THE OPERATING SYSTEM FOR CUSTOMER MOMENTS

Own the moment.

Activate the products nobody sees.

One AI-native engagement layer across your entire stack.
Built for financial institutions. Live in weeks.

+8% incremental transactions, causally measured · 27-day average payback
· 107+ financial institutions in production

See how it works →

THE OPERATING SYSTEM FOR CUSTOMER MOMENTS

Own the moment.

Activate the products nobody sees.

One AI-native engagement layer across your entire stack.
Built for financial institutions. Live in weeks.

+8% incremental transactions, causally measured · 27-day average payback
· 107+ financial institutions in production

See how it works →

THE GAP

Primacy earns $605 a year.

Without it -$325and falling.

The cost is not churn.

It is indifference.

Nobody is leaving. They are just not deepening. Every product that stays silent is a product the competitor surfaces instead.

Every transaction without a response is revenue given away. Primacy compounds — and so does its absence.

See what building primacy looks like

01 · ACQUIRE · THE SWITCH

35% of cards are non-primary. Each one is a $305/year primacy gap.

You built 12 products. Two get used. The rest are invisible.

Every transaction is a moment your products could show up. Right now, they do not. The rewards nobody sees. The activation that never happens. The cross-sell that arrives three days too late.

Flow makes every product visible, personal, and immediate. Here is what that looks like.

Measured, not promised

+8.0%

Treatment
+$6.05
Control
+$3.25

Incremental transactions vs. holdout.

Live · Holdout-measured · P<0.01 · N=2,108,402

107

Financial institutions
on one network

107 peers onlineSyncing

100M+

Moments programmed
every month

Apr · Trailing 30D

$2.4B

In real-time
decisioning signal

MTD · Velocity ↑

Nothing new to build. Everything new to gain.

Flow is not another marketing tool. It is the real-time engagement layer that makes your existing products visible, personal, and provable. Four layers of intelligence, the instant a transaction happens. No batch campaigns. No demographic segments. Configuration, not development. Submit a rule, the very next transaction picks it up. Live in weeks, not quarters.

See how it works →

The translator between your systems

FIS sends a file. Fiserv sends an API. Your digital banking speaks webhooks. Flow sits in the middle, translating between every system so the bank is not locked to any one of them. Nothing gets replaced. Everything gets connected.

The translator between your systems

Acts in real time

Consumer attention peaks in the seconds after a transaction and collapses within two minutes. Batch campaigns arrive hours later. Flow operates at machine speed, inside the window.

Acts in real time

Consumer attention peaks in the seconds after a transaction and collapses within two minutes. Batch campaigns arrive hours later. Flow operates at machine speed, inside the window.

Acts in real time

Consumer attention peaks in the seconds after a transaction and collapses within two minutes. Batch campaigns arrive hours later. Flow operates at machine speed, inside the window.

Live in weeks

No 18-month project. No custom development. Pre-built connectors for Visa, FIS, Q2, and Alkami. Configuration-driven setup on the rails you already run.

Live in weeks

No 18-month project. No custom development. Pre-built connectors for Visa, FIS, Q2, and Alkami. Configuration-driven setup on the rails you already run.

Live in weeks

No 18-month project. No custom development. Pre-built connectors for Visa, FIS, Q2, and Alkami. Configuration-driven setup on the rails you already run.

Proof built in

Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact. Average payback: 27 days.

Proof built in

Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact. Average payback: 27 days.

Proof built in

Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact. Average payback: 27 days.

27-day payback

Most partners see positive ROI before the first invoice.

No rip-and-replace

Flow extends your existing stack. Nothing gets replaced.

They are already showing up.

The transactions are already happening. The question is whether the right product shows up when they do or stays silent while the competitor does not. Every silent transaction is a product the competitor surfaces instead. And once debit moves, mortgage, auto, and student loans follow.

See how Flow works →

In production. In market.
In the moment.

107+ financial institutions, from community credit unions to top-20 banks.

Stephanie Ferris

CEO & President, FIS

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

Financial institutions on FIS rails

<500ms

Signal to moment, in real time

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

Transaction lift across activated members

400K

Members

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

Transaction lift across activated members

10M

Member moments delivered

Stephanie Ferris

CEO & President, FIS

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

Financial institutions on FIS rails

<500ms

Signal to moment, in real time

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

Transaction lift across activated members

400K

Members

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

Transaction lift across activated members

10M

Member moments delivered

Stephanie Ferris

CEO & President, FIS

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

Financial institutions on FIS rails

<500ms

Signal to moment, in real time

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

Transaction lift across activated members

400K

Members

April Clobes

CEO, MSUFCU

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

Transaction lift across activated members

10M

Member moments delivered

State of Flow

What's happening across the network.

View all press releases

Feb 27, 2026•press-releases

Filene's FiLab Validates Flow: Real-Time Engagement Drives 2.4x More Transactions

Flow Networks

Oct 18, 2024•press-releases

Flow Networks Welcomes Mike Heindl as Chief Growth Officer

Flow Networks

Aug 3, 2023•press-releases

Flow Networks Announces Integration with Q2’s Digital Banking Platform

Flow Networks

Own the moment.

Own the moment.

35% of cards are non-primary. Each one is a $305/year primacy gap.

You built 12 products. Two get used. The rest are invisible.

Measured, not promised

Nothing new to build. Everything new to gain.

Nothing new to build. Everything new to gain.

The translator between your systems

The translator between your systems

The translator between your systems

Acts in real time

Acts in real time

Acts in real time

Live in weeks

Live in weeks

Live in weeks

Proof built in

Proof built in

Proof built in

27-day payback

No rip-and-replace

They are already showing up.

In production. In market. In the moment.

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

<500ms

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

400K

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

10M

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

<500ms

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

400K

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

10M

FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.

105+

<500ms

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

+20%

400K

Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.

30%

10M

State of Flow

In production. In market.
In the moment.