[ 01 ]
Fragmented financial identity
The same customer in app, web, branch and POS is four different people. Without a unified profile, every channel restarts the relationship from zero and 27% of spend hits users already in the base.
Loyalty Platform for Banks, Card Issuers and FintechsFrom the customer who holds the account to the one with the habit.
10% of your customers drive 90% of the profit. Qurable identifies them, activates CLV-led engagement, cuts churn by 6pp and turns every transaction into an event of financial loyalty.
- 10% Top customers drive 90% of the profit in financial services
- 25% Annual churn the average in digital banking without active engagement
- −6pp Churn reduction with CLV-centered engagement powered by Qurable
- +24% Cross-sell incremental lift with real-time contextual engagement
The core problem
Accounts without habit, churn without signal, discounts without return.
Three symptoms of the same problem. Without a unified profile, the high-CLV customer leaves before the bank even recognizes them.
[ 02 ]
The middleman app keeps the habit
Payment platforms capture usage frequency but never share the data. The customer builds loyalty with the app, not with the bank. The institution loses the most valuable asset: transactional knowledge.
[ 03 ]
Generic discounts without CLV
78% of financial campaigns ignore real customer value. Without CLV scoring, every benefit erodes margin without building preference. The best customers get the same offer as the ones about to leave.
With Qurable
CLV at the center of every decision
+2.4× frequency among active members
−6pp churn with real engagement
Unified financial identity across every channel
Untapped opportunities
From account to habit. From habit to program.
Three capabilities that turn anonymous users into lasting financial relationships. Real frequency, activated cross-sell and first-party data that doesn't depend on third parties.
[ 01 ] Transaction frequency
The active customer you don't recognize yet
2.4× higher transaction frequency among active members vs. non-members
- Detect usage patterns by channel, category and moment of spend
- Activate bounce-backs timed to the customer's real frequency
- Identify high-CLV users before they migrate to a competitor
- Every transaction enriches the profile and sharpens future propensity
[ 02 ] Product cross-sell
Every transaction activates the next opportunity
+24% contextual cross-sell with CLV-led engagement
- Personalized offer in-app or on the preferred channel at the moment of the transaction
- Dynamic bundles: payroll + insurance, card + cashback, lending + investment
- Differentiated rewards by product and customer value tier
- Every interaction adds to the history and improves the next offer
[ 03 ] Retention & dormant users
The dormant customer can come back with the right incentive
70% of churn is prevented with personalization and experience, not price
- Automatic detection of frequency drops and churn signals
- Recovery campaign triggered by behavior, not by the calendar
- Personalized incentive based on CLV history and preferred channel
- Reactivation measured in real transactions, not clicks
How Qurable solves it
From transaction to habit. From active customer to a program of financial engagement.
A single profile that connects app, web, POS and branch. Every transaction enriches the customer history in real time and removes the fragmentation between channels.
< 50 ms App + POS + Web · Frictionless
CDP · Unified Financial Profile
Live ID · 28.741.623 Profile · Valeria M. Channels: App · POS · Web
- Transactions
- 124 / mo.
- Segment
- High CLV
- Avg. ticket
- $8,400
- Frequency
- 6× / wk.
Identification (p95) 97.0%
Dynamic scoring that detects high-value users and activates personalized benefits before they switch to a competitor. Real frequency, not generic campaigns.
+2.4× frequency Live CLV score · −6pp churn
CLV Engine · Live Scoring
Active Onboarding D+30 VIP Program
- [ 01 ] D+0
Unified profile created
Valeria M. — 3 channels
- [ 02 ] D+30
VIP CLV score reached
+$8,400 in monthly transactions
- [ 03 ] D+60
Program activated
2.4× frequency confirmed
- Benefit activated
PushAppEmail
Average frequency among active members +2.4×
At the moment of the transaction, Qurable surfaces the most relevant product offer: insurance, investment, lending or cashback. Smart bundles powered by CLV and real propensity.
+24% cross-sell Offer in < 3s · AI bundle
Cross-sell Engine · Real-time
Live- [ 01 ]
Transaction initiated
Debit · Supermarket · $4,200
- [ 02 ]
Offer activated
Purchase insurance · no cost
- [ 03 ]
Product adopted
+$0 ticket · +1 product
PERSONALIZED OFFER
Insurance + Cashback
Bundle activated in < 3s
Cross-sell rate with active engagement +24%
Automated, behavior-led campaigns: reactivation, product upgrades and referrals. Incremental revenue measured in real transactions, not clicks.
Measured revenue Auto-segmentation · Omnichannel
Campaign Engine · Auto
LiveACTIVE CAMPAIGN
45-day reactivation
Progress 52%
- Customers reactivated 2,184
- Incremental transactions / wk. 6,420
- Incremental revenue $312K
Measured in real transactions Not in clicks
ROI calculator
What's it worth to know every customer?
Plug in your portfolio and see the expected impact with Qurable over the next 12 months.
Your current portfolio
Customers with at least one transaction in 3 months
Average spend per active customer (USD)
% of customers staying active month over month
Based on +2.4× frequency and +24% contextual cross-sell with Qurable.
Platform monthly cost: USD 550. Results estimated over 12 months.
Calculation assumptions
- Current revenue: customers × average ticket × retention × 12 months.
- Frequency: the customers you already retain buy 24% more.
- Cross-sell: 24% of retained customers add an extra purchase worth 20% of the ticket.
- Churn avoided: 22% of the customers lost today are recovered, for 6 months.
- Retention with Qurable: +11% over today, capped at 95%.
- Platform cost: USD 550 per month.
- Payback: months of incremental revenue needed to cover one year of the platform.
- The conservative scenario takes half of each improvement in the expected scenario.
Projection with Qurable
12MEstimated lift$7.0Min annual revenue
- Current retention
- 75% → 83%
- Estimated payback
- 1 month
- Monthly cost
- USD 550
FAQ
What people ask in banking and fintech.
Rewards embedded in the payment, co-funded and in your cloud.
A points or cashback program that decides the reward inside the card authorization instead of calculating it days later. The customer sees the reward in the same payment.
One that decides the reward inside the card authorization, records the bank's and the merchant's contributions to co-funded promotions and can run in the bank's cloud. Pomelo, Santander Peru, Banisi and Konfío already deliver cashback at payment with Qurable.
Qurable applies transaction intelligence inside the authorization: using the transaction, the customer profile and the campaign rules, it decides points, cashback or a discount in ~150 ms and records the bank's and the merchant's share. It is live with Pomelo, Santander Peru, Banisi and Konfío.
Yes. Qurable decides and credits cashback inside the authorization, in ~150 ms. It is live with Pomelo, Santander Peru, Banisi and Konfío.
The bank and the participating merchant split the reward, for example 50% each. The ledger records each party's contribution, and each campaign is posted and closed from Qurable Manager. Qurable doesn't move funds.
Yes. Qurable credits the points or cashback in the bank's program, or calculates the reward and sends it to a partner brand's program.
Yes. Qurable runs in containers, in Qurable's cloud or the client's, on any provider and region.
The transaction goes through and points are credited when the service is back. Redeeming points does require a connection.
Related guides
All resources- ConceptTransaction Intelligence
Transaction Intelligence acts while the payment is being authorized; transaction analytics explains payments that already closed.
- ConceptMerchant-funded cashback
Merchant-funded cashback is paid, fully or in part, by the merchant of the purchase.
- ConceptCard-linked offers
With card-linked offers, the customer activates the offer and gets the reward later, once the transaction is reconciled.
No commitment · Personalized demo · Go-live in weeks
Banking engagement centered on CLV, not on scattered campaigns.
Join the brands already using Qurable to build lasting financial relationships. Unified identity, CLV-led engagement and retention measured in real transactions. Go-live in weeks.