as a paid membership.
This creates a proposition that can be tested: would a useful personal service encourage clients to consolidate more assets with one institution, or to maintain the balance required for a higher tier? The threshold should reflect each partner’s customers and economics. No single account size works across private banks, digital banks, and trading platforms.
In Laush’s model, retention is only one part of the commercial case. Additional assets, premium upgrades, and more frequent app use are other potential outcomes. Each should be measured against the cost of delivering the service. A pilot should compare eligible clients with a suitable control group and track balances, adoption, retention, and cost per active user.
The difficult part of a request often begins after the options have been found. Suppliers need to be contacted, availability verified, changes negotiated, and arrangements completed. The client needs someone to take responsibility for these steps.
Perfect.Live combines human execution with its own technology. The company describes an in-house platform with intelligent request routing and AI support for personalisation and coordination. Technology helps the team understand each request in context and send it to the right resources. People remain responsible for delivering the service.
This division matters when plans change. Take a late-night flight cancellation as an example. Recommending an alternative flight is helpful, but the client may also need to reschedule transfers, confirm hotel bookings, and reorganise the next day’s schedule. The quality of the service depends on completing that whole chain of work.
A financial institution does not need to recruit and manage a global personal-assistance operation to introduce the service. Perfect.Live offers an SDK for integration into a partner’s product, as well as customised and full white-label deployments. The partner decides the proposition, branding, and eligible audience, while Perfect.Live runs the service operation behind it.
According to the company, a defined launch using a ready deployment format can be delivered within a week. Deeper bank integrations, including payment connections, need a separately agreed technical scope and timeline. For partners, this means the service can launch quickly, while deeper integrations can follow later.
The same model can support corporate travel or a task-management environment for a wider range of company requests. A bank’s premium-client offer and an employer’s travel programme can therefore run on the same service infrastructure, with different access rules and workflows.
A service becomes less convenient if the client has to pay each supplier separately. Perfect.Live includes an internal wallet from which agreed services and purchases can be paid on the client’s behalf. Approving and funding a request can then be part of the same experience as arranging it.
For a bank or fintech partner, another possible integration is payment directly from the client’s balance with that institution. This is a deployment option that requires agreement on the payment connection and authorisation flow. It is not included in every partnership by default.
The proposition is also relevant to digital-asset platforms serving internationally mobile clients. These customers have the same travel and personal coordination needs. The opportunity is to offer assistance through their existing customer relationship, with available funding methods agreed for each deployment.
For most partners, the simplest first step is a defined launch in a ready deployment format. Choose the eligible audience and, where relevant, the asset threshold that fit your customers. Then run a pilot against a control group before considering deeper integrations.
Laush’s vision leaves financial businesses with a practical question: what would make a customer open the app when they have no banking or trading task to complete? A personal service can be that reason when it helps the customer get something done.
For Perfect.Live, the asset at the centre of the proposition is the client’s time. For its partners, the opportunity is to turn that value into a stronger customer relationship, with commercial results that can be tested. A service that consistently removes work from a client’s day has a clear place in a premium financial product.
See how Perfect.Live can work under your brand
It is a service that lets banks, brokers, and wealth platforms offer clients help with travel, family arrangements, sourcing, and other everyday requests through an existing app or customer relationship
Yes. Perfect.Live offers an SDK, as well as customised and full white-label deployments. The partner decides the branding, proposition, and eligible audience, while Perfect.Live runs the service behind it
A partner can launch within a week using a ready deployment format. Deeper integrations, such as payment connections, need their own technical scope and timeline, agreed separately
Run a pilot that compares eligible clients with a control group. Track balances, adoption, retention, and cost per active user, as well as premium upgrades and app use
No. AI supports request routing, personalisation, and coordination, but people remain responsible for delivering each request
