How It Works
- Choose the audience. Pick one or more traits, such as “has a savings account but no CD.”
- Automate Banking checks every user. On a schedule, each user’s traits are compared against your rule.
- Matching users are notified. The message is sent to the phone each user used most recently, and every send is recorded in a report. You can preview the list before anything is sent.
Use Cases at a Glance
Products
Which accounts a user holds, how many, and when they last used them.Promote New CD and Savings Rates
- Who: users who have a savings account but no CD
- Message: your new CD or high-yield savings rate
- Benefit: the offer reaches people already saving with you, who are most likely to act
- Traits used: Savings accounts, CDs
Open a Savings Account
- Who: checking customers without a savings account
- Message: an invitation to open one
- Benefit: a second account deepens the relationship and makes users less likely to leave
- Traits used: Basic checking accounts, Savings accounts
Holiday Club Reminder
- Who: holiday club savers
- Message: a payout reminder before the holidays, and an invitation to join next year’s club
- Benefit: keeps seasonal savers coming back each year
- Traits used: Holiday club savings accounts
HSA Open Enrollment
- Who: health savings account holders
- Message: a reminder during open enrollment to review their contributions
- Benefit: more contributions mean more deposits
- Traits used: Health savings accounts
Re-Activate Unused Cards
- Who: credit card holders who have not used their card in 90 days
- Message: a reason to use the card again, such as a rewards offer
- Benefit: inactive cards earn nothing. A timely nudge brings back usage
- Traits used: Credit cards, Credit card transaction date
Financial Insights
Q2’s view of income, deposits, spending, and loan payments.Set Up Direct Deposit
- Who: checking customers who do not appear to receive their paycheck with you
- Message: how to move their direct deposit
- Benefit: direct deposit makes you the user’s primary bank, the strongest driver of long-term deposits
- Traits used: Receives payroll, Basic checking accounts
Loan Payment Reminder
- Who: users with a loan payment due in the next seven days
- Message: a friendly payment reminder
- Benefit: fewer late payments and fewer calls to your contact center
- Traits used: Loan payment due within week
Support Unexpected Car Repairs
- Who: users whose car repair spending has suddenly jumped
- Message: a personal loan or line of credit offer
- Benefit: the offer arrives when the need is real, so it feels helpful rather than salesy
- Traits used: Spike in spending - auto repair expenses
Check In When Deposits Drop
- Who: users whose deposits are much lower than normal
- Message: budgeting tools or a chance to talk with your team
- Benefit: a drop in deposits is often the first sign that money is moving elsewhere
- Traits used: Deposit - unexpected activity, Deposit - activity score
Bring More of the Relationship Home
- Who: users who hold most of their money at other institutions
- Message: a reason to move it to you
- Benefit: these users already trust you — they just do most of their banking somewhere else
- Traits used: Share of Wallet
External Accounts (CPFM)
Accounts users hold at other institutions, based on what they have linked in digital banking.Win Back Deposits Held Elsewhere
- Who: users whose linked accounts at other institutions earn a lower rate than yours
- Message: how much more they could earn with you
- Benefit: you can see the money and give users a clear reason to bring it home
- Traits used: External Deposit Rates, Total balance of External savings accounts
Refinance an Auto Loan
- Who: users with an auto loan at another lender at a higher rate than yours
- Message: an invitation to refinance
- Benefit: a ready-made list of refinance leads, without a single cold call
- Traits used: External auto loans, External Loan Rates
Credit Card Balance Transfer
- Who: users carrying a credit card balance elsewhere at a high rate
- Message: your balance transfer offer
- Benefit: targets users who would save money by switching
- Traits used: External credit cards, External Credit Card Rates
Link Your Other Accounts
- Who: users who can link outside accounts but have not done it yet
- Message: how to see all their money in one place
- Benefit: once linked, users get a complete view — and you see the opportunities
- Traits used: CPFM - eligible to enroll, CPFM enrolled
Digital Banking Features
Which features a user is enrolled in or has set up.Enroll in Bill Pay
- Who: users who are eligible for Bill Pay but have not signed up
- Message: how easy it is to pay bills in one place
- Benefit: users who pay bills through you are far less likely to leave
- Traits used: Bill Pay - eligible to enroll, Bill Pay enrolled
Turn On Card Controls
- Who: debit card holders who have not turned on Card Controls
- Message: how to lock a lost card in seconds
- Benefit: fewer card replacement requests and more confident users
- Traits used: Debit cards, Card Controls enabled
Update Your Card Everywhere
- Who: users with a reissued card who have not registered it with CardSwap
- Message: how to update the card on their favorite sites in one step
- Benefit: the new card becomes the user’s go-to card everywhere they shop
- Traits used: CardSwap registered cards, Debit cards
Go Paperless
- Who: users still receiving paper statements
- Message: an invitation to switch to e-statements
- Benefit: lower printing and mailing costs
- Traits used: Users selected an e-statement preference
Finish Security Setup
- Who: users who have not set up where their Secure Access Code is sent
- Message: a reminder to complete setup
- Benefit: users can verify themselves faster, and support calls go down
- Traits used: Defined Secure Access Code (SAC) target missing in UUX
Digital Banking Activity
When and how users log in.Welcome New Users
- Who: users in their first week of digital banking
- Message: a welcome and the features most worth trying
- Benefit: users who find value early keep coming back
- Traits used: First login date
Download the Mobile App
- Who: users who only bank on a computer
- Message: an invitation to try the mobile app
- Benefit: mobile users log in more often and engage more with your offers
- Traits used: Desktop login, Mobile phone logins
Re-Engage Inactive Mobile Users
- Who: users who have not opened the mobile app in 60 days
- Message: a reason to come back, such as a new feature or offer
- Benefit: catches disengagement early, before the user drifts away
- Traits used: Mobile phone login date
Payments and Transfers
What users have actually done — deposits, transfers, ACH, and wires.Try Mobile Deposit
- Who: mobile app users who have never deposited a check from their phone
- Message: how to deposit a check in seconds
- Benefit: fewer branch visits and a better everyday experience
- Traits used: Mobile phone logins, Mobile remote deposit
Protect Business Payments
- Who: business users who send ACH or wire payments but have not set up Positive Pay
- Message: how Positive Pay stops fraudulent payments
- Benefit: the users at greatest risk of payment fraud learn about the tool that prevents it
- Traits used: ACH payment transactions, Domestic wire transactions, Centrix ETMS Positive Pay enabled
Q2 Goals
What users are saving for and how close they are.Fund a New Goal
- Who: users who created a savings goal but have not put money into it
- Message: a nudge to make the first deposit
- Benefit: turns an intention into a funded account
- Traits used: Q2 Goals - Unfunded Account
Home Buyers Close to Their Goal
- Who: users who are nearly done saving for a home
- Message: your mortgage offer
- Benefit: reaches future borrowers before they start shopping around
- Traits used: Q2 Goals - Home Purchase Category, Q2 Goals Percentage - Home Purchase Category
Car Buyers
- Who: users saving for a car
- Message: your auto loan rates
- Benefit: puts your loan in front of the buyer before the dealership does
- Traits used: Q2 Goals - Automobile Category
Try Savings Goals
- Who: users who are eligible for Q2 Goals but have not set one up
- Message: an invitation to create their first goal
- Benefit: users with goals save more and log in more often
- Traits used: Q2 Goals - eligible to enroll, Q2 Goals enrolled
Alerts and Notifications
Which alerts users receive.Turn On Account Alerts
- Who: users with no account alerts set up
- Message: how balance and transaction alerts keep their account safe
- Benefit: users spot suspicious activity sooner, which reduces fraud losses
- Traits used: Alerts enrolled
Avoid Overdraft Fees
- Who: users without insufficient funds alerts
- Message: how the alert helps them avoid overdrafts
- Benefit: fewer surprise fees and happier users
- Traits used: Insufficient Funds alerts enrolled
User Profile and Classification
Age, location, language, and whether the user is a consumer or business.Speak the User’s Language
- Who: users who prefer Spanish, Portuguese, or Chinese
- Message: any campaign, in their preferred language
- Benefit: messages in a user’s own language are read and acted on more often
- Traits used: Preferred language
Scam Awareness for Older Users
- Who: users aged 65 and over
- Message: fraud education tips
- Benefit: protects the users most often targeted by scams
- Traits used: User’s age
Local Events and Disaster Relief
- Who: users in a specific state or ZIP Code
- Message: a branch opening, a community event, or relief options after a storm
- Benefit: only affected users are contacted, so the message stays relevant
- Traits used: Home Address - State, ZIP Code
Business Offers
- Who: users classified as small business or commercial
- Message: business products and offers
- Benefit: consumers are not bothered by business offers, and businesses see products built for them
- Traits used: Small business users, Commercial users
Good to Know
- App required. Push notifications only reach users who have the mobile app and allow notifications. To reach other users, add an email to the same automation.
- Open the right screen. A notification can open the app directly on a specific screen, such as transfers or account details. See Push Notifications & Deep Linking.
- Combine traits. For example, send a CD rate offer only to Spanish-speaking savings customers in Texas.
- Availability varies. Not every trait is enabled at every institution. Your Q2 Customer Experience Manager can confirm which ones you have.
- Learn more. See Supported Traits for the full list, Move Group Use Cases for group move ideas, or Targeted Ads Use Cases for in-app ads.