> ## 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.

# Introduction

Refer a Friend is a fully automated referral program that helps financial institutions grow deposits by turning existing account holders into advocates. The platform handles everything from invitation through reward distribution — no manual tracking or staff follow-up required.

## How It Works

Account holders share a personal referral link or code via email, text, or social media. When a referred person signs up and completes the qualifying activity, the system automatically tracks their progress and dispenses the reward.

The qualifying activity is fully configurable — common triggers include:

* Opening a specific account type
* Completing a minimum number of debit card transactions per month
* Meeting a deposit threshold
* Any other custom-defined criteria

## Campaign Types

**New relationship**
Rewards both the referrer and the new customer for bringing in a brand-new banking relationship.

**New product**
Rewards only the new customer for opening an additional account type with the institution.

## Key Features

**Automated reward dispensation**
A daily job checks qualifying activity and issues rewards automatically, with no manual intervention needed.

**Self-service progress tracking**
Referred users can monitor their own progress toward the reward from within online banking.

**Gamification**
Dynamic banners and referral count displays keep existing customers engaged and motivated to refer more.

**Back-office management**
Full control through Q2 Central/Console, including reporting, manual payout overrides, and campaign configuration.

**Compliance built in**
Terms acceptance checkboxes are included in the referral flow out of the box.

## Who It's For

Refer a Friend is built for banks and credit unions that want to grow deposits and new relationships through word-of-mouth — without adding operational overhead or running manual campaigns.

## Business Impact

| Outcome          | What to Expect                                                              |
| ---------------- | --------------------------------------------------------------------------- |
| Deposit growth   | New relationships and account openings driven by existing customers         |
| Acquisition cost | Lower cost per acquisition compared to paid marketing channels              |
| Engagement       | Gamification keeps referrers active and motivated throughout the campaign   |
| Operations       | Zero manual tracking — rewards are calculated and distributed automatically |

## How It's Delivered

Refer a Friend is available on the **Q2 Marketplace** and integrates directly with Q2 Central/Console for back-office management. Configuration covers campaign type, qualifying activity rules, reward amounts, messaging, and disclosures.