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Small-Dollar In-App Investing
Keep investable assets in-house
Low minimums. High adoption.
Offer the assets members already use.
Risk + goals guidance in plain language.
Personalized portfolios by goal + risk.
AI Guidance That Drives Action
Confidence drives action. Action retains deposits.
Financial Literacy + next best action, in-app.
Automate saves and invest at the right time.
Themes that match what members love
Guided milestones that build habits and increase retention.
Rewards + Habit Building + Engagement
Turn Dormant Accounts Into Active Members
Reward healthy money behaviors.
Earn perks for lessons and actions.
Milestones that keep members on track.
Donate to local causes in-app.
Pear Intelligence
Your growth intelligence layer that turns account holder behavior into deposit retention, CAC savings, product cross-selling interest revenue, and timely next-best actions for your teams
Retain & Grow Deposits
Easily see behavior signals tied to deposit drift, lift and retention
Find High-Value Segments
Identify dormant accounts, high savers, product-ready members, and churn risk
Drive Revenue Growth
Intelligence nudges to your members for next-best-actions to your auto, mortgage, cards offerings
