Nudge is the action layer of Pulse, an AI-powered intervention engine that activates dormant cards, grows utilization, and reduces churn at scale. Pairs natively with Insights for a closed loop from observation to outcome.
Pulse doesn't rely on demographics or manual tagging. It reads actual spend behaviour, where, when, how much, and how often, and assigns every cardholder to the segment that determines their next best action.
Received a card but never transacted. Every day inactive reduces probability of ever activating. First Use Activation campaign targets this segment with a time-limited cashback offer.
Active but spending well below credit limit. High-value spend goes to a competitor card. Utilization Boost and Category Capture campaigns target this segment with milestone rewards.
Use your card for everyday spend but a competitor card for travel, dining, or fuel. MCC-level transaction data identifies exactly which categories you're losing, and Category Capture wins them back.
Showing early delinquency signals or consistently paying only the minimum balance. Proactive Payment Behaviour nudges reduce charge-off rates without requiring a financial offer, zero cost, high impact.
Not using card benefits they're entitled to, contactless, instalment conversion, lounge access, travel insurance. Feature Adoption nudges delivered contextually at the point of relevance.
Consistent high-spend, strong repayment records. Prime candidates for product upgrade, and the most valuable customers to retain. Product Upgrade and Retention campaigns target this segment.
Pre-built campaign templates mapped to each behavioural segment. Configure once, then Pulse handles targeting, personalisation, delivery, and measurement automatically.
Pulse is designed to work with the infrastructure your bank already has. No rip-and-replace, no multi-month integration projects.
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.
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.
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.
Already running Snowflake, BigQuery, or a BI layer? Pulse can query your existing data warehouse directly, eliminating any duplication of data pipelines.
Nudge and Insights run on the same data engine. Every campaign you launch in Nudge is automatically attributed in Insights, with cohort-level behaviour, channel migration, and category share visible in real time. Run them together for a closed loop from observation to outcome.
Pulse picks the message variant, the channel, and the offer per customer. Holdout group included by default.
Spend Analytics shows category-level revenue uplift against the holdout. Customer Explorer shows which cardholders responded, and which need a different nudge next.
We'll run a complimentary segmentation analysis on a sample of your transaction data, before you sign anything.
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