Skyrocket Account Holder Product and Usage Growth
Opportunities Engine™
The only comprehensive digital engagement platform created for community financial institutions.
Deliver the Right Message, at the Right Time, Through the Right Channel
Here’s the magic behind the moments. Pulsate’s Opportunities Engine ingests your customer data, then continuously identifies the next best actions to drive growth. From smart segmentation to real-time recommendations, delivery, and retargeting – it’s a full-loop system designed to capture attention, convert intent, and never let a good opportunity go to waste.
- Maximize existing product utilization
- Drive product growth per account holder
- Create trusting, loyal, and engaged account holders
- Lower expenses while boosting performance
Reach Your Account Holders Where They Are
Push Notifications
Deliver timely, personalized messages that your account holders can’t miss. From product offers to fraud alerts, push notifications achieve a response rate 7.5x higher than email, ensuring your outreach is seen quickly.
In-app Notifications
Keep consumers informed the moment they log into their mobile banking app. Whether it’s a reminder about an incomplete action or a special offer, in-app notifications seamlessly integrate with the Pulsate Feed and boast the highest likelihood of being read among all message types.
Scrollable Feed
Turn your mobile app into a dynamic hub for engagement – like a personalized website or social media feed built right into each user’s app, where they’re sure to see it. A scrollable, always-on feed displays relevant offers, financial tips, and updates tailored to each account holder’s needs and behavior.
Retargeting
Never miss a second chance to connect. Pulsate’s retargeting capabilities allow you to re-engage consumers based on their interactions, ensuring they stay informed and supported throughout their financial journey.
Online Banking
Deliver timely, personalized messages that your account holders can’t miss. From product offers to fraud alerts, push notifications achieve a response rate 7.5x higher than email, ensuring your outreach is seen quickly.
Reporting
Our reporting provides your team a crystal-clear view of how your digital engagement efforts are performing. Whether you’re measuring loan conversion, deposit growth, or channel effectiveness, you’ll see which campaigns are driving action and where there’s room to improve. Plus, you’ll get access to 1-click campaigns for your hottest opportunities and most at-risk segments.
Provide Meaningful Consumer Experiences with Better Data
Pulsate’s platform harnesses the power of data to deliver highly targeted, personalized communications that resonate with consumers:
Behavioral
Understand consumer actions to deliver offers and intent-based insights that match their habits and preferences.
Geofencing
Leverage location-based insights to send relevant messages when account holders are near a branch or local merchant.
Demographic
Tailor communications based on consumer demographics, ensuring relevance and increasing engagement.
Actionable Insights
Pulsate’s actionable insights take it further by analyzing insights to help your team identify consumer needs, retarget with precision, and guide them to the next best action.
Ready to convert your mobile engagements into real results?
Try Opportunities Engines for yourself.
Explore. Gain Insight.
FAQs
What is behavioral targeting for banks and credit unions?
Behavioral targeting uses insights from how members interact with your website or digital channels — such as browsing rates, starting applications, or frequently checking loan options. This allows you to deliver personalized messages and offers to increase engagement and conversions.
How does demographic targeting work in financial marketing?
Demographic targeting segments your audience based on factors like age, income, life stage, or occupation. By aligning your content and campaigns with these demographics, you can deliver more relevant experiences that resonate with account holders.
What is geofencing and how can it benefit community financial institutions?
Geofencing creates virtual boundaries around specific locations, such as branch offices, local merchants or car dealers. When account holders enter these areas, you can deliver targeted, location-based promotions and offers, increasing local engagement and foot traffic.
How can behavioral, demographic, and geolocation data improve digital marketing?
Combining these data points helps you understand your account holders more deeply and create campaigns that match their needs and preferences,. The result is more effective targeting, better engagement, and higher conversion rates.
How do I get started with behavioral targeting and segmentation for my bank or credit union?
Start by gathering data from your digital channels and account holder interactions. Define audience segments based on behavior, demographics, and location. Then, implement custom or preconfigured targeted campaigns using automated workflows and
How does AI enhance targeting and segmentation?
AI analyzes all permitted data to automatically optimize campaigns for better engagement and results.
What is the Opportunity Engine 2.0?
Opportunity Engine 2.0 is Pulsate’s upgraded AI-powered insights and execution platform designed to help credit unions and community banks identify, launch, and optimize campaigns faster. It transforms account holder engagement data into instant, actionable
How is Opportunity Engine 2.0 different from the previous version?
The new version introduces a redesigned performance dashboard, AI-powered campaign content, smarter learning algorithms, and integrated benchmarks. It’s not just analytics — it’s a co-pilot that helps you act on what matters most, instantly.
What kind of data can I view in the new Opportunities Engine dashboard?
You can track key engagement metrics at a glance — CTR, engagement score, new active users, and total active users. Each metric updates dynamically, giving you a real-time pulse on account holder growth and campaign impact.
How do the enhanced dashboards help me make faster decisions?
With redesigned visuals, dynamic dials, and flexible timeframes (weekly, 30-, 60-, 90-day views), Opportunities Engine 2.0 lets you identify what’s working, what’s lagging, and where to focus your next campaign, all in seconds.
How does the AI co-pilot work?
The AI co-pilot analyzes engagement patterns across campaigns to recommend optimized targeting, timing, and messaging. It also generates campaign-ready images, headlines, and content — helping you launch faster without creative roadblocks.
What are “self-learning campaigns”?
Each campaign continuously improves based on previous performance. The AI engine refines your audience segmentation, message timing, and creative suggestions to boost results automatically.
How does Opportunities Engine help revive underperforming campaigns?
The new Re-Engagement Rescue feature detects declining performance early and suggests proven strategies — such as retargeting, message optimization, or timing adjustments — to recapture audience attention.
Can I launch campaigns directly from Opportunities Engine 2.0?
Yes. Each “opportunity tile” now includes creative assets, suggested messaging, and content tailored to the data insight — allowing you to go from “idea” to “live campaign” in moments.
What integrations are supported?
Opportunities Engine 2.0 connects with leading tools like HubSpot, Salesforce, and other CRMs via API or SFTP, making it easy to synchronize insights and campaigns with your existing workflow.
How will Opportunities Engine 2.0 improve our marketing performance?
The platform doesn’t just show data — it connects insights to outcomes. You’ll see measurable improvements in engagement rates, cross-sell success, and account holder activation while reducing manual effort.
Can we visualize campaign performance over time?
Absolutely. The enhanced visualization tools help you compare campaign trends over weeks or months, spot growth opportunities, and monitor how engagement evolves with each optimization cycle.
How quickly can teams see results after implementation?
Most financial institutions start seeing measurable insights within days and engagement improvements within the first few campaign cycles, thanks to self-learning optimization and instant dashboard visibility.
Is Opportunities Engine 2.0 secure and compliant for financial institutions?
Yes. Pulsate adheres to strict financial industry standards, ensuring all integrations, uploads, and analytics are protected under ISO 27001 certification.
What kind of support is available for setup and ongoing optimization?
Pulsate provides hands-on onboarding, data integration support, and continuous customer success guidance to help your marketing and digital teams maximize the power of Opportunities Engine 2.0.
What new insights does Opportunities Engine 2.0 provide?
OE 2.0 gives instant visibility into key KPIs like CTR, engagement score, new active users, total active users, best performing channels, and best performing campaigns. Its redesigned dashboards make it easier to see how campaigns impact member activity and
How do the new dashboards improve campaign analysis?
The redesigned dashboards feature enhanced visualizations — graphs and dials that compare performance over weekly, 30-, 60-, and 90-day periods — making it easier to identify patterns and act quickly.
What do the AI-powered Opportunities Tiles do?
Each tile now goes beyond basic recommendations, generating suggested campaign headlines, images, and content so teams can move from insight to execution faster.
How does the AI in Opportunities Engine 2.0 assist marketing and digital teams?
The AI co-pilot automatically recommends campaign ideas, content, and visuals based on engagement data. It also benchmarks performance against industry data to identify new opportunities.
Can Opportunities Engine 2.0 help revive underperforming campaigns?
Yes. The system identifies campaigns with low engagement and generates re-engagement ideas, helping you recover dormant account holders or campaigns.
How does Opportunities Engine 2.0 help credit unions and banks operate more efficiently?
OE 2.0 functions like an embedded business analyst — automating data analysis, surfacing insights, and suggesting next steps. This reduces manual work and lets teams focus on strategy and engagement.
How does Opportunities Engine 2.0 expand team capacity without adding headcount?
By combining automation, data analysis, and AI recommendations, OE 2.0 handles much of the analytical and campaign-planning workload. Teams gain the impact of additional analysts without increased staffing costs.
What makes Opportunities Engine 2.0 different from traditional analytics tools?
Unlike standard dashboards, OE 2.0 interprets data for you — highlighting patterns, recommending next actions, and generating campaign assets, so your team spends less time on analysis and more on impact and results.
What are “push” engagements, and why do they matter for financial institutions?
Push engagements are real-time, mobile notifications that reach account holders directly within their digital banking experience. For credit unions and community banks, they’re the most effective way to deliver timely, personalized messages — whether it’s a loan offer, fraud alert, or card rewards — driving 3–5x higher engagement than traditional email.
How can push notifications improve cross-sell and upsell performance?
Push campaigns use behavioral, transactional, and geolocation data to identify the right account holders for the right product at the right time. For example, an account holder who is at a car dealership for 10 minutes receives an auto loan offer the moment they need it -- turning everyday digital interactions into revenue opportunities.
Can push messages be personalized for each account holder?
Absolutely. Pulsate’s Opportunities Engine provides suggested campaigns and segments for all digital channels, including push notifications, using real-time data such as account activity, location, and lifecycle stage. The result is hyper-relevant 1:1 messaging that feels more like a conversation than a campaign.
How does Pulsate integrate push with other engagement channels?
Push is part of a unified journey orchestration system. Pulsate coordinates push, in-app, email, and feed messages from a single platform — ensuring consistent, contextual communication across every account holder touchpoint while maximizing engagement and ROI.