Credit Cards

Issued is not the same as activated.

For issuers and co-brand programs, the revenue lives after the card ships: activation, first purchase, repeat use, rewards. PXI finds where new cardholders stall on that path, predicts who's next, and moves them forward. Proven against a holdout.

See how it works
PXI NUDGE
Activated Dormant Recovered
Issued, activated, and the ones you can still recover.

The Journey

Every step to an active cardholder is a place to lose one.

A card journey runs roughly issued, activated, first purchase, rewards. Yours has its own steps, and each one is a place to stall.
PXI maps your full journey and groups every drop-off into a Pod: issued but not activated, activated but no first purchase, one-and-done.
Each Pod is priced, so you know which stall costs the most before you touch anything.
One card journey, every drop-off point, and the revenue recovered at each. (Illustrative data.)
ACME Credit Card journey dashboard: the Impact Across Journey Sankey flowing Application Submitted, Card Received, Card Activated, First Purchase, Regular Purchase, Reward Redeemed, with red drop-off bars and the left-rail pods.

How It Works

One agent works every stall point, every week.

Syna Drive runs the loop on each Pod: finds why cardholders stall, predicts who will, tests the message that moves them, and proves the lift against a holdout.
You approve every step, by design. Nothing reaches a cardholder without a named sign-off.
See the full platform

The Proof

The same red bars, inside a real card portfolio.

The Case

A cash-back co-brand card.

Portfolio $38B
Cardholders 1.6M
Co-brand Grocery chain
Featured anonymously, under NDA.
01
Signal
118,000 cards issued but never activated. 26% of new card accounts. Annual friction tax: $14.1M.
02
Pod
One group: issued, never activated.
03
Reason
Unclear activation steps, and a cash-back benefit cardholders didn't understand.
04
Action
Interventions through the issuer's own channels: a mobile activation link, simpler instructions, a rewards reminder, a first-use prompt. Each validated by a controlled experiment.
05
ROI
17,936 cardholders activated. $2.2M in annual revenue recovered. 15.2% of stalled card journeys completed.

From one stall point. The journey had five.

Not projected. Not modelled. Recovered.

Trust & Deployment

Built to clear your risk review.

Human approval, always.
No message sends, no model ships, without a named person's sign-off.
Everything on the record.
Full audit trail with before and after states.
Model governance built in.
Versioned models, published validation metrics, every version retested against control.
Pilot without integration.
One weekly cardholder file. That's the whole ask.
Production without rip-and-replace.
PXI connects to the systems you already run, and our team builds each integration. Your stack stays where it is.

Start here

Start with your worst stall point.

Every card program has one stall point that costs more than the rest. That's the pilot: one stall point, one weekly cardholder file, one measured revenue number in 90 days, proven against a holdout.

The portfolio above worked a single stall point. Its own journey had more.

Watch the 2-minute demo