Hyper-personalized banking, built into your app
Engage turns every customer’s financial data into a digital experience that feels made for them. With AI-powered Intelligent Search, proactive Action Cards and a weekly summary of their money, customers can truly understand their finances and how to improve them.
Trusted by over 400 institutions globally
Most banking apps are a utility: opened when customers have to, and closed as soon as they can
For most customers, the entire banking relationship consists of checking their balance and paying their bills. The data in your app could help them understand everything from a single purchase to next month’s cash flow, and give them a reason to come back. Instead, the moment passes, and with it the chance to advise or offer something better.
Of customers check transactions in their banking app at least once a day (Bud research)
Wish their bank gave them more information about their spending habits (Bud research)
Search that actually answers your customers’ questions
Intelligent Search turns a simple list of transactions into a source of insights. Customers type a merchant, a word or a question, and it returns the right transactions, a clear summary and a relevant product offer from you.
- Ask anything in plain language: “When was I last paid?” – semantic search understands the intent behind the keywords
- Real answers: A short insight for every search (totals, trends or price changes) with a link to the transactions behind it
- Every transaction is instantly recognizable: Intelligent Search returns clean merchant names, logos, categories and locations on a map
- The right offer at the right time: Suggested searches, bank messages and relevant product offers appear next to the answer
Of customers wish their bank showed more information about their transactions
Better at recognizing transactions when shown a merchant name and logo
Proactive by design
Engage doesn’t wait for customers to go looking. It tells each customer what matters, sums up their week and puts every feature one tap away.
Tell your customer what matters, before it happens
Action Cards turn Bud’s insights into short, prioritized prompts: top up before a payment fails, check a duplicate charge, review a price rise. Each one says what happened and what to do next.
- Dozens of ready-made card types, from “you might miss a payment” to late income and suspected duplicate charges
- Ranked individually based on the customer’s priorities, and re-ranked as they engage. Customers can also turn off any cards they don’t want
- Add your own offers and messages as campaigns from Drive, with impressions and engagement tracked
For you
5 payments are due in the next 12 days. Add at least $34 to cover them all.
View 5 paymentsYou now pay $17.99 a month, up $3 from last time. That’s $36 more a year.
View paymentA personal summary, every week
Insight Summary turns last week’s finances and the week ahead into a short story customers tap through, like the stories they already know from social apps.
- Picks what’s worth highlighting for each customer from 20+ insight types: income, top categories, price changes, budgets, bills coming up
- Webhooks tell you when a new summary is ready, so you can bring customers back with a push notification
- Built-in feedback on every insight, so the story keeps getting more relevant
Your weekly summary
Here are your personalised insights from the past week.
The embeddable money management features your customers expect
A library of features covers everyday finances: Accounts, Spending Analysis, Budgets, Savings Goals, Recurring Payments and Net Worth. These compact tiles bring the most useful numbers to your home screen, and allow customers to dive into the full details when needed.
- Accounts, Balances Over Time, Spending Analysis, Budgets, Savings Goals, Financial Calendar, Recurring Payments, Net Worth, plus Intelligent Search, Action Cards and Insight Summary
- Widget Tiles: glanceable, insight-first cards sized for a home screen or dashboard
- Styled to your brand: colors, font, light and dark mode, and built to WCAG 2.2 AA
Not another PFM dashboard
Traditional personal finance management shows customers charts of what has already happened. Engage understands each customer’s financial position, looks ahead and tells them what’s about to happen, creating a personal experience.
Built on a deep understanding of transactions
Bud’s Enrich models clean and label every payment with category, merchant, logo, location and regularity, trained on more than 50 billion transactions.
Refined for every customer
Advanced models then build a picture of each person: income, bills, subscriptions, spending patterns and what’s likely to happen next.
Proactive, not reactive
Engage spots a missed payment, a price increase or a late salary as it happens, and tells the customer what to do – personalized by what matters to them.
A modern experience out of the box
Intelligent Search, story-style Insight Summary and glanceable Widget Tiles, designed with best-practice UX in mind, accessible and styled to your brand.
What Engage does for your bank
Build engagement and loyalty
Give customers a reason to open your app beyond checking a balance. A clear view of their money, timely prompts and a weekly story turn routine logins into a meaningful relationship.
Upsell success with Bud-powered experiences, against 49% with business as usual
Customer NPS with Bud’s money management insights (TotallyMoney)
TotallyMoney
Increase in average daily app sessions (Jaja)
Jaja
More interactions from customers who connected accounts from several providers (First Direct)
First Direct
Of users would be very disappointed to lose their money management features (Zopa)
Zopa
“We believe financial clarity should be simple and efficient for our customers. By partnering with Bud, we’ve transformed raw transaction data into meaningful insights that empower our customers to better understand and manage their spending.”
Launch with widgets, go deeper with APIs
Embed widgets
Add any widget to your web or mobile app with a secure, per-customer URL. Theme it to your brand, with light and dark mode, and follow our UX best practice from day one.
Widget docs →Build with APIs
Use the same insights, Intelligent Search and Action Cards in your own UI. Webhooks tell you the moment an insight fires or a summary is ready.
API reference →Any data source
Stream or batch your own transaction data to Bud, add open banking data through Bud Connect, or combine both for a complete view of each customer.
Frequently asked questions
What is Bud Engage?
Engage is Bud’s suite of hyper-personalized digital banking experiences for banks, credit unions and fintechs. It includes Intelligent Search, Action Cards, Insight Summary and a library of money management widgets, all powered by Bud’s transaction enrichment and available as widgets or APIs.
Is Engage a PFM (personal financial management) tool?
Engage covers everything customers expect from PFM: Spending Analysis, Budgets, Savings Goals, Financial Calendar, and goes further, with AI-powered Intelligent Search, proactive Action Cards ranked for each customer and a weekly Insight Summary. Think of it as the next generation of PFM, built to drive engagement and revenue for the bank.
How does Intelligent Search use AI?
Intelligent Search combines semantic search with large language models to understand what a customer is asking, then answers from their own enriched transactions. Every insight links to the transactions used to calculate it, so answers are always explainable.
Can we add our own messages to Action Cards?
Yes. Beyond the ready-made card types, you can create your own cards as campaigns in Drive – choosing the audience, priority, content and trigger – and track impressions and clicks for each one.
Can Engage match our brand?
Yes. Widgets can reflect your brand, and support light, dark and system modes. If you want full control of the design, build your own interface on the Engage APIs.
What data does Engage need?
Transaction and account data. You can send your own data to Bud in real time or in batches, connect external accounts through open banking with Bud Connect, or use both.
Does Engage work in our mobile app?
Yes. Widgets load in web and native apps through an iframe or web view, and every feature is also available by API if you prefer a fully native build.
Are the widgets accessible?
Every widget is built with WCAG 2.2 AA in mind, including screen reader support, keyboard navigation, sufficient color contrast and support for up to 400% zoom.