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
Book a 30-minute demo and we'll show you exactly what your cardholder segmentation looks like — before you sign anything.
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