Login Engagement
Reward returning users with a small prize per session. The cheapest, fastest pattern to ship — and the foundation other patterns build on.
- Outcome
- Higher weekly active users, better module-open conversion, foundation for habit formation.
- You push
- A login signal whenever the user opens your app (or reaches the Flourish module). One generic event per session is enough.
- Sample reward rule
- "Open the app this week to earn 1 wheel spin. The wheel pays out cashback or extra spins."
- Key metric
- Repeat-earner rate (week 2 vs week 1) — tells you whether the prize created habit or one-time conversion.
- Time to launch
- 3–4 weeks from kickoff.
See technical implementation in the docs →
Spending Threshold Cashback
"Spend X this month, earn Y back." The most common cashback campaign archetype, and the cleanest way to drive share of wallet.
- Outcome
- Higher monthly spend per user, increased interchange revenue, predictable cashback budget.
- You push
- Every settled card transaction with the amount, currency, and merchant category code. Status updates (chargebacks, reversals) are pushed separately so reversed transactions don't pay.
- Sample reward rule
- "Spend 1,000 BRL on your card this month and earn 30 BRL cashback at month-end."
- Key metric
- Threshold hit rate over the segment — if it's too easy (everyone hits it) or too hard (almost nobody does), tune the target.
- Time to launch
- 4–6 weeks from kickoff.
See technical implementation in the docs →
Transaction-Earned Spin
Every qualifying transaction earns a wheel spin with variable rewards. The variable-reward dynamic is what makes this stickier than guaranteed cashback — users come back to spin.
- Outcome
- More transactions per user, higher engagement spikes around the spin moment, better retention vs flat cashback.
- You push
- Every settled card transaction (or transfer, depending on your product). The wheel mechanics and prize tiers are configured by Flourish ops.
- Sample reward rule
- "Each card transaction earns 1 spin. Wheel pays cashback (1, 5, or 20 BRL), gift cards, extra spins, or empty slot. Big-prize odds rise with transaction value."
- Key metric
- Spin rate (vouchers redeemed / vouchers earned) and win-to-earn ratio.
- Time to launch
- 5–7 weeks from kickoff (the wheel UX configuration adds a couple of weeks vs simpler patterns).
See technical implementation in the docs →
Onboarding Activation
A welcome bonus tied to the first qualifying action. Activation is the highest-leverage funnel stage; this pattern collapses time-to-first-transaction and produces a clean before/after metric.
- Outcome
- Higher activation rate within the welcome window, shorter time-to-first-transaction.
- You push
- Add the user to a "new-users" segment when onboarding completes. Push card transactions as normal. Remove from segment when the welcome window closes.
- Sample reward rule
- "Make your first card purchase within 30 days of opening your account and earn 25 BRL cashback. Bonus paid on next statement."
- Key metric
- Activation rate (completers / segment members) and post-activation retention at week 2 and week 4.
- Time to launch
- 3–4 weeks from kickoff.
See technical implementation in the docs →
Bill Payment Streak
Reward customers every month they pay one or more bills through your product. Bill payment is high-frequency, predictable behavior — an ideal anchor for a long-tail engagement loop.
- Outcome
- Customers consolidate their bills into your product, share-of-wallet on recurring expenses grows.
- You push
- Every bill payment via the bill-payment endpoint, with bill type, amount paid, and payment method.
- Sample reward rule
- "Pay at least 3 bills through us this month and earn 15 BRL cashback. Resets on the 1st."
- Key metric
- Repeat-completion rate (month 2 vs month 1) — distinguishes "we paid for behavior they would have done anyway" from real lift.
- Time to launch
- 4–5 weeks from kickoff.
See technical implementation in the docs →
Time-Bounded Promotion
"Earn a special prize between June 1 and June 30." Time-bounded campaigns create urgency that recurring missions don't, and they pair naturally with marketing pushes.
- Outcome
- Burst of activity within the campaign window. Especially effective for product launches, anniversaries, holiday campaigns.
- You push
- Whatever event drives the campaign — card transactions, bill payments, generic "completed action" events. Same data as your other patterns.
- Sample reward rule
- "Make any 3 card purchases between June 1 and June 30 and earn a 50 BRL gift card. One per customer."
- Key metric
- Burst lift — daily volume during the window vs the equivalent days in the prior month.
- Time to launch
- 3–4 weeks from kickoff.
See technical implementation in the docs →
Tiered Engagement
Bronze, Silver, Gold tiers that reward customers as they advance. Tiered systems lift retention at the top of the funnel (status protection) and create an aspirational ladder for the rest.
- Outcome
- Higher lifetime value at the top tier, clearer progression for everyone, multi-product adoption as users climb.
- You push
- Standard event streams (transactions, bill payments). Plus periodic segment updates: assign each customer to their tier (bronze, silver, gold) based on your criteria; update daily or weekly.
- Sample reward rule
- "Bronze: spend 500 BRL/month, earn 5 BRL cashback. Silver: spend 1,000 BRL/month, earn 15 BRL. Gold: spend 2,000 BRL/month, earn 50 BRL."
- Key metric
- Promotion rate (movement from tier N to N+1 per quarter) and demotion rate. If both are below 5%, the tiers aren't differentiated enough.
- Time to launch
- 5–7 weeks from kickoff (multi-mission setup adds a couple of weeks vs single-mission patterns).
See technical implementation in the docs →
Remittance Engagement
Drive transfer volume, corridor expansion, or send-receive campaigns. The transfer-product equivalent of card-spend cashback — same engine, transfer-specific signals.
- Outcome
- More transfers per user, larger average ticket, expansion to new corridors.
- You push
- A signal per transfer — sender's perspective and (optionally) receiver's perspective. Includes transfer type (PIX, SWIFT, etc.), amount, currency, and corridor.
- Sample reward rule
- "Send 100 USD or more to Mexico in May and earn 2x the standard cashback rate."
- Key metric
- Transfer count and aggregate volume per active customer per week, segmented by corridor and transfer type.
- Time to launch
- 4–6 weeks from kickoff (some transfer-specific data wiring).
See technical implementation in the docs →
