How It Works
- Choose the rule. Pick the traits that describe who should see the ad, such as “saves with us, but has no CD.”
- Automate Banking flags matching users. On a schedule, users who match are marked with a custom trait, such as “CD prospect.”
- Marketing builds the audience once. In Q2 SMART, your team creates an audience from that flag and attaches the ad.
- The audience stays up to date. Every run adds new users who qualify. A second automation can remove the flag once a user has acted, so the ad stops showing.
Why Use Automate Banking for Ads
Use Cases at a Glance
Grow Deposits
CD Rate Offer
- Who: users with a savings account but no CD, who have steady income coming in
- Ad shown: your current CD rate, with a button to open one
- Benefit: the offer reaches savers ready to lock in a rate, instead of every user
- Traits used: Savings accounts, CDs, Receives payroll
Bring Savings Home
- Who: users with large savings balances at other institutions earning a lower rate than yours
- Ad shown: a side-by-side rate comparison
- Benefit: targets real money already sitting elsewhere
- Traits used: Total balance of External savings accounts, External Deposit Rates, Share of Wallet
Switch Your Direct Deposit
- Who: checking customers who do not appear to receive their paycheck with you
- Ad shown: how to switch direct deposit in a few taps
- Benefit: direct deposit turns a secondary account into a primary relationship
- Traits used: Basic checking accounts, Receives payroll
Save for Education
- Who: users saving toward a child or education goal who do not have an education savings account
- Ad shown: your education savings or 529 options
- Benefit: connects a goal the user already set with the product built for it
- Traits used: Q2 Goals - Education Category, Q2 Goals - Children Category, Education savings accounts
Grow Lending
First-Time Home Buyers
- Who: users who are more than 75% of the way to a home purchase goal and do not have a real estate loan
- Ad shown: your mortgage offer and a pre-qualification link
- Benefit: reaches buyers before they start shopping for a lender
- Traits used: Q2 Goals - Home Purchase Category, Q2 Goals Percentage - Home Purchase Category, Real estate loans
Home Equity Line of Credit
- Who: homeowners with a mortgage but no home equity line, especially those saving for home improvements
- Ad shown: your HELOC offer
- Benefit: a well-qualified audience for one of your most valuable loan products
- Traits used: Real estate loans, Home equity lines of credit (HELOC), Q2 Goals - Home Improvement Category
Auto Loan Refinance
- Who: users with an auto loan at another lender at a higher rate than yours
- Ad shown: an estimate of what they could save by refinancing
- Benefit: a steady stream of refinance leads, with no cold calls
- Traits used: External auto loans, External Loan Rates
Credit Card Balance Transfer
- Who: users carrying a high-rate credit card balance elsewhere who do not have your card
- Ad shown: your balance transfer offer
- Benefit: targets users who would clearly save money by switching
- Traits used: External credit cards, External Credit Card Rates, Credit cards
Student Loan Refinance
- Who: users with student loans at other lenders
- Ad shown: your student loan refinance offer
- Benefit: reaches young professionals early in the relationship
- Traits used: External student loans, Total balance of External student loans
Grow Business Banking
Business Checking for Side Businesses
- Who: users whom Q2 identifies as a microbusiness but who have no business checking account
- Ad shown: the benefits of separating business and personal money
- Benefit: wins business relationships that are currently hidden in personal accounts
- Traits used: Microbusiness users, Small business checking accounts
Payroll Services
- Who: small business users who do not yet run ACH payroll
- Ad shown: your payroll and ACH services
- Benefit: helps growing businesses take the next step with you
- Traits used: Small business users, Processed ACH payroll
Positive Pay
- Who: business users who send ACH or wire payments without Positive Pay
- Ad shown: how Positive Pay stops check and ACH fraud
- Benefit: puts fraud protection in front of the businesses most at risk
- Traits used: ACH payment transactions, Domestic wire transactions, Centrix ETMS Positive Pay enabled
Wealth and Protection
Retirement Planning
- Who: users aged 50 and over with no IRA
- Ad shown: retirement accounts and a link to book time with an advisor
- Benefit: reaches users at the age when retirement planning matters most
- Traits used: User’s age, Traditional IRAs, Roth IRAs
Investment Services
- Who: users who hold investment or brokerage accounts at other institutions
- Ad shown: your investment services and advisor team
- Benefit: shows wealth services to users who already invest
- Traits used: External investment accounts, External brokerage accounts, Brokerage accounts
Auto Insurance
- Who: users with a new auto loan who do not have an insurance product with you
- Ad shown: auto insurance or GAP coverage
- Benefit: a timely add-on right after a car purchase
- Traits used: New auto loans, Insurance products
Digital Adoption
Get the Mobile App
- Who: users who only bank on a computer
- Ad shown: a banner in online banking with a link to download the app
- Benefit: reaches users that push notifications cannot, because they do not have the app yet
- Traits used: Desktop login, Mobile phone logins
Enroll in Bill Pay
- Who: users who are eligible for Bill Pay but have not enrolled
- Ad shown: how easy it is to pay every bill 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
New User Welcome
- Who: users in their first 30 days of digital banking
- Ad shown: a welcome series highlighting key features, such as mobile deposit and alerts
- Benefit: helps new users find value early, so they keep coming back
- Traits used: First login date
Keep Ads Appropriate
Ads in the User’s Language
- Who: users who prefer Spanish, Portuguese, or Chinese
- Ad shown: the translated version of any campaign
- Benefit: ads in a user’s own language get more attention and more responses
- Traits used: Preferred language
Suppression List
- Who: users with a charge-off or a deleted profile
- Ad shown: none — these users are flagged so they are left out of sales campaigns
- Benefit: avoids promoting new credit to users in collections and keeps campaigns compliant
- Traits used: Charge-offs, has deleted date
Good to Know
- Stop the ad after a conversion. Pair each campaign with a second automation that removes the flag once the user has the product. For example, remove “CD prospect” from users who now hold a CD.
- Combine traits. For example, show the mortgage ad only to Spanish-speaking users who are close to their home goal.
- Custom traits are set up for your institution. Automate Banking writes to custom traits only — the traits Q2 calculates cannot be changed. See the Q2 SMART Overview.
- 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, or Push Notification Use Cases to reach users on their phones.