Salary Data Plan
Get your salary paid in. Unlock 5GB every week it keeps arriving.
- 5GBWeek 1
- 5GBWeek 2
- 5GBWeek 3
- 5GBWeek 4
10GB unlocked this month
For banks and fintechs
Launch your own mobile data plans.
Aura powers mobile data plans for banks and fintechs, helping them incentivise the behaviours that grow transactions and balances.
Transact. Qualify. Unlock. Repeat.
Balance maintainedQualifies this week
Your Bank Data PlanThis month
- 5GBWeek 1
- 5GBWeek 2
- 5GBWeek 3
- 5GBWeek 4
20GB unlocked while the balance holds
The battle for the primary account
Every bank wants to be the account customers live in.
The one where salary lands, balances build and everyday spending happens. Winning it costs money. Keeping it is harder.
Growth spend resets
Campaigns bring customers in. Next quarter, the spending starts again from zero.
Incentives fade
Cashback is spent and forgotten. Points sit unused. Fee waivers become expected.
Ads buy a moment
Attention comes and goes. None of it builds the habit you are paying for.
What customers already value
Your customers buy mobile data every month. It runs their lives.
Work, family, payments, entertainment and getting around all depend on it. It is easy to value, already in the monthly budget, and it is needed again next week.
47%
What Aura makes possible
Your data plan. Your rules. Your customers.
Launch mobile data plans for customers who do the things that grow your business, on the networks they already use.
You decide
- Who qualifies
- What they need to do
- How much data they receive
- How often they qualify
Aura runs everything underneath
- Network connections
- Data delivery
- Reconciliation
- Reporting
Your Bank Your Wallet Everyday Data
Make 3 payments this week. Unlock 2GB.
- DonePayment 1
- DonePayment 2
- To goPayment 3
One more payment to unlock this week’s 2GB
Your Bank Premier Premier Data
Stay in Premier. 20GB arrives every month you keep your Premier criteria.
- 20GBAug
- 20GBSep
- 20GBOct
Your October data is ready
Illustrative. Fictional brandsYour plan carries your name, your colours and your rules, in your app and your messages. The Powered by Aura credit sits beneath it, smaller than your brand.
Data as a routine
Rewarding once creates a moment. Qualifying repeatedly creates a routine.
5GB this week. Another 5GB next week. A monthly allowance that unlocks in weekly steps keeps the behaviour and the benefit tied together, week after week.
A one-off reward
- Week 120GB once
- Week 2Nothing
- Week 3Nothing
- Week 4Nothing
A moment. Once it is spent, nothing ties the customer to the behaviour.
Illustrative amounts
Programmes
Reward the behaviours that grow your business.
Salary paid in, higher balances and more everyday transactions. Activation, reactivation and premium upgrades are routes to the same goal.
Illustrative customer message from a fictional bank:Your BankSalary received. This week’s data is ready.
Win the salary account
Become the account where income lands first. A salary account is the clearest sign of a primary relationship, and the balances and spending that follow it.
- Who it is for
- Customers who already hold an account with you but appear to receive their income somewhere else, as your own data shows.
- Qualifying behaviour
- Salary or regular income paid into the account each month.
- Benefit and how often
- A monthly data allowance that unlocks in weekly steps for as long as the salary keeps arriving. Stop the salary, and the unlocks stop with it.
- How it is measured
- Salary accounts moved to you, compared with a matched group that was not offered the plan, and how many stay in place after the programme.
Illustrative customer message from a fictional bank:Your BankBalance goal kept. This week’s data is ready.
Grow balances
Grow the low-cost deposits you can lend, by giving customers a reason to hold more with you.
- Who it is for
- Active customers with room to keep more of their money in your account.
- Qualifying behaviour
- Holding an agreed average balance, or growing it, through the qualifying period.
- Benefit and how often
- Data unlocks each week the balance is held. The customer can see exactly what keeps the next week coming.
- How it is measured
- Extra balances against a matched control group, what those balances are worth to you, and the programme cost for each extra unit of balance.
Illustrative customer message from a fictional bank:Your BankPayment made. 2 of 3 payments this week.
Build everyday transactions
Make your card, app or account the everyday habit. Frequent use builds the relationship and gives you more chances to offer credit.
- Who it is for
- Customers who use you occasionally and spend most of their everyday money elsewhere.
- Qualifying behaviour
- An agreed number of qualifying payments or transfers each week, of the kinds you choose.
- Benefit and how often
- Weekly data while the habit continues, so the reward is tied to the routine, not to a single purchase.
- How it is measured
- How often customers transact compared with the control group, and the value of those extra transactions to you.
Illustrative customer message from a fictional bank:Your BankFirst payment made. Welcome. Your first data is ready.
Activate new accounts
Turn new sign-ups into active customers, instead of accounts that are opened and left empty.
- Who it is for
- Customers who opened an account recently but have not funded it or started using it.
- Qualifying behaviour
- A first meaningful action, such as funding the account and making first payments, then continuing week by week.
- Benefit and how often
- A first unlock when the customer reaches first value, then weekly unlocks while they keep using the account.
- How it is measured
- Share of new customers who become active, how quickly they get there, and whether they are still active weeks later, each compared with a control group.
Illustrative customer message from a fictional bank:Your BankAccount active again. Week 2 unlocked. Keep it going.
Wake dormant accounts
Bring dormant or inactive customers back, and keep them active rather than winning a one-off return.
- Who it is for
- Customers whose accounts have gone quiet, as you define inactivity.
- Qualifying behaviour
- Returning to the account, then keeping it active for consecutive weeks.
- Benefit and how often
- Data that unlocks for each week of renewed activity, so the value builds as the habit returns.
- How it is measured
- Customers still active several weeks after returning, against a control group. A single login or transaction is not counted as success.
Illustrative customer message from a fictional bank:Your BankPremium criteria met. Your monthly plan is active.
Move customers up to premium
Deepen relationships by helping more customers reach, and stay in, a premium or relationship tier.
- Who it is for
- Customers close to the criteria for your next tier.
- Qualifying behaviour
- Meeting the tier criteria you already set, such as balance, income and activity, month after month.
- Benefit and how often
- A larger recurring data plan as part of the tier, which keeps arriving while the customer keeps the relationship.
- How it is measured
- Tier upgrades and how long customers stay in the tier, against a control group, and revenue for each tier customer.
Illustrative programmes. Your rules, thresholds and amounts are set with you.
Economics
Designed backwards from value.
We start from what a change in behaviour is worth to you, then work out what can profitably be spent to cause it. The reward comes last.
Invested
What the programme spends on service, telecom and data.
Customers reached
The customers offered the plan.
Extra behaviour
The change against the control group.
More balances, transactions or salary
What that change looks like on your books.
Value to you
Priced with your own economics.
Return
Value against spend, measured, not assumed.
What we measure
- Extra balances
- Transaction frequency
- Salary accounts moved
- Cost per extra outcome
What we do not count as success
- Gigabytes given out
- Clicks
- Redemption rates
Every result is measured against a matched control group, so the proof is in your own numbers, not ours.
Try the scenario calculatorThe Aura Method
Start with the behaviour, not the data.
Begin with why customers chose you and what they want to achieve. Then design the trigger, test it, and automate only what works.
Find the opportunity
Why customers chose you, what they want, and what their behaviour is worth.
Design the trigger
Audience, behaviour, threshold, benefit and frequency.
Run the experiment
A test group against a matched control group.
Automate what works
Customer activity triggers qualification and delivery automatically.
Prove the economics
Extra behaviour, its value to you, and the return.
Managed outcomes, not just software
One partner for the infrastructure, software, expertise and operations.
You bring the goal and the customers. Aura designs, runs and proves the programme with you.
You bring
- Growth goal
- Customers
- Economics
- Data
- Approvals
Aura brings
- Design
- Behaviour analysis, programme design and incentive modelling.
- Run
- Integration, telecom operations, data delivery and reconciliation.
- Prove
- Experiments, measurement and continuous improvement.
Where to begin
Start with one experiment.
Prove one routine before you scale it.
- One group of customers
- One valuable behaviour
- One clear test of the economics
- A matched control group
- Scaling criteria agreed up front
Service, telecom and data are covered in one starting commitment.
From first insight to your own data plan
Learn what value means to your customers
Why each group chose you, what they want to achieve, and when they first get real value.
Prove one routine
One group, one behaviour, weekly data while they keep it up, against a control group.
Build a plan for each group
The same ingredients, in a different order and mix for each reason customers bank with you.
Launch your own data plan
Your own branded data plan, across your customer groups.
What does Aura do?
Aura lets your bank or fintech launch its own mobile data plans and use them to reward the customer behaviours that grow your business, such as salary paid in, higher balances and more everyday transactions.
You set the rules. Aura designs the programme within them, runs the telecom side and the data delivery, and measures what changed.
Why mobile data, and not cashback or points?
Customers already buy mobile data every month and use it constantly, for work, family, entertainment, payments and getting around. It is easy to value and already in the monthly budget.
Cashback is spent and forgotten, and points sit unused. Data from your bank arrives week after week, while the customer keeps qualifying, and it carries your name.
How do we know it is working?
Every programme starts as an experiment: one group of customers, one behaviour, measured against a matched control group that is not offered the plan. The difference between the two groups shows what the programme actually caused.
We measure extra balances, transaction frequency, salary accounts moved and the cost of each extra outcome. Gigabytes given out, clicks and redemption rates are not counted as success.
Who decides the rules?
You do. Your bank decides who qualifies, what they need to do, how much data they receive and how often they qualify. Aura designs a mechanism that works within those rules.
How does our brand appear to customers?
It is your data plan, in your brand, in your channels. A small Powered by Aura credit can sit beneath it as a secondary endorsement. Your brand is always the hero.
What does our team need to build?
Aura handles the integration work, telecom operations, data delivery and reconciliation. Your team provides access to the data that shows qualifying behaviour, and the approvals your processes need.
The integration method is agreed with your technology team during planning, based on what your systems already support.
Start with one behaviour. Grow into a plan.
Tell us the behaviour you want more of. We will show you how a first experiment could test it, and what it would need to be worth.