Rewards Activation

Every tap, a conversation

Signal captured

Card tap · Rosa's Trattoria · $47.32 · Tampa, FL

Context enriched

3X dining bonus · 400 pts to reward · Last visit: 12 days

Moment delivered

You earned 3X points at Rosa's. You're 400 points from your next reward.

The industry builds products. Then forgets the person.

Flow inverts it. Start with who they are. Meet them in the moment. Measure what resonates. Adapt. Watch behavior shift.

Product-Centric. Consumer-Agnostic.

Products go silent after the sale. Value built, never shown.

The rails are built. Card taps, app opens, deposits. Signal everywhere - intelligence nowhere.

Start with the product. Push it to a segment. Hope it sticks.

"25-40 female homeowners" - demographic buckets, not people.

Personalization means a first name and a segment tag. The person is still invisible.

Campaign calendar drives timing. Not the consumer's life.

If the consumer doesn't engage, send it louder. More channels. More frequency.

Set the rules once. Run the campaign. Review it next quarter.

Every FI reinventing the same playbook alone. Learning nothing from anyone else's outcomes.

Flow

Context is all you need.

Products come alive at the card tap. Fifteen benefits, finally visible.

Signal captured in <500ms. Every tap becomes context - who, what, why, what next.

Start with the person. The what, the why, the what next.

Money is emotional. Connect to why they chose you - not what segment they fit.

Ground in their reality. $500 balance and overdrafted? Protect them. $50K deposit? Show them what 4.25% looks like.

The moment their money moves is the moment they're listening. 0-30 seconds. Be there.

100% signal. Zero noise. If they wouldn't miss it, don't send it.

Every engagement is an experiment. Contextual bandits. Sequential testing. The platform adapts in real time.

107+ FIs learning together. A/B results from Florida sharpen models in Oregon. Intelligence compounds.

Product-Centric. Consumer-Agnostic.

Products go silent after the sale. Value built, never shown.

The rails are built. Card taps, app opens, deposits. Signal everywhere - intelligence nowhere.

Start with the product. Push it to a segment. Hope it sticks.

"25-40 female homeowners" - demographic buckets, not people.

Personalization means a first name and a segment tag. The person is still invisible.

Campaign calendar drives timing. Not the consumer's life.

If the consumer doesn't engage, send it louder. More channels. More frequency.

Set the rules once. Run the campaign. Review it next quarter.

Every FI reinventing the same playbook alone. Learning nothing from anyone else's outcomes.

Context is all you need.

Products come alive at the card tap. Fifteen benefits, finally visible.

Signal captured in <500ms. Every tap becomes context - who, what, why, what next.

Start with the person. The what, the why, the what next.

Know what motivates them - progress, security, recognition - not just what they bought.

Ground in their reality. $500 balance and overdrafted? Protect them. $50K deposit? Show them what 4.25% looks like.

The moment their money moves is the moment they're listening. 0-30 seconds. Be there.

100% signal. Zero noise. If they wouldn't miss it, don't send it.

Every engagement is an experiment. Contextual bandits. Sequential testing. The platform adapts in real time.

107+ FIs learning together. A/B results from Florida sharpen models in Oregon. Intelligence compounds.

Product-Centric. Consumer-Agnostic.

Products go silent after the sale. Value built, never shown.

The rails are built. Card taps, app opens, deposits. Signal everywhere - intelligence nowhere.

Start with the product. Push it to a segment. Hope it sticks.

"25-40 female homeowners" - demographic buckets, not people.

Personalization means a first name and a segment tag. The person is still invisible.

Campaign calendar drives timing. Not the consumer's life.

If the consumer doesn't engage, send it louder. More channels. More frequency.

Set the rules once. Run the campaign. Review it next quarter.

Every FI reinventing the same playbook alone. Learning nothing from anyone else's outcomes.

Context is all you need.

Products come alive at the card tap. Fifteen benefits, finally visible.

Signal captured in <500ms. Every tap becomes context - who, what, why, what next.

Start with the person. The what, the why, the what next.

Money is emotional. Connect to why they chose you - not what segment they fit.

Ground in their reality. $500 balance and overdrafted? Protect them. $50K deposit? Show them what 4.25% looks like.

The moment their money moves is the moment they're listening. 0-30 seconds. Be there.

100% signal. Zero noise. If they wouldn't miss it, don't send it.

Every engagement is an experiment. Contextual bandits. Sequential testing. The platform adapts in real time.

107+ FIs learning together. A/B results from Florida sharpen models in Oregon. Intelligence compounds.

Network Intelligence

Every institution makes every other institution smarter.

Flow isn't a tool you buy. It's a network you join. A/B test results from dining rewards in Florida sharpen savings models in Oregon. A 130,000-card credit union gets intelligence built on the same network as a top-50 bank.

Book a demo

Network Intelligence

Every institution makes every other institution smarter.

Flow isn't a tool you buy. It's a network you join. A/B test results from dining rewards in Florida sharpen savings models in Oregon. A 130,000-card credit union gets intelligence built on the same network as a top-50 bank.

Book a demo

Network Intelligence

Every institution makes every other institution smarter.

Flow isn't a tool you buy. It's a network you join. A/B test results from dining rewards in Florida sharpen savings models in Oregon. A 130,000-card credit union gets intelligence built on the same network as a top-50 bank.

Book a demo

Man with a laptop walking to a store

Proven at Scale

107+ financial institutions. Millions of real consumer interactions. Measured outcomes.

+8% transaction lift, holdout-controlled. $5-7 margin expansion per card per year. 27-day average payback from integration to measurable ROI.

Book a demo

Man with a laptop walking to a store

Proven at Scale

107+ financial institutions. Millions of real consumer interactions. Measured outcomes.

+8% transaction lift, holdout-controlled. $5-7 margin expansion per card per year. 27-day average payback from integration to measurable ROI.

Book a demo

Man with a laptop walking to a store

Proven at Scale

107+ financial institutions. Millions of real consumer interactions. Measured outcomes.

+8% transaction lift, holdout-controlled. $5-7 margin expansion per card per year. 27-day average payback from integration to measurable ROI.

Book a demo

A desk with a laptop and an employee badge laying on top of it.

Integration

Configuration, not development. Most institutions go live in 4-6 weeks.

Pre-built connectors for your core, processor, and mobile banking platform. No rip-and-replace. SOC 2 Type II certified. Usage-based pricing - you pay for outcomes, not seats.

Book a demo

A desk with a laptop and an employee badge laying on top of it.

Integration

Configuration, not development. Most institutions go live in 4-6 weeks.

Pre-built connectors for your core, processor, and mobile banking platform. No rip-and-replace. SOC 2 Type II certified. Usage-based pricing - you pay for outcomes, not seats.

Book a demo

A desk with a laptop and an employee badge laying on top of it.

Integration

Configuration, not development. Most institutions go live in 4-6 weeks.

Pre-built connectors for your core, processor, and mobile banking platform. No rip-and-replace. SOC 2 Type II certified. Usage-based pricing - you pay for outcomes, not seats.

Book a demo

Flow works with the infrastructure you've already built.

Pre-built connectors for cores, processors, mobile banking, CRM, loyalty, and merchant networks. Configuration, not development.

Step 1: Signal

Every tap is a signal.

A card tap. A deposit. A decline. A subscription renewal. Every time your customer's money moves, it produces a signal. Flow ingests that signal in real time - from your payment rails, your core, your app - and starts assembling context.

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Payment Signal

Payment Signal

Payment Signal

Rosa's Taqueria

Rosa's Taqueria

Rosa's Taqueria

Just now · Card tap

Just now · Card tap

Just now · Card tap

$14.00

$14.00

$14.00

Category

Category

Category

Dining

Dining

Dining

Card benefit

Card benefit

Card benefit

3x Rewards Active

3x Rewards Active

3x Rewards Active

Signal type

Signal type

Signal type

Real-time POS

Real-time POS

Real-time POS

Latency

Latency

Latency

<500ms

<500ms

<500ms

View signal data

View signal data

View signal data

Trigger moment

Trigger moment

Trigger moment

"We went from batch campaigns with 2% engagement to real-time moments with 25% action rates. The signal is the difference - when you reach someone at the right time, they respond."

Chief Growth officer

chartway credit union

Payment rails, core systems, and mobile app - all ingested in real time.

Payment rails, core systems, and mobile app - all ingested in real time.

Every signal enriched with merchant, category, amount, frequency, and timing.

Every signal enriched with merchant, category, amount, frequency, and timing.

Deposits, declines, renewals, and balance thresholds - not just card taps.

Deposits, declines, renewals, and balance thresholds - not just card taps.

Signal processing in under 500 milliseconds from event to action.

Signal processing in under 500 milliseconds from event to action.

Configuration, not code - connects to your existing infrastructure.

Configuration, not code - connects to your existing infrastructure.

Step 2: Intelligence

Context turns data into understanding.

Who is this person? What products do they hold? What drives them - progress, security, recognition? Flow assembles everything you know about this individual into a decision in milliseconds. Four layers of intelligence, learned from real behavior across the network.

Book a demo

Consumer Intelligence Profile

Consumer Intelligence Profile

Consumer Intelligence Profile

4 layers · Real-time

4 layers · Real-time

4 layers · Real-time

High

High

High

Signal match strength based on transaction depth and behavioral patterns.

Signal match strength based on transaction depth and behavioral patterns.

View profile

View profile

View profile

Responds to progress framing. Engages with milestone-based rewards. Learned from behavioral signals - not surveys.

Responds to progress framing. Engages with milestone-based rewards. Learned from behavioral signals - not surveys.

Adapt experience

Adapt experience

Adapt experience

Psychographic match

Psychographic match

Psychographic match

Intelligence Stack

Intelligence Stack

Intelligence Stack

107+ institutions

107+ institutions

107+ institutions

Transaction

Transaction

Transaction

Behavioral

Behavioral

Behavioral

Psychographic

Psychographic

Psychographic

Predictive

Predictive

Predictive

+12%

+12%

+12%

Transaction Intelligence

What just happened? Amount, merchant, category, frequency, timing. The raw signal that starts every decision.

Transaction Intelligence

What just happened? Amount, merchant, category, frequency, timing. The raw signal that starts every decision.

Transaction Intelligence

What just happened? Amount, merchant, category, frequency, timing. The raw signal that starts every decision.

Behavioral Intelligence

What patterns emerge? Spending velocity, category preferences, dormancy signals, engagement history. The behavioral fingerprint.

Behavioral Intelligence

What patterns emerge? Spending velocity, category preferences, dormancy signals, engagement history. The behavioral fingerprint.

Behavioral Intelligence

What patterns emerge? Spending velocity, category preferences, dormancy signals, engagement history. The behavioral fingerprint.

Psychographic + Predictive

What motivates this person? What happens next? Learned from behavioral signals across the network - not demographics, not surveys. Models that compound across every institution.

Psychographic + Predictive

What motivates this person? What happens next? Learned from behavioral signals across the network - not demographics, not surveys. Models that compound across every institution.

Psychographic + Predictive

What motivates this person? What happens next? Learned from behavioral signals across the network - not demographics, not surveys. Models that compound across every institution.

Step 3: Deliver

Your surfaces. Your brand. Their moment.

Push, in-app, email, SMS, wallet - delivered inside the channels your consumers already use. Every moment arrives in your brand, your design system, your voice. The consumer never sees Flow. They see their bank, present when it matters.

Book a demo

Create moment

Create moment

Create moment

Rewards notification

Rewards notification

Rewards notification

You earned 348 pts - 4x dining bonus

You earned 348 pts - 4x dining bonus

You earned 348 pts - 4x dining bonus

Delivered at 12:04 PM · 60s engagement

Delivered at 12:04 PM · 60s engagement

Delivered at 12:04 PM · 60s engagement

Product activation

Product activation

Product activation

Your credit card earns 3x here

Your credit card earns 3x here

Your credit card earns 3x here

Triggered by debit tap at dining merchant

Triggered by debit tap at dining merchant

Triggered by debit tap at dining merchant

Live Moments

Live Moments

Live Moments

Your brand, always

Every moment is delivered in your brand - your design system, your voice, your look and feel. Your customer never sees Flow. They see their bank.

Your brand, always

Every moment is delivered in your brand - your design system, your voice, your look and feel. Your customer never sees Flow. They see their bank.

Your brand, always

Every moment is delivered in your brand - your design system, your voice, your look and feel. Your customer never sees Flow. They see their bank.

Every channel, one intelligence

Push notifications, in-app moments, email, SMS, and digital wallet - all driven by the same real-time decisioning. One intelligence layer, every surface.

Every channel, one intelligence

Push notifications, in-app moments, email, SMS, and digital wallet - all driven by the same real-time decisioning. One intelligence layer, every surface.

Every channel, one intelligence

Push notifications, in-app moments, email, SMS, and digital wallet - all driven by the same real-time decisioning. One intelligence layer, every surface.

Delivered in the attention window

0-30 seconds after the card tap. Not batch. Not scheduled. The moment their money moves, the product speaks.

Delivered in the attention window

0-30 seconds after the card tap. Not batch. Not scheduled. The moment their money moves, the product speaks.

Delivered in the attention window

0-30 seconds after the card tap. Not batch. Not scheduled. The moment their money moves, the product speaks.

Step 4: Learn

If it didn't change behavior, it didn't work.

Every moment is an experiment. Holdout groups by default. The only honest measurement: the group that received the moment compared to the group that didn't. The difference is the impact. Everything else is storytelling.

Book a demo

Run experiment

Holdout group

4.2 transactions / month

12,400 consumers · No moments

Treatment group

4.9 transactions / month (+16.7%)

49,600 consumers · Real-time moments

Experiment Results

Holdout-controlled measurement

Every moment is an experiment. If it didn't change behavior, it didn't count. The only honest measurement: a holdout group compared to the group that received the moment.

Continuous learning loop

Every outcome - tap, ignore, convert - feeds back into the intelligence. The system gets smarter with every card tap, across every institution.

Network intelligence

A/B results from one institution sharpen models for every other. 107+ FIs learning together. The platform gets smarter with every card tap, across every institution.

Frequently asked questions

Common questions about how Flow works, integrates, and delivers results for financial institutions.

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 is Flow?

Flow is the intelligence layer that makes financial products come alive at the moment of payment. Every card tap, deposit, or transaction becomes a signal - and Flow turns that signal into a personalized, real-time moment that deepens the relationship between your institution and your consumers.

How does Flow integrate with our existing systems?

Flow deploys as a sidecar alongside your existing core, digital banking, and card processing infrastructure. Pre-built connectors for platforms like Q2, Alkami, Visa, Mastercard, FIS, and others mean no rip-and-replace. Configuration, not development.

How long does implementation take?

Most financial institutions go live in 4-6 weeks. Flow connects via pre-built connectors and injects into your existing digital surfaces - mobile app, online banking, email - without requiring new infrastructure or lengthy IT projects.

What kind of results can we expect?

Financial institutions on Flow see measurable behavior change within weeks. Our headline result: +8% transaction lift, holdout-controlled - if it didn't change behavior, it didn't count. Institutions also report stronger product engagement, deeper card usage, and faster payback. The average time from integration to measurable ROI is 27 days. Detailed results are available in our case studies.

How is Flow different from our existing marketing tools?

Flow isn't a marketing tool. It operates at the payment moment - the instant a consumer's money moves - using four layers of intelligence (transaction, behavioral, psychographic, predictive) to surface the right product for the right person at the right time. No batch campaigns. No demographic segments. One person, one moment.

Is consumer data safe with Flow?

Yes. Flow is built for financial institutions with security and compliance at the core. We support PCI-DSS requirements, encrypt data in transit and at rest, do not require consumer PII, and operate with SOC 2-aligned controls. Our environment is continuously monitored and regularly tested through penetration and security testing practices, so your institution stays in control while your members' data stays protected.