Credit Limit Increase Journeys

Quick Overview

Our Hyperface Journey System now supports a personalised, instant credit limit increase flow for eligible customers. This journey allows banks to run targeted campaign journeys, requiring no additional tech effort from the bank and approve limit enhancements instantly via API integration – all while ensuring compliance and minimising operational effort.

What Does It Solve?

Traditional credit limit increases often involve ticket-based requests, fragmented communications, and long turnaround times, resulting in low conversions. This update enables banks to deliver upgrade offers directly to eligible customers through personalised, digital journeys, removing manual steps, and driving engagement.

Key Features

• Personalised Landing Pages – Every customer gets a unique journey link tailored to them.
  
• Instant Limit Upgrade – Direct API calls to the bank’s system after customer consent.
  
• Compliance Ready – OTP authentication and complete audit logs.
  
• Multi-Channel Campaigning – Works seamlessly over SMS, WhatsApp, email, and other touchpoints.
  

Benefits You’ll Love

• Frictionless Experience – Customers upgrade their limits in seconds.
  
• Operational Efficiency – Reduce ticket volume and manual intervention.
  
• Campaign Flexibility – Test and adapt strategies based on cohort and performance data.
  

Use Cases

• Pre-Approved Cohorts – Offer instant upgrades to customers already cleared by internal risk.
  
• Spend-Based Upsell – Target high-usage customers at peak moments.
  
• Event Campaigns – Tie offers to festive or seasonal spends to boost acceptance.
  

How It Works

1. Cohort Selection – Bank identifies eligible customers after internal risk checks.
   
2. Journey Creation – Hyperface generates personalised links for each customer.
   
3. Campaign Activation – Messages sent via preferred channels to drive engagement.
   
4. Instant Upgrade – On OTP consent, the bank’s API processes the new limit in real time.