INSIGHTS

See your portfolio.
In real time, in one place.

Insights is the analytics layer of Pulse, an always-on view of how your card portfolio is actually behaving. Spend patterns, activation gaps, customer cohorts, channel migration. Decision-ready intelligence, no SQL required.

Every signal in your portfolio, surfaced and explained

Insights reads the same transaction stream that powers Nudge, then turns it into a dashboard your team can actually use. No data warehouse build. No analyst backlog. Live numbers, the moment a transaction settles.

Spend Analytics
Sample issuer · Last 90 days · 336,651 transactions
30d 60d 90d 180d
TOTAL SPEND
GHS 295.12M
Last 90 days
TRANSACTIONS
336.7K
Avg GHS 877 per txn
TOP CATEGORY
Electronics
39.5% of spend · GHS 116.56M
TOP CHANNEL
POS
34% of spend · GHS 100.30M
Spend by Category
Transaction volume by merchant category
Electronics
Travel
Department Stores
Online Shopping
Financial Services
Dining
Groceries
Fuel
Category Share
% of total spend
Electronics 39.5%
Travel 17.6%
Online 12.9%
Dining 8.0%

Illustrative dashboard · Real numbers shown to issuers running Insights on their own portfolio

Four ways to read your portfolio

Every Insights deployment ships with the same four modules. Each one answers a question your team is already asking, just faster, with cleaner data, and without an analyst in the loop.

SA

Spend Analytics

Total spend, transaction count, average ticket, and category mix, sliced by product, segment, channel, and time window. The portfolio dashboard your COO refreshes every Monday.

CM

Channel Migration

How spend is moving between POS, online, ATM, and contactless. Spot the shift to e-commerce before competitors do, and quantify what each channel is worth in interchange.

CE

Customer Explorer

Per-cardholder behavioural profile, with signals, segment, lifecycle stage, and recommended next action. Search any card, get the full story in one screen.

RP

Reports

Scheduled, exportable views for executive committees, regulators, and finance. CSV, Excel, and PDF, on the cadence you need. Stop rebuilding the same deck every month.

The questions issuers ask. Now in one click.

Where am I losing share to a competitor card?
MCC-level spend reveals exactly which categories your cardholders are putting on someone else's card, and which segments are doing it.
Which cohorts are activating in week one vs. month three?
Cohort retention curves by issue month, channel, and product. Spot which acquisition flows produce active cardholders, and which produce dormant plastic.
Why is POS share dropping among my premium cardholders?
Channel migration pivoted by segment and product tier. Find the leak before it shows up in interchange revenue.
What categories are growing fastest in my portfolio this quarter?
Trend deltas across all 22 MCC groups, ranked by growth and revenue contribution. Build product strategy on what's actually happening.
How does my portfolio compare to last quarter, last year?
Side-by-side period comparisons on every metric, with significance flags. No more "is this seasonality or a real shift?"
Who are my top 1,000 cardholders, and what do they have in common?
Customer Explorer ranks by spend, profitability, or activity, then auto-clusters the top tier by behavioural pattern.

Insights tells you what. Nudge does something about it.

Insights and Nudge run on the same data engine. Anything you find in Insights becomes a one-click campaign target in Nudge, no exports, no CSVs, no email-the-analyst.

INSIGHTS

14,000 cardholders dropped Electronics spend by 40% this quarter.

Customer Explorer surfaces them as a cohort, with MCC-level history and last-transaction date. You see the pattern in seconds.

NUDGE

One click sends them to a Category Capture campaign.

Pulse picks the message variant, the channel, and the offer per customer. Holdout group included by default. Revenue measured against the holdout in real time.

Insights is sold standalone, or paired with Nudge for a closed loop from observation to outcome.

Same connectors. Same setup. Live in days.

Insights uses the same data plumbing as the rest of Pulse, so most issuers are reading their own dashboard within two weeks of kickoff. No rip-and-replace, no multi-month integration project.

API

Card Processor APIs

Real-time transaction feeds via Visa, Mastercard, Interswitch, GhIPSS, and other regional processors. Pulse handles the connection, your team doesn't write a line of code.

CBS

Core Banking Systems

Pre-built connectors for Temenos, Mambu, Finacle, and T24. Batch or real-time ingestion supported. Compatible with the most common systems across Africa and Asia.

FTP

Batch File Ingestion

Not ready for API connectivity? Pulse accepts daily SFTP file feeds. Most banks are live within two weeks using this path, with zero engineering lift on your side.

DWH

Data Warehouse

Already running Snowflake, BigQuery, or a BI layer? Pulse can query your existing data warehouse directly, eliminating any duplication of data pipelines.

Insights and Nudge share one data engine. Onboard once and both products go live together, or start with Insights and add Nudge later. Either path, no second integration project.
SEE YOUR PORTFOLIO

Ready to see your own dashboard?

We'll run a complimentary spend analysis on a sample of your transaction data and walk you through the live Insights dashboard, before you sign anything.

Book a Demo

Not ready? Watch the 3-minute walkthrough →