DWH connection · core-banking-dwh (on-premise) Reverse ETL · every 15 min

Enabled Reverse ETL · Full ingestion

48 210 rows in the last hour

Latest rows

From the last sync, 07:00.

03. 11. 07:00 Core banking card_transaction cust_51920 · 3c19…

03. 11. 07:00 Core banking salary_credited cust_77031 · 9e4b…

03. 11. 06:59 Mobile app app_login cust_10482 · d27a…

03. 11. 06:59 Core banking card_transaction cust_33817 · a50c…

Each warehouse row becomes one of these event types.

salary_credited

8d1f2c40-6b7e-4a19-9c03-5e2a7d6f1b84

From: core.salary_postings · Identity rules: customer_id · 18 411 today

card_transaction

3c7a9e12-0f4d-4b8a-a6e1-2d9b7c5f3e60

From: core.card_ledger · Identity rules: customer_id, card_token · Card numbers hashed before load

account_opened

b5e08d73-1a2c-4f69-8e47-0c3d6b9a2f15

From: core.accounts · Identity rules: customer_id

product_holding

e2f4a6c8-9b1d-4e3f-a5c7-1d8b0e2f4a69

From: core.products · Identity rules: customer_id

Back to Search

Profile

a6d2e481-37bc-4f05-9e1a-c84b20d7f913 Real-time

Salary

User-created Real-time

last_credited_at	amount_band	months_in_a_row
3. 11. 2026 07:00	€2 500–3 500	14

Identifiers

User-created Real-time

type	value	source
`customer_id`	`cust_77031`	Core banking
`device_id`	`ios·4f2a…`	Mobile app
`email`	`daniel.n@…`	Mobile app · login
`card_token`	`sha256 · 9e4b…c201`	Core banking · card ledger

Products Held

User-created Real-time

product	opened_at
current_account	12. 4. 2019
savings_account	2. 9. 2021
debit_card	12. 4. 2019

App Usage

User-created Real-time

app_active_30d	last_login	push_reachable
true	3. 11. 2026 06:58	true

Pre-approval

User-created Real-time

preapproved_card_limit	decided_by	valid_until
€3 000	credit risk system	30. 11. 2026

marketing_consent	channels	updated_at
true	push, email	14. 2. 2026

Engage · Profiles

Attributes

Every column on the unified profile. Each attribute traces back to the source event that produced it.

Attribute	Type	Computation	Source	Coverage	Updated
`salary_last_credited_at`	timestamp	MAX(salary_credited.ts)	Core banking · salary_credited	412 880 (61%)	realtime
`salary_months_in_a_row`	number	Consecutive months with salary_credited	computed	412 880 (61%)	1 hr
`preapproved_card_limit`	number	Reverse-ETL from risk.card_preapprovals	Credit risk system	96 304 (14%)	daily
`holds_credit_card`	boolean	product_holding.product = 'credit_card'	Core banking · product_holding	676 950 (100%)	realtime
`app_active_30d`	boolean	Any app_login in the last 30 days	Mobile app · app_login	676 950 (100%)	realtime
`push_reachable`	boolean	device_id AND push consent AND NOT opted_out	computed	371 210 (55%)	realtime
`marketing_consent`	boolean	Latest consent.marketing	Consent platform	676 950 (100%)	realtime
`card_token`	string	SHA-256 of card number, hashed in the bank’s DWH	Core banking · card_transaction	603 118 (89%)	realtime

Back to Realtime Audiences

Used in: 1

Audience 38 640 profiles

Mobile Push Active

Email Active

WhatsApp Not active

3. 11. 2026 07:02

Include

A profile is included when every condition in any include group matches.

Match all conditions in this group

Attribute

Pre-approval

Dimensions

preapproved_card_limit

Greater than

Attribute

Salary

Dimensions

last_credited_at

In the last

Attribute

Consent

Dimensions

marketing_consent

Is

Exclude

Attribute

Products Held

Dimensions

product

Is

Matching profiles

A random sample of people who match this audience right now.

a6d2e481-37bc-4f05-9e1a-c84b20d7f913 Joined 07:02

Customer Id · cust_77031 · 3 more identifiers

Open profile

da5b51b4-35f7-4bc6-9617-b410739e1a5f

User Id · Profile ID 1723a52d…3db9 · 1 more identifier

Open profile

1c493b72-aac4-4f31-8b15-9d2e7b1a6c80

Email · petra.k@… · 2 more identifiers

Open profile

Back to Journeys

Canvas

Add steps from the canvas and keep the journey map in focus while you edit.

Salary credited

Attribute change · salary_last_credited_at

ATTRIBUTE CHANGE TRIGGER

Holdout 10%

90% get the offer · 10% hold out

EXPERIMENT SPLIT

offer · 90%

holdout · 10%

Active in the app?

app_active_30d is true

CONDITION SPLIT

yes

no

Send “Your card is pre-approved”

Card pre-approved · push

PUSH CAMPAIGN SEND

success

error

Advisor task in CRM

CRM · advisor tasks

PROFILE DESTINATION SEND

success

error

Journey settings

Select a node to edit step behavior. Leave the selection empty to manage journey-level metadata and exit criteria.

Journey name *

Description

Cooldown

Exit on

Back to Mobile Push

Mobile Push campaign, sent by the journey “Pre-approved card · salary customers”.

Message

Personalised with Liquid from profile attributes.

Title

{{ profile.first_name }}, your Meridian card is pre-approved

Body

Limit up to €{{ attributes.preapproved_card_limit | default: "1 000" }}. Apply in the app in 2 minutes, no paperwork.

Tap opens

meridian://cards/apply?offer=preapproved

Recipients: push_reachable profiles from the journey
Frequency policy: Max 1 marketing push per 3 days
Sent from: Journey · Pre-approved card · salary customers

Preview

See it as a real customer would.

07:04

MMeridian Bank · now

Daniel, your Meridian card is pre-approved

Limit up to €3 000. Apply in the app in 2 minutes, no paperwork.

Activity

Delivery and engagement since the journey went live.

Pushes sent

21 480

Delivered

20 912

Opened

6 105

Held back by frequency policy

1 344

Engage

Goals

Track progress against the business outcomes your team has committed to this quarter.

💳

Credit cards issued to salary customers

Owner · Cards team

1 240 of 1 500 this quarter

83% · ends Dec 31

📈

Uplift against the 10% holdout

Owner · Analytics

+45% 2.9% applied vs 2.0% in holdout

Measured by the journey’s Experiment Split

🤝

Advisor calls completed

Owner · Branch network

612 of 800 tasks

From CRM task status

🔕

Keep push opt-outs low

Owner · Digital

0.3% target ≤ 0.5%

Hitting target · rolling 30d