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Emerge for Fintech
Turn transactions into intentions.
Two weeks of house-hunting videos. Mortgage calculators. LISA comparisons. Your users are telling you what they need… just not inside your app. Emerge picks up the signal.
The problem
Most financial products are built on a fraction of the picture.
By the time you see the full picture, your users have already moved on.
[01]
Your users expect
personalisation, immediately.
Your users expect
personalisation, immediately.
Most fintech apps need weeks or months of in-app behaviour to understand a user.
The ones who stayed got a generic experience during the window that mattered most.
Most fintech apps need weeks or months of in-app behaviour to understand a user.
The ones who stayed got a generic experience during the window that mattered most.
[02]
The richest data
about your users lives outside your app.
The richest data
about your users lives outside your app.
Transaction data tells you what already happened.
Google searches. YouTube deep dives. Browsing sessions on comparison sites. That’s where intent lives.
Transaction data tells you what already happened.
Google searches. YouTube deep dives. Browsing sessions on comparison sites. That’s where intent lives.
How Emerge helps you understand your users
Start personalising and predicting.
Personalise from day one.
Personalise from day one.
Gain instant context about your users without any of the noise. Emerge translates your users’ data into clear insights for you.
No more waiting. No more guessing.
Gain instant context about your users without any of the noise. Emerge translates your users’ data into clear insights for you.
No more waiting. No more guessing.
Without Emerge
Without Emerge
New user signs up
New user signs up
You know their name, email, maybe their age. The app experience is identical to every other new user.
You know their name, email, maybe their age. The app experience is identical to every other new user.
Weeks pass. You observe.
Weeks pass. You observe.
Transaction data trickles in. After 6 weeks, you can maybe suggest a savings goal.
Transaction data trickles in. After 6 weeks, you can maybe suggest a savings goal.
Transaction data trickles in. After 6 weeks, you can maybe suggest a savings goal.
But they've already left.
But they've already left.
Your personalisation engine never got the chance to start.
Your personalisation engine never got the chance to start.
With Emerge
With Emerge
New users link their accounts
New users link their accounts
In a few clicks, you instantly have years of context.
In a few clicks, you instantly have years of context.
Your app knows them immediately
Your app knows them immediately
Gmail receipts show they shop at ASOS and Deliveroo weekly. YouTube shows investing tutorials. Google searches reveal ISA comparisons. The full picture, from the first session.
Gmail receipts show they shop at ASOS and Deliveroo weekly. YouTube shows investing tutorials. Google searches reveal ISA comparisons. The full picture, from the first session.
Their first session feels relevant
Their first session feels relevant
"We noticed you've been exploring ISAs — here's how ours compares." Relevant nudges. Users who stay.
"We noticed you've been exploring ISAs — here's how ours compares." Relevant nudges. Users who stay.
Stay several steps ahead
Stay several steps ahead
Catch your users' intent before it even happens. Your users make financial decisions every day, outside your app.
With Emerge, you see these signals in real time and act on them before the moment passes.
Catch your users' intent before it even happens. Your users make financial decisions every day, outside your app.
With Emerge, you see these signals in real time and act on them before the moment passes.
Predictive insights in action
Understand the moments that matter.
Real signals from outside your platform. Fully consented. Stitched together to reduce risk and build trust.
GMAIL
10 receipts from Nike in the last year
User has made multiple purchases from Nike in the last year, suggesting they have an interest in activewear.
YOUTUBE
"Best running shoes 2025"
User has watched 3 running gear reviews in 6 days. They're in research mode.
12 days ago
SEARCH
"Nike.com: Pegasus 41, size 10, added to basket"
They're narrowing down. Followed by "Nike Pegasus 41 best price UK." The decision is forming.
7 days ago
BROWSING
Nike.com: Pegasus 41, size 10, added to basket
They've decided. Checking prices across a few retailers. The purchase is coming.
3 days ago
your app
"25% discount on Nike this week."
Help your users save money and your partners build brand loyalty. Timed. Helpful. Valued.
GMAIL
10 receipts from Nike in the last year
User has made multiple purchases from Nike in the last year, suggesting they have an interest in activewear.
YOUTUBE
"Best running shoes 2025"
User has watched 3 running gear reviews in 6 days. They're in research mode.
12 days ago
SEARCH
"Nike.com: Pegasus 41, size 10, added to basket"
They're narrowing down. Followed by "Nike Pegasus 41 best price UK." The decision is forming.
7 days ago
BROWSING
Nike.com: Pegasus 41, size 10, added to basket
They've decided. Checking prices across a few retailers. The purchase is coming.
3 days ago
your app
"25% discount on Nike this week."
Help your users save money and your partners build brand loyalty. Timed. Helpful. Valued.
The numbers
Context increases conversion.
Intent increases revenue.
Every metric moves when you start
understanding your users.
Every metric moves when you start predicting instead of reacting.
+202%
+202%
Conversion Rate
Conversion Rate
Relevant from the first session.
Users see products that match their actual goals, not generic suggestions.
Relevant from the first session.
Users see products that match their actual goals, not generic suggestions.
+40%
+40%
Revenue Per User
Revenue Per User
When you understand intent, you surface the right information at the right moment.
Better timing, better outcomes.
When you understand intent, you surface the right information at the right moment.
Better timing, better outcomes.
+25%
+25%
Retention Rate
Retention Rate
Your users want a partner, not another financial sales manager.
Understand your customers. Build trust.
Your users want a partner, not another financial sales manager.
Understand your customers. Build trust.
Case study
How Danny Discounts
makes every interaction
personal with Emerge.
"
Before Emerge, we were starting from zero. Users would drop off before we even had a chance to understand what they wanted.
Now, we can tailor offers to every user from day one. It's been a game-changer.
Before Emerge, we were starting from zero. Users would drop off before we even had a chance to understand what they wanted.
Now, we can tailor offers to every user from day one. It's been a game-changer.
J
J
Founder & CEO, Danny Discounts
Founder & CEO, Danny Discounts
+202%
+202%
CONVERSION RATE
CONVERSION RATE
+40%
+40%
CONVERSION RATE
CONVERSION RATE
+25%
+25%
RETENTION RATE
RETENTION RATE
3x
3x
RECOMMENDATION UPTAKE
RECOMMENDATION UPTAKE
