> ## Documentation Index > Fetch the complete documentation index at: https://docs.nuevesolutions.com/llms.txt > Use this file to discover all available pages before exploring further. # Push Notifications A push notification appears on a user's phone within seconds. Q2 SMART traits make sure each message reaches **the users it is relevant to**, instead of every user — based on the products they hold, the features they use, and how their banking activity is changing. This page shows how traits can be used with the **Send Push Notification** action in Automate Banking. ## How It Works 1. **Choose the audience.** Pick one or more traits, such as "has a savings account but no CD." 2. **Automate Banking checks every user.** On a schedule, each user's traits are compared against your rule. 3. **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 | Trait category | Use cases | | - | - | | Products | Promote new CD and savings rates · Open a savings account · Holiday club reminder · HSA open enrollment · Re-activate unused cards | | Financial Insights | Set up direct deposit · Loan payment reminder · Support unexpected car repairs · Check in when deposits drop · Bring more of the relationship home | | External Accounts (CPFM) | Win back deposits held elsewhere · Refinance an auto loan · Credit card balance transfer · Link your other accounts | | Digital Banking Features | Enroll in Bill Pay · Turn on Card Controls · Update your card everywhere · Go paperless · Finish security setup | | Digital Banking Activity | Welcome new users · Download the mobile app · Re-engage inactive mobile users | | Payments and Transfers | Try mobile deposit · Protect business payments | | Q2 Goals | Fund a new goal · Home buyers close to their goal · Car buyers · Try savings goals | | Alerts and Notifications | Turn on account alerts · Avoid overdraft fees | | User Profile and Classification | Speak the user's language · Scam awareness for older users · Local events and disaster relief · Business offers | ## 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](https://docs.nuevesolutions.com/guides/products/automate-banking/reference/push-notifications.md). * **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](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/supported-traits.md) for the full list, [Move Group Use Cases](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/use-cases/move-group.md) for group move ideas, or [Targeted Ads Use Cases](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/use-cases/targeted-ads.md) for in-app ads. Have a campaign in mind that is not listed here? Contact us at [hello@nuevesolutions.com](mailto:hello@nuevesolutions.com). This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.