Imagine if your financial institution knew what your account holders actually wanted — and when they were most likely to say “yes.” That’s not a fantasy. That’s data done right. And at Q2 Connect, Sarah Martin, CEO of Pulsate, made the case for why community financial institutions (CFIs) can, and should, step into this future now.

In her conversation with Mike Lawson from CUbroadcast, Sarah unpacked how data isn’t just a backend tool — it’s the fuel that powers better relationships, smarter growth, and more meaningful engagement.

It’s not creepy. It’s context.

Let’s get one thing straight: personalized communication isn’t about being invasive. It’s about being relevant. Sarah emphasized the power of using behavioral and zero-party data to actually serve account holders, whether they’re checking their balance or contemplating a car loan.

For example, if someone just paid off their car, that’s a signal, not just a transaction. Pulsate enables community banks and credit unions to use those signals in a way that feels helpful, not salesy.

From passive channels to powerful conversations

Mobile and digital banking channels often sit underutilized — treated like utilities, not opportunities. But Sarah’s message is clear: these aren’t just service tools. They’re profit engines.

Instead of blasting out generic offers or relying on email campaigns that land with a thud, Pulsate helps institutions deliver timely, personalized messages right inside the mobile and online banking experience.

Translation: less spam, more value.

Competing with neobanks? Lead with trust and timing.

Neobanks may have agility and sleek interfaces, but community financial institutions have something deeper: trust. Sarah pointed out that pairing that trust with smart, timely outreach is how traditional FIs can reclaim and grow their share of wallet.

“It’s not just about selling products,” she said. “It’s about building confidence. When you engage people at the right time, in the right place, with the right message, you become more than just a financial institution. You become their financial partner.”

The takeaway?

Personalization isn’t just a nice-to-have anymore. It’s a must-have. And thanks to platforms like Pulsate’s Opportunities Engine, CFIs don’t need to overhaul everything — they just need to start listening to the data they already have.

Want to hear Sarah’s full take? Check out the interview on CUbroadcast.

Final thoughts

If you’re still sending one-size-fits-all messages, it’s time for an upgrade. Your account holders expect better, and with Pulsate, you can deliver just that.