PRESENCE FOR FINANCIAL INSTITUTIONS

Most of banking happens between the taps.

Flow enables financial institutions with a presence layer. We route the right signal from every system you already run - core, processor, product, CRM - into the few seconds your consumers actually pay attention. No new channel. No new app. Just moments that land.

Explore the moment with Flow

TRUSTED BY

FIS · Visa · MSUFCU · Chartway - and 100+ more

A Moment for Every Moment.

Acquisition, activation, growth, retention. Every stage of a consumer's relationship with your institution has moments worth making. This is how you build primacy.

MOMENTS

Engage your customers when they use your products

CARD TAP → MOMENT DELIVERED

Live transaction · card networkStream open

Card tap · just now

Sidewalk Coffee · Brooklyn

$6.40

debit · checking · ending 4421

Attention window0s / 30s

Moment · pending+480ms

Grow · top-of-wallet

Looks like you're still on Tuesday coffee. Want this card to be your default?

Make defaultNot now

delivered viaPush · In-app

Deciding

Coordination

Learning

+8.2%

INCREMENTAL LIFT — HOLDOUT-MEASURED — IN PRODUCTION

01 — FOUR KINDS OF MOMENTS

Every customer is somewhere in a lifecycle. Flow programs a Moment for each stage.

Acquire turns an opportunity into a customer. Activate recovers the decline. Grow deepens the relationship. Retain catches the signal before attrition. One model. Four jobs.

One model. Four jobs. Every consumer covered.

Acquire

Meet them where they already pay.

first tap · "make me your default"

Activate

First real use, within the tap.

enable Apple Pay in 2 taps

Grow

Deepen primacy across the wallet.

move recurring to this card

Retain

Recover auth fails. Hold attention.

auth retry · in-context upgrade

Intelligence stack4 layers

Consumer graphwho they are, right now

Ada · tier 2 · Mon–Fri coffee · payroll Tue

Patternwhat has happened before

weekly grocery · deposit landed 3h ago

Decidingthe right move, right now

nudge: "move $40 to savings?"

Learningwhat worked last time

+17% accept vs. cold nudge · keep the cue

The moment

Payroll just hit.
Move $40 to savings?

grown by 4 engines · fired in < 500 ms

Consumer graph

Pattern

Deciding

Learning

02 — WHAT MAKES THEM SMART

Three systems run behind every Moment.

Deciding picks the right action. Coordination prevents collisions. Learning proves it worked — holdout-measured causal lift.

Named. Ranked. Coordinated. Measured. Every time.

03 — WHERE MOMENTS LAND

On every surface the consumer is already on.

Push, in-app, website, agent, SMS, email, API, vendor AI. Flow delivers on the surface your customer already trusts.

Every surface — authored once, rendered everywhere.

One moment · eight surfacesauthored once

Push

Push · 10:42

Sidewalk Coffee · $6.40

Payroll hit. Move $40 to savings?

In-app

In-app card

Move $40 to your Tuesday goal?

MoveSkip

SMS

SMS · Tue 10:42

Payroll hit. Reply Y to move $40 to savings.

Inbox · just now

Your bank

Your Tuesday savings nudge

Payroll just hit. A $40 move keeps you on pace…

Agent

Agent · Claude

"Want me to move $40 to savings — payroll just hit?"

Branch

CSR screen · next best

Ada · payroll Tue · offer $40 savings move

1-tap action ready

Web

Web banner

Move $40 now · one-click

Vendor AI

Vendor AI · action

moveToSavings(40)

exposed as a callable action

rewrites0 · same moment · 8 native renders

Attention collapseMomentCampaign

04 — ATTENTION COLLAPSE

Batch is too late. Attention collapses in seconds.

A card tap opens a window of intent that closes fast. A Moment fires under a second. A next-morning campaign fires after the window has already closed — which is why batch campaigns quietly lose, even when open rates look fine.

In the moment, or not at all.

Questions teams ask before saying yes.

Short, honest answers to the questions we hear in every first call.

Book a demo call

Let's talk about how Flow can make your financial products come alive.

Book a call

Do you prefer email? We're available at:

sales@flownetworks.io

Book a demo call

Let's talk about how Flow can make your financial products come alive.

Book a call

Do you prefer email? We're available at:

sales@flownetworks.io

Book a demo call

Let's talk about how Flow can make your financial products come alive.

Book a call

Do you prefer email? We're available at:

sales@flownetworks.io

What's the integration lift?

Eight weeks from signed to first shipped moment. Flow side-loads into the processor, digital banking, and CRM you already run — no rip-and-replace, no data-warehouse project, no new channel for your team to own. Shadow mode for the first two weeks, live in a controlled cohort by week five.

How do you prove incrementality?

Every engagement is randomly withheld from a control cohort. The gap between treated and control is the only number we report — not lift over zero, not self-attributed. The headline our FIs see: +8% incremental contribution to net revenue, 27-day payback, holdout-measured. The number that survives a CFO review.

How is Flow different from the personalization stack we already have?

Campaign tools and segment engines describe the consumer yesterday. Flow acts in the moment — the second the card taps, the second the balance changes, the second the login happens. One person, one moment, one decision in under a second. Then the same context lands in your agent's headset, the banker's desk, and the product manager's roadmap. Not a channel. Not a campaign. The intelligence layer underneath both.

How do you protect consumer data?

PCI-DSS aligned, SOC 2-controlled, encrypted in transit and at rest. We do not require consumer PII to operate. Your institution stays the data owner; Flow is the engine inside your perimeter. Continuous monitoring and regular penetration testing, reviewed by your security team the way you review any core vendor.