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Kernel™


Targeted Digital Marketing

In today’s fast-paced, digital world of instant communication, there are no second chances to make a first impression – and it’s more important now than ever to make the most out of that first impression. When it comes to marketing, financial institutions (FIs) should be consistently engaging consumers across all digital service channels with relevant, targeted ads that hit the mark the first time around.

Kernel is a data-driven marketing platform that monitors consumer behavior within your FI’s digital channels, and then presents the next-best product advertisements to each consumer based on their individual interests. This powerful solution easily integrates with, and enables you to monetize, all of your existing digital channels, including your website, online banking site, mobile, ATMs, e-statements, and more. With Kernel, you can deliver targeted advertisements that make the most out of your first impression with new users and that help ensure that you continue to engage existing user with offers that are timely and relevant to them as their financial needs evolve. Existing users are presented with ads that are based on their previous purchase history and other actions they’ve taken within your financial intuition’s digital channels, while new visitors are automatically shown your campaign’s best-performing ads until a pattern of user behavior is established.

What It Does


  • Monitors and segments current and new user interaction.
  • Easily integrates with your current digital service channels.
  • Consistently engages users by showing relevant ads based on actions taken within the FI’s digital channels.
  • Automatically shows the best-performing ads to new channel visitors.
  • Measures campaign and ad effectiveness through analytics.
  • Creates ad hoc reports that can be used to better understand user behavior.
  • Securely stores and transfers data.
  • Operates within a PCI-DSS, SOC1, and SOC2 audited infrastructure.

What It Does For Me


  • Improves marketing efforts by delivering targeted ads and increasing campaign effectiveness.
  • Increases profits by driving customers to transactions that generate fee income.
  • Increases operational efficiency through advanced analytics.
  • Offers optimal flexibility by integrating with existing digital channels.
  • Enhances long-term customer relationships by providing service that recognizes existing patterns of behavior.
  • Product Brief
    Kernel™

    Discover the power of targeted digital marketing.
Demo
​Click here to see how Kernel’s near-real time marketing automation platform is easy to implement across all digital channels, and built specifically for the financial industry.