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AI Nudges · Must-Have #2 · Product Review

FD Past Maturity / Funds Idle Card-sort 3.00 / 3

A before-maturity countdown that catches a fixed deposit weeks early — so AED 500,000 never silently drops to the call-account rate. Because it's a factual, own-product event, it earns the highest trust in research and can carry a real “Renew” action.

01

User Flow

The nudge fires 4–8 weeks before maturity — early enough to decide without a rush. The investor renews, asks for a closer reminder, or lets it run. No path ever leaves funds idle by accident.

Start / End Screen / action Investor decision ↓ direction of flow
STARTFD enters its renewal window (4–8 wks out)
System
AI tracks the maturity
Flags an FD approaching maturity with no renewal set — from the investor's own accounts.
Did they tap the push?delivery path
Screen
Opens the alert card
Straight from the lock screen.
Screen
Sees a calm peek
Collapsed in-app — taps to expand. No ambush.
Screen · the nudge
The maturity card
Countdown → rate-at-stake → “why you're seeing this.” Factual, not pushy.
What does the investor do?
Screen
Renewal options
Factual own-product terms (Tier 1) — renew, flexible, or move to call account.
Outcome
FD renewed ✓
Locks the rate. No gap, no idle funds.
ENDRecorded · auto-expires
State
Reminder set
Returns 3 days before maturity — time to decide without the rush.
↺ Resurfaces 3 days before maturity — back to  the maturity card
Action
Logged & suppressed
Renew anytime from Accounts → Deposits.
ENDRuns to default at maturity
02

Interactive Prototype

Tap anything in the phone. Walk the guided path with the arrows, or try See my renewal options → Renew, then open the bell to see the outcome recorded.

The journey
1
Trigger & pushLock screen
2
The maturity cardRenew · Remind · Dismiss
3
Renewal optionsFactual own-product terms
4
OutcomeRenew · remind · dismiss
5
Nudges centerReminder · countdown
9:41
Monday, 22 June
A
ALPHEYA · Depositsnow
Your AED 500,000 fixed deposit matures in 12 days. Review your options before it renews.
↑ tap the notification to open
9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
For you
Your AED 500k FD matures in 12 days
On 4 July it renews at 4.1% in your call account, or 4.3% if you renew the term.See your options →
⌄
Deposit maturity⌃
Your AED 500,000 fixed deposit matures in 12 days
Renew before 4 July to lock today's 4.3% for another year — otherwise it moves to your call account at 4.1%.
Time to maturity · 4 July 12 days
Renewal window is open now — lock today's rate before the date.
Left to roll into the call account, AED 500,000 earns 4.1% not 4.3% — about AED 1,000 a year in foregone interest.
Why you're seeing this›
Learn: how FD renewal works›
Your deposits
FD
12-month fixed depositMatures 4 July · 4.10%
AED 500,000maturing
CA
Call accountInstant access
AED 220,0004.10%
SA
Savings accountTier 1
AED 120,0000.50%
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9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
Deposit maturitynow
Your AED 500,000 fixed deposit matures in 12 days
Renew before 4 July to lock today's 4.3% for another year — otherwise it moves to your call account at 4.1%.
Time to maturity · 4 July 12 days
Renewal window is open now — lock today's rate before the date.
Left to roll into the call account, AED 500,000 earns 4.1% not 4.3% — about AED 1,000 a year in foregone interest.
Why you're seeing this›
Learn: how FD renewal works›
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Your renewal options
What's at stake
Unless you act, AED 500,000 moves to your call account at 4.1% on 4 July. Renewing now locks a higher rate for the next term.

Maturing deposit

AED 500,000 · 12-month FD at 4.1% · matures 4 July.

Renew · current factual rates
Renew · 12-month FD
Interest at maturity
BEST RATE
4.30%
Renew · flexible term
3 / 6 / 9 months
4.0–4.4%
Move to call account
Full liquidity
4.10%
9:415G
✓

Your FD is renewed

AED 500,000 will renew at 4.30% for 12 months on 4 July. No gap, no idle funds.

New maturity: 4 July 2027. This alert will auto-expire at renewal — no clutter left behind.
We'll nudge you again 6 weeks before the next maturity, so it's always your decision.
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9:415G

Reminder set

We'll remind you 3 days before it matures, so you have time to decide without the rush.

Reminds you 1 July3 days before the 4 July maturity
Renew anytime before thenFrom Accounts → Deposits, no need to wait
Quiet until thenNo push or badge — it just waits in the background
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9:415G

Alert dismissed

Got it. On 4 July your FD will move to your call account at 4.1% unless you renew — you can do that anytime from Accounts.

Getting too many of these? Adjust maturity & cash alerts in Settings → Notifications.
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9:415G
←Notification settings
Maturity & cash
FD, bond, structured deposit, idle cash
Portfolio alerts
Drawdowns, risk & drift
Engagement & reviews
Monthly review, milestones
News & insights
Events on your holdings, peer context
Educational
Concept explainers · off by default
Push notifications
Lock-screen, time-critical only

We cap notifications at 2–5 per week across all channels — counted globally, not per category. You can turn any category off without losing the others.

9:415G
Your nudges
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How FD renewal works

When a fixed deposit matures it either rolls into a new term at the current rate, or moves to your call account. Renewing keeps the higher term rate; the call account trades rate for instant access.

Why you're seeing this

What triggered it

Your fixed deposit is approaching maturity and no renewal is set yet.

What it used

Only your own account data — nothing is shared outside the app.

How it's created

Our AI selects from a pre-approved library of nudges. It doesn't write investment advice, and every nudge it sends is logged.

How often

You'll never get more than 2–5 nudges a week, counted across push, email and in-app.

You're in control

Mute or fine-tune any nudge category whenever you like.

Try See my renewal options → Renew, or Remind me closer, then open the bell.
03

Habit Building

The habit here is never letting cash go idle. Once the investor sees the radar catch one maturity early — and that it asks, never auto-acts — they stop tracking dates themselves and start trusting it to watch every deposit.

8 weeks out
Early heads-up
The FD enters its renewal window. The first nudge arrives calm and early — no panic, plenty of time to weigh the options.
Trust: caught it for me
3 days before
Gentle final reminder
If he asked to be reminded, a single, well-timed nudge lands before the date — so nothing slips through the cracks.
Trust: it didn't forget
Maturity day
Renewed on time
The deposit rolls into a fresh term at the locked rate. Funds never sat idle — the money kept working without him chasing it.
Habit: starts to form
Next cycle
Trusts the radar
Across his next deposits, Khalid stops tracking maturities himself. The app watches every one — he just decides when asked.
Habit: established
The guardrail that protects the habit: maturity nudges are event-driven only — they fire inside the 4–8 week window, never on a schedule — and sit under the global 2–5 per week cap. Every reminder is earned by a real, dated event, so the investor never learns to tune them out.