Pulse turns cardholder transaction data into insight and action. Insights reveals how your portfolio is actually behaving. Nudge does something about it. Built for card-issuing banks and fintechs.
of issued cards never transact. Banks pay for activation but never recoup the cost. Every dormant card is foregone interchange revenue.
average card utilization across emerging markets. High-value spend, travel, dining, fuel, goes to a competitor card instead.
conversion from batch-and-blast campaigns. Irrelevant messages at the wrong time erode trust and accelerate churn.
Pulse turns your card transaction stream into a closed loop. Insights surfaces what's happening across your portfolio in real time. Nudge takes the targets it finds and turns them into personalised, measurable interventions. Use either standalone, or run them together for a full see-to-act cycle.
A real-time, decision-ready view of how your portfolio is actually behaving. Spend patterns, activation gaps, customer cohorts, channel migration. No SQL required.
An AI-powered intervention engine that picks the right campaign, message, and channel per customer. Holdout groups built in by default, so revenue lift is always real.
Sold standalone. Better together.
Pulse connects to your card processor or core banking system. Transaction history, product data, and channel signals are ingested daily. Six behavioural archetypes are computed automatically, then surfaced in the Insights dashboard.
Nudge selects the optimal campaign and message variant per customer, then routes to their highest-converting channel, SMS, push notification, in-app banner, email, or personalised offer.
Every campaign includes a holdout group to isolate true incrementality. Revenue attribution, conversion rates, and ROI flow back into Insights in real time, ready to inform the next nudge.
Conversion rate by channel · Horizon Bank · Last 30 days
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