> ## 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. # Targeted Ads Q2 SMART shows ads, such as banners and offers, to users inside digital banking. An ad only works if it is shown to **the right users** — and stops showing once they have acted on it. Automate Banking keeps those audiences accurate for you, automatically. This page shows how Q2 SMART traits can be combined with the **Set User Trait** action in Automate Banking to power targeted ads. ## How It Works 1. **Choose the rule.** Pick the traits that describe who should see the ad, such as "saves with us, but has no CD." 2. **Automate Banking flags matching users.** On a schedule, users who match are marked with a custom trait, such as "CD prospect." 3. **Marketing builds the audience once.** In Q2 SMART, your team creates an audience from that flag and attaches the ad. 4. **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 | Without Automate Banking | With Automate Banking | | - | - | | Marketing rebuilds complex audiences by hand for each campaign | Complex rules are turned into one simple flag that any campaign can use | | Users keep seeing an ad after they already opened the product | The flag is removed once a user converts, so the ad stops | | Audiences go stale between campaigns | Audiences refresh on every run | | Every report shows a different list | Every flag change is recorded in a run report | ## Use Cases at a Glance | Goal | Use cases | | - | - | | Grow deposits | CD rate offer · Bring savings home · Switch your direct deposit · Save for education | | Grow lending | First-time home buyers · Home equity line of credit · Auto loan refinance · Credit card balance transfer · Student loan refinance | | Grow business banking | Business checking for side businesses · Payroll services · Positive Pay | | Wealth and protection | Retirement planning · Investment services · Auto insurance | | Digital adoption | Get the mobile app · Enroll in Bill Pay · New user welcome | | Keep ads appropriate | Ads in the user's language · Suppression list | ## 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](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/overview.md). * **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, or [Push Notification Use Cases](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/use-cases/push-notifications.md) to reach users on their phones. 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.