Your core knows everything. Your customer feels none of it.

Flow is the activation layer that changes that.

Flow sits on top of your existing stack - core, cards, LOS, CRM, fraud, rewards - and turns the signals trapped inside them into moments across every surface your consumer touches.

The right moment, to the right customer, at the right time.

PushIn-appSMSEmailWebsiteAPIAgentVendor AI

The OS for Customer Moments

One AI-native engagement layer.

Live

CoreCardsLOSCRMPayment RailFraudComplianceRewardsVendor AI

Activate any signal across your stack.

HOW IT WORKS

Five capabilities. One activation layer.

Harness

Every signal from every system - resolved to one consumer, sub-second live.

Consumer Graph

One live view of every consumer. Transaction, behavior, motivation, prediction.

Moment Studio

Design, simulate, and ship moments across the consumer lifecycle. Built for business teams.

Coordination

Policy, capacity, fatigue, conflict - enforced on every decision, every consumer.

Surface Area

One moment, every surface. App, web, push, SMS, email, branch, agent, AI - all native.

01 — MOMENTS

100% Signal, not noise.

Consumer attention peaks in the 0–30 seconds after something happens - a card tap, a balance shift, an app open. A Moment is a programmed action tied to what just happened, delivered on the surface your customer is already on, under a second.

4 LIFECYCLE JOBS · 3 ENGINES · 8 NATIVE SURFACES

EXPLORE MOMENTS →

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

02 — THE SURFACE AREA

Show up as one institution

One authored moment, rendered natively on eight surfaces — app, site, push, email, SMS, branch, agents, and the AI assistants your customer already uses. No new app. No migration.

8 → 1 · ONE AUTHORED MOMENT, EIGHT NATIVE SURFACES

EXPLORE THE SURFACE AREA →

MomentLive

Payroll just hit.
Move $40 to savings?

authoredonce

surfaces8 / 8

rewrites0

Compose

Render

Deliver

Push

Payroll hit. Move $40 to savings?

In-app

Tap to move $40 · review goal

Website

Banner · one-click transfer

New

Agent

"Want me to move $40?"

SMS

Reply Y to move $40 now

Your Tuesday savings nudge

API

POST /moments/render

New

Vendor AI

Exposed as an action

03 — HARNESS

Activate your stack

Every system holds a piece. None talk to each other. Harness connects every source, resolves one consumer across every ID, and enriches each signal in flight — so moments fire on what is, not on a stale export.

480MS · MEDIAN SIGNAL-TO-GRAPH LATENCY

EXPLORE HARNESS →

CoreCardsLOSCRMPayment RailFraudComplianceRewardsVendor AI

HarnessLive

Connect

Unify

Enrich

Consumer Graph

One consumer. Every signal.

THE SYSTEM

Inside every moment.

Every signal runs through six stages — in under 480 milliseconds. Each cycle sharpens the next decision for every consumer on the network.

01 — HARNESS

Ingest the signal.

Every card tap, ACH, decline, app open, and LOS event from your core, rails, processors, and digital banking — streamed in real time. No files. No waits.

02 — CONSUMER GRAPH

Understand the person.

Four layers of intelligence about one consumer: transaction, behavioral, motivation, predictive. Built over time. Used in the moment.

03 — DECIDING

Pick the right action.

Rules, bandits, experiments — running against the consumer graph in milliseconds. The one action most likely to move the relationship right now.

04 — COORDINATION

Respect the consumer.

Capacity, cadence, fatigue, conflict. No two Flow moments fire in the same window. No moment fires if the consumer has had enough.

05 — MOMENTS

Deliver on the right surface.

Push. SMS. Card message. Agent script. Branch context. The delivery channel is decided by the moment, not the other way around.

06 — LEARNING

Prove it worked.

Holdout-measured causal lift. Every moment adds a data point. Every data point sharpens the next decision for every consumer on the network.

SIX STAGES · TEN MILLISECONDS · A LIFETIME OF COMPOUNDING INTELLIGENCE

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. Shadow mode weeks 1–2, live cohort by week 5.

How do you prove incrementality?

Every moment is randomly withheld from a control cohort. Treated minus control — that's the only number we report. The result our FIs see: +8% incremental net revenue contribution, 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 describe the consumer yesterday. Flow acts in the moment — the second the card taps, the balance shifts, the login happens. One consumer, one decision, under a second. The same context lands in your agent's headset, the banker's desk, and the PM's roadmap. Not a channel. Not a campaign. The layer underneath both.

How do you protect consumer data?

PCI-DSS aligned, SOC 2-controlled, encrypted in transit and at rest. Flow does not require consumer PII to operate. Your institution stays the data owner. Continuous monitoring and regular pen testing — reviewed by your security team the way you review any core vendor.