Activate and accelerate daily usage for new customers

The key to long-term portfolio health is to efficiently onboard new customers. With ever increasing customer acquisition costs, and millennial cardholders owning 3.2 credit cards,  you must get your customers to act and drive daily usage within the first 90 days.

Playbook overview

Portfolio opportunity

On average, only 1 out of 2 cards are activated and the ability to influence customers lifetime value (LTV) is 2x higher during the first 90 days vs. after 90 days.

LTV is up to 3x greater when customers become daily transactors in the first 90 days.

Playbook summary

Early month on book is a modular and dynamic toolset for driving payment preference and daily usage across the first 90-day journey. It guides and engages customers through key moments of activation, first transaction, digital wallet activation, daily usage, and product education.

Own the Payment Moment

ScheduLe a Portfolio assessment

Payments are 100% signal, no noise.

We provide an intuitive and powerful platform built on top of any payment feed. Enabling you to engage with your customers, multiple times a day, based on your customer’s real-time payment behavior.

Level up with Flow

As a portfolio manager, your job is to drive every month on book to earn previously untapped revenue. Flow delivers a full-service marketing engine, driving audience specific usage programs.

Assess your portfolio

To get started, we will conduct an in-depth discovery session with you, assess your audience, and create the right engagements to reach your targets.

How does it work?

A technology-first approach to payments and finance

At the payment moment

Flow sets the foundation that enables a payment transaction to trigger a payment notification and Flow's engagement mechanic from the issuer's mobile app.

Seamless Experience

Engagement mechanic selected by issuer from available moments, formatted to brand standards, and delivered in real time.

Secure for you and your customer

Merchant receipt is encrypted and archived, while receipt alert is sent to issuer to retrieve, decrypt, and present the receipt in the app.