Improve profitability through always on up-sell and cross-sell programs

The best retention tool is active cross-selling.

Customers have a variety of financial needs across their customer lifecycle. With declining branch visits and customer touchpoints decreasing every year, card payments are the key to creating awareness and unlocking overall banking value.

Playbook overview

Portfolio opportunity

By mapping the current customer portfolio and characteristics, we identify portfolio opportunities and products that are under-penetrated within existing customer segments. Allowing us to systematically grow deposits and loans through targeted reach.

Playbook summary

When you own the payment moment, you can use payments to land and expand into adjacent products.

By leveraging existing payment behavior signals, the Flow platform creates contextual upsell engagements, actively engaging to create awareness, personalize, contextualize and cross-sell whole of bank value.

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.