Automate Banking
Automate Banking uses real-time data to automatically act on digital banking users who meet your defined rules—instantly and at scale. Eliminate spreadsheets, one-off scripts, and manual cleanup.
Automate changing your users
Automate changing your users' Q2 group membership and sending user notifications seamlessly.
Use our back-office tool on Q2 central/console to configure criteria. It will automatically identify users that meet the specified rules and move them to a target group, send emails, trigger push notifications, or manage their composable dashboard card content.
How automate banking works
Turn real-time account signals into timely, personalized banking actions—automatically.
Define criteria
Create rules based on account data, behavior, risk signals, or lifecycle milestones.
Choose actions
Decide what should happen when a user meets those conditions.
Automate at scale
Automate banking continuously evaluates users and acts automatically — without staff intervention.
Popular automations banks & credit unions use today
Explore the workflows banks and credit unions use to reduce risk, streamline operations, deepen customer relationships, and grow deposits.
Fraud & risk management
Automatically protect your institution without slowing down good users.
- Place new users in a restricted group with lower limits
- Automatically move them to full access after thresholds are met
- Flag suspicious behavior instantly
- Notify users via text, email, or push
Lifecycle & eligibility
Evolve your platform smoothly alongside your users' financial journey.
- Move minors out of youth groups at 18
- Send automatic birthday and milestone emails
- Promote relevant products based on life stage transitions
Inactivity & access
Keep your banking environment secure with automated status protocols.
- Detect inactive users continuously
- Send warning notifications to prompt re-engagement
- Disable idle access accounts automatically
CD & deposit growth
Engage users with tailored financial offers when timing matters most.
- Place new users in a restricted group with lower limits
- Automatically move them to full access after thresholds are met
- Flag suspicious behavior instantly
- Notify users via text, email, or push
Smart alerts & messaging
Prevent common banking issues before they impact customer success.
- Instant low balance alerts with direct funding options
- Automated loan payment reminders
- Incomplete action prompts to finish onboarding
Personalized banking
Deliver the right financial content to the right user automatically.
- Promote high-yield CDs to high-balance users
- Encourage savings adoption through dynamic tips
- Guide and support new users before they churn
Why financial institutions choose automate banking
By combining deep integrations with automated decision trees, modern institutions can scale client communication without sacrificing clean, consistent handoff.
- ✓ Eliminate manual work and free up operational bandwidth
- ✓ Reduce operational risk with ironclad systematic safeguards
- ✓ Improve customer engagement through timely, helpful notifications
- ✓ Automate once, benefit forever with absolute peace of mind
Features & benefits
Rule-based automation engine
Define precise criteria using account data, behavior, and lifecycle signals. Automate Banking continuously evaluates users and acts automatically — no manual monitoring required.
Automated user segmentation
Move users between groups in real time based on eligibility, risk, or activity. Eliminate spreadsheets and manual group management.
Omnichannel messaging
Send emails, text messages, and push notifications automatically using your templates — triggered at the exact moment they matter.
Dashboard personalization
Customize online banking dashboard content dynamically based on who the user is, what they have, and what they need next.
Fraud & risk controls
Automatically restrict access when suspicious behavior is detected and restore full access when confidence increases.
Lifecycle & eligibility automation
Handle age transitions, onboarding milestones, and product eligibility automatically — without missed handoffs.
CD & deposit engagement
Trigger messages around CD maturity, funding gaps, and balance thresholds to retain and grow deposits.
No-code configuration
Create and manage automations without writing code. Business users stay in control.