We do the work.

You pick the goal.

Ready-to-Launch Audiences packages complex transaction intelligence into pre-built, selectable audience segments. Pick “Take Back Auto Loan from Competing FIs”, and every signal, exclusion, and behavioral filter is already done.

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The problem

The data exists.

Getting it into a campaign doesn’t.

Most community FIs have access to rich transaction data, but turning that data into a targeted campaign requires expertise, time, and tools most marketing teams don’t have.

Fragmented systems

Data lives in one platform; campaigns run in another. Every audience requires an export, an import, and a manual sync — over and over.

Too complex to act on

Identifying the right audience means searching through dozens of behavioral signals, product filters, and exclusions, to find the audience you are looking for. Most teams don’t have the time or expertise to do it properly.

Stale lists, missed moments

By the time a segment is built and imported, the behavior that made it relevant has already changed. Static lists mean missed opportunities.

Ready-to-Launch Audiences

Audiences built around real opportunities

Three types of audiences — all pre-built, validated, and ready to activate in a single click

Predictive Audiences

Identify account holders most likely to open a specific product or at risk of leaving based on real transaction behavior. Updated daily, membership reflects what account holders are doing right now.

Loans

Account holders signaling readiness for an auto loan, HELOC, or personal loan through competitor payments, home improvement spending, life events, or household changes.

Merchant Services

Business owners and sole proprietors with Stripe or Square income flowing into their accounts already accepting payments through a competitor.

High Wealth & Savings

Account holders with idle capital or money moving to external investment platforms, wealth managers, or high-yield accounts elsewhere.

Churn Risk

Account holders showing declining daily spending, disappearing bill payments, or a loss of recurring income are flagged before they leave.

Curated Growth Audiences

12 pre-built audiences spanning lending, competitive takeaway, debt consolidation, high-wealth servicing, deposit growth, P2P intelligence, and business service activation. Each one pre-built, validated, and ready to activate in a single click.

Home Equity for Home Improvers

Take Back Auto Loan from Competing
FIs

Business Checking for Consumer
Banking

Home Equity for Debt Consolidation

Home Equity for Travelers

Cross-Sell Mortgage

Drive Merchant Services Adoption

Credit Card for Debt Consolidation

Activate Dormant Debit Card Users

Business Loan to Deepen Business
Relationship

Drive Use of FI’s P2P Solution

Checking Accounts for Young Adults

Custom Audiences

Custom Audiences give financial institutions the ability to build segments that reflect their own strategy and business outcomes. Drawing from a library of hundreds of transactional behavioral tags spanning spending patterns, life events, product relationships, income signals, and persona attributes, institutions can define and activate audiences uniquely meaningful to them.

WHERE IS THIS GOING

Today, institutions work with Digital Onboarding to bring their custom strategy to life. Tomorrow, they’ll simply tell our AI what they’re trying to accomplish and it will be done.

Why it matters

Smarter targeting. Measurable growth.

With Ready-to-Launch Audiences, institutions activate campaigns across email, SMS, personalized microsites, digital banking, and in-branch with performance tracking built in.

More deposits

Identify account holders with external savings relationships and shift primacy back to your institution.

More product relationships

Reach account holders at the exact moment behavioral data signals readiness to open a new product.

Competitive wins

Target account holders actively using competitor banks, fintechs, and lenders with a relevant, timely offer.

Faster campaigns

From goal to live campaign in minutes. No data science, no manual audience building, no waiting.

Always current

Audiences update automatically with daily FinGoal enrichment. They reflect what’s happening today, not last quarter.

Higher engagement

Replace broad demographic outreach with precision targeting based on what account holders are actually doing right now.

How it works

We collect.

We combine.

We package.

You activate.

We collect

Your daily transaction data flows to FinGoal overnight for enrichment.

We combine

Predictive signals layered with spend and behavioral data, product history, persona data from contact and account details, and SME expertise.

We package

All that complexity becomes one named, selectable audience. Ready and updated every morning.

You see the impact & activate

Pick the audience that matches your goal, see who qualifies, and launch. No data science required.

The Digital Onboarding Difference

While others give you data or engagement. Digital Onboarding gives you both.

While some platforms attempt to bridge data and engagement, the result is often fragmented. Ready-to-Launch Audiences eliminates that entirely. The same platform that identifies the opportunity activates the campaign and measures the result. No exports. No complex audience building. No second vendor. No lag.

Community financial institutions sit on some of the most valuable behavioral data in financial services, but most of it never makes it into a campaign. Ready-to-Launch Audiences changes that. The intelligence is already there. We’ve just made it effortless to act on.

Ted Brown

Co-founder, Chief Executive Officer, Digital Onboarding

One click.

Everything already built in.

See how Ready-to-Launch Audiences can turn your institution’s transaction data into targeted campaigns,  starting today.

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