Flow Networks - Own the Moment

Your products are built.
Flow brings them alive.

Forty times a month, your consumer taps their card. In that second, nothing happens. Flow turns every payment moment into a product moment - so your products show up when it counts.

Serving 107+ financial institutions in production

See how it works →

Book a demo

Your products are built.
Flow brings them alive.

Forty times a month, your consumer taps their card. In that second, nothing happens. Flow turns every payment moment into a product moment - so your products show up when it counts.

Serving 107+ financial institutions in production

See how it works →

Book a demo

$605 VS. $325. THAT'S THE GAP.

Primacy earns $605 a year.
Without it - $325 and falling.

The cost isn't churn.
It's indifference.

Your consumers aren't leaving. They're just not deepening. Every silent card tap is a tap the competitor's card wins next. Every product that doesn't speak is a product that doesn't earn the next transaction. Primacy compounds - and so does its absence.

One signal.
Twenty-seven ways your products come alive.

Your consumer taps their card at a restaurant. You know their dining bonus is active, they're 400 points from a reward, and they've never seen either. That signal - right now - goes nowhere.

Flow catches it. In under 500 milliseconds, the product speaks.

Rewards Activation

38% of rewards go unredeemed. Your consumer earns 3X - and has no idea.

Signal captured

Card tap · Carrabba's Italian Grill · $47.32 · Friday evening

Context enriched

3X dining bonus active · 4,230 points balance · $40 statement credit threshold reached

Moment delivered

You earned 4X points at dinner tonight - 189 points. That's enough for a $40 statement credit. Tap to redeem.

From signal to action - in milliseconds

CAPTURE

Every card tap, deposit, and balance event ingested in real time from your existing payment rails.

UNDERSTAND

Who is this person? Products held, spending patterns, financial position, and what motivates them.

DECIDE

The right product, the right person, the right moment. Contextual bandits select the action in sub-second time.

DELIVER

Your surfaces. Your brand. Their moment. Push, in-app, email, SMS, AI - all from the same intelligence.

LEARN

If it didn't change behavior, it didn't work. The system gets smarter in real-time, across every institution.

Measured, not promised

UNIVERSAL CONTROL GROUP · DEMO-STRATIFIED · SEQUENTIAL TESTING

Causal lift, not correlations. The methodology Netflix, Booking, and Airbnb use - applied to every moment Flow delivers.

See the methodology →

Nothing new to build. Everything new to gain.

Flow isn't a marketing tool. It operates at the payment moment - the instant a consumer's money moves - using four layers of intelligence to surface the right product for the right person at the right time. No batch campaigns. No demographic segments. Configuration, not development. Live in weeks, not quarters.

See how it works →

Extends your stack

Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.

Extends your stack

Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.

Extends your stack

Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.

Acts in the attention window

Consumer attention peaks 0–30 seconds after a card tap and collapses within two minutes. Batch campaigns arrive hours later. Flow operates at machine speed, inside the window.

Acts in the attention window

Consumer attention peaks 0–30 seconds after a card tap and collapses within two minutes. Batch campaigns arrive hours later. Flow operates at machine speed, inside the window.

Acts in the attention window

Consumer attention peaks 0–30 seconds after a card tap 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.

Your consumers are already showing up.

Attention exists for seconds. Systems weren't built for that. Flow was. The question is whether your products will show up too.

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

Your products are built. Flow brings them alive.

Your products are built. Flow brings them alive.

Primacy earns $605 a year. Without it - $325 and falling.

The cost isn't churn. It's indifference.

The cost isn't churn. It's indifference.

One signal. Twenty-seven ways your products come alive.

38% of rewards go unredeemed. Your consumer earns 3X - and has no idea.

From signal to action - in milliseconds

CAPTURE

UNDERSTAND

DECIDE

DELIVER

LEARN

Measured, not promised

Nothing new to build. Everything new to gain.

Nothing new to build. Everything new to gain.

Extends your stack

Extends your stack

Extends your stack

Acts in the attention window

Acts in the attention window

Acts in the attention window

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

Your consumers 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

Your products are built.
Flow brings them alive.

Your products are built.
Flow brings them alive.

Primacy earns $605 a year.
Without it - $325 and falling.

The cost isn't churn.
It's indifference.

The cost isn't churn.
It's indifference.

One signal.
Twenty-seven ways your products come alive.

In production. In market.
In the moment.