7 Types of Fintech Email Notifications

Casey Martin

29 May 2019

Email

1 min read

7 Types of Fintech Email Notifications

Key Takeaways

    • Fintech providers lead the way in using transactional and triggered notifications to reduce financial anxiety and build trust.

    • The seven notification types—balance alerts, trading alerts, onboarding, winbacks, surveys, confirmations, and fraud alerts—work together to create a consistent, reassuring customer journey.

    • Personalization plays a major role at every stage, helping users feel informed, safe, and in control of their financial lives.

    • Behavioral triggers (such as browsing actions or inactivity) make notifications more relevant and timely.

    • Compliance remains essential, especially as data privacy laws like GDPR and CCPA apply across financial sectors.

    • These notification patterns also map cleanly to adjacent industries like insurance, lending, and banking.

Q&A Highlights

  • Why are fintech email notifications especially important?

    Because financial activity naturally creates user anxiety and urgency. Well-timed notifications help customers feel informed, secure, and in control—reducing churn and increasing trust.

  • What makes account balance alerts effective?

    They’re clear, timely, and tied to a user-defined threshold. Good balance alerts use simple subject lines, reinforce user control, and introduce mobile-app CTAs naturally without interrupting the core message.

  • How do stock market or trading alerts enhance engagement?

    They surface time-sensitive insights—price thresholds, market shifts, news events—based on watchlists or behavioral signals. This feeds directly into investor decision-making and encourages app re-engagement.

  • What role do onboarding and nurturing emails play in fintech?

    They bridge the gap between sign-up and active usage by teaching users how to get value quickly. Behavioral personalization (like QuickBooks recommending expense features to self-employed users) increases activation.

  • How do win-back emails work for fintech apps?

    They highlight new features, improvements, or benefits users might be “missing,” often paired with testimonials or usage stats. This works well because financial apps are utility-based—value reminders matter.

  • When should fintech companies send surveys?

    Surveys work at nearly every lifecycle stage: onboarding, activation, retention, or churn. They signal that the provider values user input and simultaneously gather data to improve personalization.

  • Are there compliance concerns when gathering survey feedback?

    Yes. Fintech operates in heavily regulated environments. GDPR, CCPA, and industry-specific regulations require transparent data handling, minimal data collection, and explicit consent when needed.

  • Why are order confirmations a powerful email type?

    Because they build trust through predictable, accurate communication. Good confirmations (like AliPay’s) include order details, tracking options, and links to manage transactions—all reinforcing reliability.

  • What makes suspicious activity alerts so critical?

    They directly protect users from fraud. The best versions are concise, list key transaction details, and provide simple “YES / NO” actions. Additional features—like temporary card holds—strengthen user confidence.

  • How should fintech notifications balance content and marketing?

    Transactional emails must stay focused on the core message, with any promotional content placed subtly and only when contextually relevant (e.g., app download links after a balance alert).

  • How does behavioral data improve fintech notifications?

    It allows platforms to trigger messages based on user actions—like browsing stock tickers, ignoring certain features, or going inactive. This increases relevance, engagement, and lifetime value.

  • Can these notification types be applied to insurance, lending, and banking?

    Absolutely. Similar customer psychology applies: users want clarity, control, and reassurance. These patterns translate cleanly into premium alerts, claims updates, loan status changes, and more.

Financial technology providers are right at the forefront of finding relevant ways to deploy transactional and triggered email. That only makes sense, since they’re in constant search of new growth surfaces.

The best of their efforts combine a great grasp of what constitutes “customer service” with a keen understanding of customer psychology. Many people get anxious when it comes to dealing with finances, and the seven examples we’ll share below are each crafted to make the customer experience warmer and more personalized, giving them the sense that they’re the ones in control of the relationship.

And each plays its part in delivering a well-designed customer experience that has continuity and clarity for the customer. As our own Brent Sleeper recently noted, that’s key to making customer engagement a happy place – and not a source of annoyance.

This customer psychology applies across financial services sectors, including insurance, where we've compiled 5 essential email tips for insurance providers to address industry-specific communication challenges.

Financial technology providers are right at the forefront of finding relevant ways to deploy transactional and triggered email. That only makes sense, since they’re in constant search of new growth surfaces.

The best of their efforts combine a great grasp of what constitutes “customer service” with a keen understanding of customer psychology. Many people get anxious when it comes to dealing with finances, and the seven examples we’ll share below are each crafted to make the customer experience warmer and more personalized, giving them the sense that they’re the ones in control of the relationship.

And each plays its part in delivering a well-designed customer experience that has continuity and clarity for the customer. As our own Brent Sleeper recently noted, that’s key to making customer engagement a happy place – and not a source of annoyance.

This customer psychology applies across financial services sectors, including insurance, where we've compiled 5 essential email tips for insurance providers to address industry-specific communication challenges.

Financial technology providers are right at the forefront of finding relevant ways to deploy transactional and triggered email. That only makes sense, since they’re in constant search of new growth surfaces.

The best of their efforts combine a great grasp of what constitutes “customer service” with a keen understanding of customer psychology. Many people get anxious when it comes to dealing with finances, and the seven examples we’ll share below are each crafted to make the customer experience warmer and more personalized, giving them the sense that they’re the ones in control of the relationship.

And each plays its part in delivering a well-designed customer experience that has continuity and clarity for the customer. As our own Brent Sleeper recently noted, that’s key to making customer engagement a happy place – and not a source of annoyance.

This customer psychology applies across financial services sectors, including insurance, where we've compiled 5 essential email tips for insurance providers to address industry-specific communication challenges.

Account Balance Alerts

For users of basic banking services – that checking account or credit/debit card, for instance – it’s always good to be on top of their balances. So using email alerts, triggered by events like getting too close to a credit limit or an overdraft, is a service they appreciate.

The DISCOVER example below from a few years ago is a classic example of how to do this perfectly. To start off, the subject line makes it totally clear what the message is about – and even reminds the customer that they set the alert up in the first place.

In a subtle touch, the pitch for the mobile app is at the end of the message – not intrusive, but a logical place to set this call-to-action to the customer in an email that’s just reminded them how important it is to control their finances.

An email notification from Discover Card, offering links to manage the account and make a payment, accompanied by text instructions and a suggestion to access the account via mobile app or website.

For users of basic banking services – that checking account or credit/debit card, for instance – it’s always good to be on top of their balances. So using email alerts, triggered by events like getting too close to a credit limit or an overdraft, is a service they appreciate.

The DISCOVER example below from a few years ago is a classic example of how to do this perfectly. To start off, the subject line makes it totally clear what the message is about – and even reminds the customer that they set the alert up in the first place.

In a subtle touch, the pitch for the mobile app is at the end of the message – not intrusive, but a logical place to set this call-to-action to the customer in an email that’s just reminded them how important it is to control their finances.

An email notification from Discover Card, offering links to manage the account and make a payment, accompanied by text instructions and a suggestion to access the account via mobile app or website.

For users of basic banking services – that checking account or credit/debit card, for instance – it’s always good to be on top of their balances. So using email alerts, triggered by events like getting too close to a credit limit or an overdraft, is a service they appreciate.

The DISCOVER example below from a few years ago is a classic example of how to do this perfectly. To start off, the subject line makes it totally clear what the message is about – and even reminds the customer that they set the alert up in the first place.

In a subtle touch, the pitch for the mobile app is at the end of the message – not intrusive, but a logical place to set this call-to-action to the customer in an email that’s just reminded them how important it is to control their finances.

An email notification from Discover Card, offering links to manage the account and make a payment, accompanied by text instructions and a suggestion to access the account via mobile app or website.

Stock Market/Trading Alerts

To stay on top of the markets, an investor has to be aware of any shifts that might impact their money – or their chance to make more of it. So emails, either to their regular inbox or to an app inbox, can be set to be triggered by specific developments: a particular stock hits a threshold, the market averages do the same, or reminders to sell off shares on a certain date for tax reasons.

Trading apps have excelled at using email alerts to keep clients on top of movements in the market or key dates. Another trigger? Tracking browsing behavior through the app to deliver relevant content; if a client shows an interest in Apple (though they haven’t watchlisted it), news updates about the company (or other tech stocks) can be dispatched their way.

Smartphone displaying a financial app, highlighting a line graph of stock market trends over six months.

To stay on top of the markets, an investor has to be aware of any shifts that might impact their money – or their chance to make more of it. So emails, either to their regular inbox or to an app inbox, can be set to be triggered by specific developments: a particular stock hits a threshold, the market averages do the same, or reminders to sell off shares on a certain date for tax reasons.

Trading apps have excelled at using email alerts to keep clients on top of movements in the market or key dates. Another trigger? Tracking browsing behavior through the app to deliver relevant content; if a client shows an interest in Apple (though they haven’t watchlisted it), news updates about the company (or other tech stocks) can be dispatched their way.

Smartphone displaying a financial app, highlighting a line graph of stock market trends over six months.

To stay on top of the markets, an investor has to be aware of any shifts that might impact their money – or their chance to make more of it. So emails, either to their regular inbox or to an app inbox, can be set to be triggered by specific developments: a particular stock hits a threshold, the market averages do the same, or reminders to sell off shares on a certain date for tax reasons.

Trading apps have excelled at using email alerts to keep clients on top of movements in the market or key dates. Another trigger? Tracking browsing behavior through the app to deliver relevant content; if a client shows an interest in Apple (though they haven’t watchlisted it), news updates about the company (or other tech stocks) can be dispatched their way.

Smartphone displaying a financial app, highlighting a line graph of stock market trends over six months.

Onboarding & Nurturing

Once you’ve got a user signed up for your Fintech platform or product, it’s important to onboard them effectively so they’ll begin making use of it – and then nurture them through increasing levels of usage and proficiency, getting them to embrace more features (and eventual upgrades). For comprehensive strategies on creating effective fintech onboarding campaigns, see our guide on optimizing FinTech email onboarding for success.

Here’s a great instance from QuickBooks, based on the profile they’ve built of the customer using their in-app and browsing behaviors. In this case, that user is self-employed, so QuickBooks encourages them to make use of its business expense management features – and dangles the opportunity to save on his or her taxes as a carrot.

Another tactic for deepening engagement during this part of the user lifecycle? Sending them a survey or questionnaire about how they use the product, what features they like the most, what they’d like to see added, and so on. This works in later stages, too, as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

An advertisement for QuickBooks Self-Employed highlights the benefits of categorizing transactions to estimate quarterly taxes.

Once you’ve got a user signed up for your Fintech platform or product, it’s important to onboard them effectively so they’ll begin making use of it – and then nurture them through increasing levels of usage and proficiency, getting them to embrace more features (and eventual upgrades). For comprehensive strategies on creating effective fintech onboarding campaigns, see our guide on optimizing FinTech email onboarding for success.

Here’s a great instance from QuickBooks, based on the profile they’ve built of the customer using their in-app and browsing behaviors. In this case, that user is self-employed, so QuickBooks encourages them to make use of its business expense management features – and dangles the opportunity to save on his or her taxes as a carrot.

Another tactic for deepening engagement during this part of the user lifecycle? Sending them a survey or questionnaire about how they use the product, what features they like the most, what they’d like to see added, and so on. This works in later stages, too, as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

An advertisement for QuickBooks Self-Employed highlights the benefits of categorizing transactions to estimate quarterly taxes.

Once you’ve got a user signed up for your Fintech platform or product, it’s important to onboard them effectively so they’ll begin making use of it – and then nurture them through increasing levels of usage and proficiency, getting them to embrace more features (and eventual upgrades). For comprehensive strategies on creating effective fintech onboarding campaigns, see our guide on optimizing FinTech email onboarding for success.

Here’s a great instance from QuickBooks, based on the profile they’ve built of the customer using their in-app and browsing behaviors. In this case, that user is self-employed, so QuickBooks encourages them to make use of its business expense management features – and dangles the opportunity to save on his or her taxes as a carrot.

Another tactic for deepening engagement during this part of the user lifecycle? Sending them a survey or questionnaire about how they use the product, what features they like the most, what they’d like to see added, and so on. This works in later stages, too, as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

An advertisement for QuickBooks Self-Employed highlights the benefits of categorizing transactions to estimate quarterly taxes.

Winback/Re-engagement Messages

Okay, maybe even the very best onboarding and retention efforts weren’t able to keep a customer from drifting away from using an app or service. In that case, fiserv providers can be pretty adept at sending out win-back emails aimed to bring delinquent users back into the fold.

Those can take many forms, but one of the most effective can show the ex-user “what you’re missing!” in terms of new features, and throw in some testimonials to boot. Mint, from Intuit, does of fine job of exactly that, as it frets about the fact the recipient is “missing all the buzz” about those improvements.

Email from Mint promoting new features, displaying customer reviews, media mentions, and social media links.

Okay, maybe even the very best onboarding and retention efforts weren’t able to keep a customer from drifting away from using an app or service. In that case, fiserv providers can be pretty adept at sending out win-back emails aimed to bring delinquent users back into the fold.

Those can take many forms, but one of the most effective can show the ex-user “what you’re missing!” in terms of new features, and throw in some testimonials to boot. Mint, from Intuit, does of fine job of exactly that, as it frets about the fact the recipient is “missing all the buzz” about those improvements.

Email from Mint promoting new features, displaying customer reviews, media mentions, and social media links.

Okay, maybe even the very best onboarding and retention efforts weren’t able to keep a customer from drifting away from using an app or service. In that case, fiserv providers can be pretty adept at sending out win-back emails aimed to bring delinquent users back into the fold.

Those can take many forms, but one of the most effective can show the ex-user “what you’re missing!” in terms of new features, and throw in some testimonials to boot. Mint, from Intuit, does of fine job of exactly that, as it frets about the fact the recipient is “missing all the buzz” about those improvements.

Email from Mint promoting new features, displaying customer reviews, media mentions, and social media links.

Surveys

Another tactic for deepening engagement during practically any part of the user lifecycle? Sending them a survey or questionnaire.

So long as it’s relevant and well-pitched, you can ask them about how they use the product, what features they like the most, what they’d like to see added, and so on. This works practically any stage as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

It’s important to follow the rules, though, since financial services markets are among the most heavily regulated around. And new laws like the GDPR and CCPA make data privacy compliance vital.

Here’s an offbeat example of how one fiserv platform uses a survey. Kabbage provides small business funding, and in this case, gives users a chance to offer feedback to the Federal Reserve. Not only does it make Kabbage look like a bigger player, but also they’re helping give their users a voice with banking system bigwigs.

Kabbage email invitation to participate in a Small Business Credit Survey, emphasizing its purpose to gather insights on business financing and credit.

Another tactic for deepening engagement during practically any part of the user lifecycle? Sending them a survey or questionnaire.

So long as it’s relevant and well-pitched, you can ask them about how they use the product, what features they like the most, what they’d like to see added, and so on. This works practically any stage as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

It’s important to follow the rules, though, since financial services markets are among the most heavily regulated around. And new laws like the GDPR and CCPA make data privacy compliance vital.

Here’s an offbeat example of how one fiserv platform uses a survey. Kabbage provides small business funding, and in this case, gives users a chance to offer feedback to the Federal Reserve. Not only does it make Kabbage look like a bigger player, but also they’re helping give their users a voice with banking system bigwigs.

Kabbage email invitation to participate in a Small Business Credit Survey, emphasizing its purpose to gather insights on business financing and credit.

Another tactic for deepening engagement during practically any part of the user lifecycle? Sending them a survey or questionnaire.

So long as it’s relevant and well-pitched, you can ask them about how they use the product, what features they like the most, what they’d like to see added, and so on. This works practically any stage as a way of showing a provider is interested in their user community. Not to mention how it generates invaluable personalization data.

It’s important to follow the rules, though, since financial services markets are among the most heavily regulated around. And new laws like the GDPR and CCPA make data privacy compliance vital.

Here’s an offbeat example of how one fiserv platform uses a survey. Kabbage provides small business funding, and in this case, gives users a chance to offer feedback to the Federal Reserve. Not only does it make Kabbage look like a bigger player, but also they’re helping give their users a voice with banking system bigwigs.

Kabbage email invitation to participate in a Small Business Credit Survey, emphasizing its purpose to gather insights on business financing and credit.

Order Confirmations

Sending a customer quick and precise order confirmations with some useful features attached is an email tool of many fiserv providers, and it not only builds reassurance with those users but even an expectation of just that kind of reliable contact.

If you haven’t heard of AliPay, you will; it’s the third-biggest online payment solution in China and has seen staggering growth. One of its key strengths is its ability to let users make cross-border payments in any of 16 different currencies. As you can see from the example below, which is a demo for store owners on how AliPay order confirmations work, it’s also an expert in leveraging email.

The message is short and direct and throws in the option of accessing order status and package tracking. These may be just elementary blocking-and-tackling, but they’re the kind of touches that maintain customer loyalty. And, in AliPay’s case, help it sell itself to retailers.

Email confirmation

Sending a customer quick and precise order confirmations with some useful features attached is an email tool of many fiserv providers, and it not only builds reassurance with those users but even an expectation of just that kind of reliable contact.

If you haven’t heard of AliPay, you will; it’s the third-biggest online payment solution in China and has seen staggering growth. One of its key strengths is its ability to let users make cross-border payments in any of 16 different currencies. As you can see from the example below, which is a demo for store owners on how AliPay order confirmations work, it’s also an expert in leveraging email.

The message is short and direct and throws in the option of accessing order status and package tracking. These may be just elementary blocking-and-tackling, but they’re the kind of touches that maintain customer loyalty. And, in AliPay’s case, help it sell itself to retailers.

Email confirmation

Sending a customer quick and precise order confirmations with some useful features attached is an email tool of many fiserv providers, and it not only builds reassurance with those users but even an expectation of just that kind of reliable contact.

If you haven’t heard of AliPay, you will; it’s the third-biggest online payment solution in China and has seen staggering growth. One of its key strengths is its ability to let users make cross-border payments in any of 16 different currencies. As you can see from the example below, which is a demo for store owners on how AliPay order confirmations work, it’s also an expert in leveraging email.

The message is short and direct and throws in the option of accessing order status and package tracking. These may be just elementary blocking-and-tackling, but they’re the kind of touches that maintain customer loyalty. And, in AliPay’s case, help it sell itself to retailers.

Email confirmation

Suspicious Activity Alerts

With the amount of financial black-hattery that happens constantly, it’s reassuring to the customer to know their provider is on top of things. As, for instance, sending them alerts triggered by suspicious activity on a credit card.

The best examples of these (like the one below from Bank of America) are crisp, clean, and to the point: The recipient quickly sees a list of the suspect transactions with enough detail to help them remember if they’d used the card at that location, and can use big YES or NO buttons to let the card provider know if the charges are legit or not.

One extra feature some have suggested?  The power to put a “temporary hold” on a card if the customer isn’t sure about the charges, and needs to check that office or kitchen drawer full of receipts.

Email notification from Bank of America alerts the user to unusual credit card activity, prompting a review of recent transactions and providing steps to report fraudulent usage.

With the amount of financial black-hattery that happens constantly, it’s reassuring to the customer to know their provider is on top of things. As, for instance, sending them alerts triggered by suspicious activity on a credit card.

The best examples of these (like the one below from Bank of America) are crisp, clean, and to the point: The recipient quickly sees a list of the suspect transactions with enough detail to help them remember if they’d used the card at that location, and can use big YES or NO buttons to let the card provider know if the charges are legit or not.

One extra feature some have suggested?  The power to put a “temporary hold” on a card if the customer isn’t sure about the charges, and needs to check that office or kitchen drawer full of receipts.

Email notification from Bank of America alerts the user to unusual credit card activity, prompting a review of recent transactions and providing steps to report fraudulent usage.

With the amount of financial black-hattery that happens constantly, it’s reassuring to the customer to know their provider is on top of things. As, for instance, sending them alerts triggered by suspicious activity on a credit card.

The best examples of these (like the one below from Bank of America) are crisp, clean, and to the point: The recipient quickly sees a list of the suspect transactions with enough detail to help them remember if they’d used the card at that location, and can use big YES or NO buttons to let the card provider know if the charges are legit or not.

One extra feature some have suggested?  The power to put a “temporary hold” on a card if the customer isn’t sure about the charges, and needs to check that office or kitchen drawer full of receipts.

Email notification from Bank of America alerts the user to unusual credit card activity, prompting a review of recent transactions and providing steps to report fraudulent usage.

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