The investor-facing nudge prototypes for product review, built in priority order from the research card-sort. Each opens as a clean walkthrough: user flow → interactive prototype → habit building. We approve the flow on each before moving to the next.
| Signal | What the research found | How it shaped the design | Flows |
|---|---|---|---|
| 2.72 / 3 | Factual “Alert” nudges score highest on trustTied to a verifiable event, they bypass the AI credibility gap — trust holds even with no prior AI relationship. | We led with factual, event-driven alerts (drawdown, maturities) and built them first. | 123 |
| 4.6 → 3.3 | Trust collapses on model-derived judgmentsA bond-maturity alert scored 4.6/5 trust; a risk-mismatch judgment only 3.3/5 — the same content is trusted as a fact, distrusted as an opinion. | Risk & drift nudges lead with a gauge and hand the decision to an advisor — the app never poses as the expert. | 56 |
| −2 pts | A cold AI disclaimer erodes trust“AI-generated, may be inaccurate” dropped trust 5 → 3. | We removed the cold disclaimer; “Why you're seeing this” credits our AI working on your own data, with the disclaimer kept only on educational content. | All |
| +Act | Impact statements are the strongest action leverA one-line consequence of inaction drives engagement more than any other change. | Every card carries a one-line impact line — “lock in −AED 162k”, “≈ AED 1,000/yr foregone”. | All |
| 100% | A visual is required on every cardNumbers alone don't land; gauges, countdowns and zones do. | Each nudge leads with a visual: sparkline, countdown, idle-tracker, inflation bars, or a risk gauge. | All |
| 4–8 wks | Reinvestment timing has a sweet spotMaturity guidance lands best 4–8 weeks out, with a final reminder near the date. | Maturity nudges fire before maturity with a countdown + daily idle-cash framing. | 23 |
| 36% | Market alerts are the #1 demanded featureTop digital-feature ask in the survey — validates leading with the Alert type. | Alerts are the Wave-1 launch set; only time-critical types earn a push. | 123 |
| Off by default | Sophisticated investors switch generic education offIt's only useful pinned to a live event or a new-topic onboarding signal. | Educational nudges are off by default, in-app only, and pinned to a live event — plus an opt-in “Learn” sheet on alerts. | 4All |
| 2–5 / wk | Beyond ~5 nudges a week, uninstalls spikeNotification fatigue is the top disengagement risk. | A global 2–5/week cap (shown in Settings), respectful snooze/dismiss, and auto-expiry so nothing nags. | All |
| Tier 3 | Securities-specific guidance needs a licensed advisorWithout an SCA Cat-5 licence, the app can't advise on securities. | Risk/drift route to the RM; a no-RM client down-converts to an advisor booking + education — never silent. | 56 |