Action Cards Widget

Action Cards is a widget that tells customers what matters most in their financial life right now, and what they should do about it. Where most of Bud's widgets are built to help a customer understand their existing financial position, Action Cards answers the "so what", surfacing prioritized, timely prompts such as topping up a balance before it triggers a fee, reviewing a duplicate charge, or catching a payment that hasn't arrived on time.

How it works

Bud continuously calculates the full range of insights available for a customer across their balances, income and spending. Action Cards sits on top of this and decides which of those insights are genuinely relevant to a customer at any given moment, surfacing only the most important ones rather than showing everything that could technically be said in order to avoid overwhelming the customer. Where relevant, each action card links back to the specific accounts and transactions used to calculate it, so the customer always has the supporting detail behind the message they're being shown.

Action cards are also designed to stay relevant automatically. Each card has a limited number of times it will be shown to a customer before it's retired, and this is tracked per customer as views accumulate. This means a customer is never repeatedly shown the same message indefinitely. Cards that go unacknowledged for long enough fall away, and the set of cards shown continues to reflect what's currently relevant rather than what was relevant when the customer first connected their accounts. We optimize this behavior for relevancy and engagement, not for maximising the number of cards shown.

Customizing which action cards are shown

Action Cards can be configured at two levels:

Client: Clients can choose which action card types are available to their customers, and can configure the same triggering thresholds used by the underlying insight (for example, the balance amount that triggers a Low Balance card). This can be done by raising a support request.

Customer: Within the widget, customers can manage their own preferences and turn off specific action card types they don't want to see, ensuring the action cards they’re shown are always most relevant to them.

Action card types

Action Cards supports a growing number of out of the box cards which will be added to over time. Clients can also create custom action cards through Drive using Campaigns. Current action cards include;

Action card	What triggers it	Example title	Example content	Call to action
Low balance	An account balance drops below a configurable threshold.	Your Everyday checking balance is low.	You have $20 left in your Everyday checking account. Keep an eye on your spending to make sure it lasts until your next top-up.	-
Nearing credit limit	Credit utilization on a credit card exceeds a configurable threshold	You're nearing your Platinum credit card credit limit	You have $120 of credit remaining out of your $3000 limit. Going over may decline future transactions. Consider making a repayment to free up credit before you reach the limit.	-
Cannot cover payments	Forecasted balance won't cover predicted upcoming bills	You might miss a payment.	You have 5 regular payments due from your Everyday checking account over the next 12 days. As it stands, your current balance won't cover all of them, even with your expected income from 'Walmart'. To help avoid missing a payment, add at least $34 to your account within the next 12 days.	View [x] payments
Entered overdraft	An account balance has fallen below zero	You're in your Everyday checking overdraft	You've used $25 of your $200 overdraft limit, leaving $175 left before you reach it. Transfer money into your account to bring your balance back to zero.	-
Payment increase	A recurring payment's amount changes by more than a configurable percentage/amount	Netflix price increase.	You're now paying $20 a month for 'Netflix', up $3 from last time. This adds up to $36 more a year. Your next payment is expected in 26 days.	View payment
Regular income changed	A recurring income amount changes by more than a configurable percentage/amount	Your 'Walmart' income has gone up.	Your monthly income from 'Walmart' is now $2000, up $200 (a 9% rise) from last time. Over a year, that's $2400 more.	View payment
Late payment	A forecasted recurring payment hasn't arrived within a configurable window	Your 'Netflix' payment didn't go through.	Your 'Netflix' payment of $20 is usually charged around this time, but hasn't gone through yet. This could mean your payment details have changed, the payment is delayed, or it's no longer due. If you weren't expecting this, check with the recipient to make sure everything is up to date.	-
Late income	A forecasted regular income hasn't arrived within a configurable window	Your 'Walmart' income hasn't arrived.	Your income from 'Walmart' of $2000 is usually deposited around this time, but hasn't come through yet. This may affect paying upcoming bills. If this isn't expected, check with the income provider to confirm there's no delay.	-
Suspected duplicate charge	Two matching debit transactions (same amount, description, day) have occurred	You may have been charged twice.	You were charged $12 twice at 'Starbucks' on 04 July. If this wasn't intentional, contact 'Starbucks' to confirm which charge is correct and request a refund.	View payments
New merchant	A transaction from a merchant the customer hasn't previously used	New merchant: 'Starbucks'	You made your first payment to 'Starbucks' of $15.	View payment

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Please note, for some action cards there are multiple variations of the content depending on the customers set of transactions such as whether they have a regular income or the type of regular payments that they have. The examples shown above are just one of these variations.

As illustrated in both the table above and image below, where an insight relates to specific accounts or transactions these will be explicitly referenced in the copy or linked to as part of the CTAs of the action card.

Campaigns

Beyond the out of the box action cards, clients can create their own custom action cards through Campaigns configured in Drive. Campaigns appear in the same widget, alongside out of the box action cards, giving clients a way to surface their own bespoke messaging and promotions using the same experience customers are already familiar with.

When configuring a campaign within Drive clients have the option to define; the audience, priority, content, including headline, message, button text, button URL and image, as well as any triggers (the underlying logic) for the campaign.

Once a campaign has been delivered, clients are able to track the performance of the campaign within Drive on the performance tab, including; impressions, reach, impression rate, total clicks, unique clicks and click through rate.

Prioritization and personalized ranking

When customers first start using action cards they will have a default ranking determining the priority that they’re shown. Over time, this order is personalized on a customer by customer basis, based on how that customer has previously engaged with cards, for example, cards a customer regularly dismisses will be shown less often, while cards they interact with are prioritized more prominently. This happens automatically and requires no extra configuration from clients. It ensures that each customer receives a truly personalized experience based on their own financial aims and interests.

If you have any questions, please contact us via the chatbot (bottom-right of screen 👉) or via a support request or check our FAQs.