Maqetin messages new customers who stall before their first transfer.

New customers of digital banks, wallets and lenders stop at the ID check, leave the account empty, or never send a transfer. Maqetin sees each step in your app's events, sends the nudge by email and keeps your codes and receipts on the same record as your marketing. WhatsApp, push and SMS are planned.

Mary Roe

Harbour Money · London · 10:12 BST

Active now

Today · Sunday 18 October

10:12:40

transfer.completedios

amount: 250currency: GBPto: savings

10:05:13

kyc.completedios

tier: 2method: passport + selfie

09:40:00

EmailFinish verifying in two minutesOpened

KYC nudge · template tpl_kyc_reminder

Yesterday

09:39:51

kyc.startedios

tier: 2

09:31:07

user.signed_upios

referral: tiktok

Trigger

KYC started

kyc.started

Wait

Wait 24 hours

Waiting808 here now

Condition

Verified yet?

kyc.completedsince entering

Yes

Exit

Exit

No

Send email

Send KYC reminder

Exit

Exit

Sample workspace: Harbour Money, a digital bank in London.

Planned

Each stage where customers stall will have a journey template.

The templates will start from events your app already sends, such as kyc.started and transfer.completed.

New customers this month, by stage

Signed up

9,840entered

Started KYC

7,21073% of previous

Completed KYC

4,92068% of previous

First deposit

3,61073% of previous

First transfer

2,94081% of previous

Stage	Where people stall	Journey that answers
Onboarding	Signed up, never opened the app again	Welcome series: email
KYC	Started verification, didn’t finish	KYC nudge: email after 24 hours
First deposit	Verified, account still empty	First deposit: email after verification
First transfer	Money in, nothing sent	First transfer: email
Growth	Heavy user on a basic tier	Upgrade nudge: email

Planned report, drawn with sample figures.

Codes and receipts follow their own rules.

A transactional email addressed by user id goes through the same platform and lands on the same profile as your marketing. A profile marked no for marketing still gets a code or a receipt, and a suppressed address gets nothing.

Codes and alerts by SMS, fraud checks on WhatsApp and loan offers by push are planned: SMS with your registered sender ID, WhatsApp with reply buttons that block the card in one tap, push with Accept and View buttons on the notification itself.

FromHarbour Money <hello@mail.harbourmoney.co.uk>SubjectYour loan of £1,500 is approvedPreviewAccept it today and the money lands in your account.

Hi Mary,

Your loan of £1,500 is approved. Accept it today and the money lands in your account.

Accept loan

Harbour Money, London

Planned

You will track KYC completion, first transfers and dormant accounts.

Each number will sit beside the journeys that moved it.

KYC completed within 7 days68.2%▲ 11 ptssince KYC nudge went livekyc.completed ÷ kyc.started, same week

Median time to first transfer2.4 days▼ 1.1 daysvs last quarterFrom kyc.completed to transfer.completed

Transacting at day 3041.5%▲ 4.0 ptsvs September cohortMade a transfer in days 23 to 30 after sign-up

Dormant accounts won back1,240▲ 18%vs last monthapp.opened within 7 days of the win-back message

Planned report, drawn with sample figures.

Data rules, and ad rules that are planned.

A marketing-email flag on every profile

Your app sets it when it identifies the person, and an unsubscribe, a complaint or a hard bounce turns it off.

Ad rules for financial products

Planned: no lookalikes where Meta forbids them, and no audience names that hint at income or credit.

Every staff access on the record

Support can view your workspace only with a stated reason, under a visible banner, logged.

Residency and SSO

Planned: data residency, dedicated infrastructure and single sign-on for your team.

Security and privacy →

Get more of your sign-ups to their first transaction.

Book a demo and we'll show you Maqetin on KYC and first-transaction journeys like yours.