Pulse is the AI-powered nudge engine for card-issuing banks and fintechs. Personalised interventions that activate dormant cards, grow utilization, and reduce churn, at scale.
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 analyses transaction history, lifecycle stage, and channel preference, then automatically delivers the right nudge to the right customer at the right moment.
6 customer archetypes auto-detected from daily transaction data. No manual tagging required.
8 campaign types across 5 delivery channels, personalised per customer and routed to the highest-converting channel.
Real-time interchange attribution and ROI tracking. Every campaign measured against a holdout group.
Per-customer behavioural profiles, signals, and next-best-action recommendations in a single view.
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, no manual setup.
The nudge engine 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 are visible in real time on the Pulse dashboard.
Conversion rate by channel · Horizon Bank · Last 30 days
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