Smart Bank

Driving card engagement

Using AI-driven segmentation and targeted journeys, Smart Bank achieved compelling portfolio growth, outperforming prior incentive-based campaigns.

The challenge

Activating underperforming card segments

Smart Bank faced a familiar challenge in retail banking: a significant portion of their card portfolio was underutilized. New cardholders were slow to activate, and existing customers weren't reaching their engagement potential. Prior mail and email campaigns with incentive-based mechanics had delivered
inconsistent results.

The bank needed a smarter approach — one that could identify the right customers, at the right moment, with the right message, without relying on blanket promotional spend.

The solution

AI-driven targeting with intelligent customer journeys

Smart Bank partnered with NGDATA to deploy the Intelligent Engagement Platform, enabling hyper-personalized campaigns powered by real-time customer data. Two flagship programs — "Skip the PIN" and "Mobile Wallet" — were designed to drive specific behavioral outcomes across card segments.

Whether promoting high debit card spenders toward credit card rewards or nudging low-usage customers with tailored incentives, every action was driven by data. NGDATA's AI-driven segmentation ensured that each journey was relevant and timely — minimizing wasted outreach and maximizing conversion.

The result

Compelling growth across the portfolio

The results of our targeted campaigns like "Skip the PIN" and "Mobile Wallet" driving additional card engagement is compelling. Our portfolio analysis showed higher growth rates using this approach than prior incentive-based alternative mail/email campaign options.

The partnership

A strategic ally in digital transformation