Pulse brings together a rare mix of expertise, behavioural scientists who understand why people make decisions, data scientists who can detect patterns at scale, and payments veterans who know how card portfolios actually work.
Card issuers sit on vast repositories of behavioural data. Most of it goes unused. We built Pulse to close that gap, turning transaction signals into personalised interventions that grow revenue for banks and deliver genuine value to cardholders.
Pulse is built by a team that sits at the intersection of data science, behavioural research, and payments. Each discipline shapes a different layer of the platform, and together they make the system work.
Our data science team builds the engine behind Pulse's segmentation and nudge selection. They design the ML models that process millions of transactions daily, detect behavioural patterns, and compute the six customer archetypes that power every campaign. The team brings experience from fraud detection systems, algorithmic trading, and mobile money platforms across Africa and Asia. Their work ensures that Pulse's recommendations are fast, accurate, and continuously improving with every new data cycle.
Our behavioural science team determines what to say, when to say it, and how to frame it. They draw on academic research in decision science, incentive design, and nudge theory to craft interventions that feel relevant rather than intrusive. The team designs Pulse's A/B testing frameworks, calibrates messaging for different consumer segments across emerging markets, and translates research insights into the campaign logic and channel sequencing rules that make each nudge effective.
Our payments team brings decades of experience in card issuing, interchange economics, and portfolio management across Africa, the Middle East, and Southeast Asia. They understand how banks actually operate, from core banking integrations and scheme rules to the commercial realities of card portfolio growth. This expertise ensures that Pulse integrates seamlessly into existing banking infrastructure and that every recommendation is commercially sound, not just statistically interesting.
Every campaign we design is grounded in peer-reviewed behavioural research, not gut feel. We hold our own interventions to the same rigour.
Every campaign is compared against a holdout group. If a nudge doesn't move the number, it doesn't run again. Revenue attribution is non-negotiable.
Our models are trained on data from Africa, the Middle East, and Southeast Asia, not retrofitted from Western markets. Context matters enormously in behaviour.
A nudge that irritates a cardholder is a nudge that fails. We optimise for relevance as hard as we optimise for conversion, because long-term loyalty is the real prize.
If you're a data scientist, behavioural researcher, or payments specialist excited about this problem, we'd like to hear from you.
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