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AI Nudges · Must-Have #3 · Product Review

Structured Deposit Past Maturity Card-sort 2.75 / 3

A maturity catch that flags a structured deposit the day it matures — so AED 786,000 in proceeds doesn't sit idle in a low-rate account. Because it's a factual, own-product event, it's fully client-safe and can carry a real “Reinvest” action.

01

User Flow

The nudge fires as soon as the structured deposit matures and the proceeds land idle. The investor reinvests, asks for a reminder, or lets it sit — but never loses track of matured capital by accident.

Start / End Screen / action Investor decision ↓ direction of flow
STARTStructured deposit matures — proceeds land idle
System
AI tracks the maturity
Flags a structured deposit that matured with proceeds not yet reinvested — 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
Matured status → idle proceeds → “why you're seeing this.” Factual, not pushy.
What does the investor do?
Screen
Reinvestment options
Factual own-product terms (Tier 1) — FD, a new structured deposit, or keep in call account.
Outcome
Proceeds reinvested ✓
Capital back to work. Minimal idle days.
ENDRecorded · auto-expires
State
Reminder set
Returns in 3 days — so proceeds don't sit idle for long.
↺ Resurfaces in 3 days — back to  the matured-deposit card
Action
Logged & suppressed
Reinvest anytime from Accounts → Deposits.
ENDProceeds stay in call account
02

Interactive Prototype

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

The journey
1
Trigger & pushLock screen
2
The maturity cardReinvest · Remind · Dismiss
3
Reinvestment optionsFactual own-product terms
4
OutcomeRenew · remind · dismiss
5
Nudges centerReminder · countdown
9:41
Monday, 22 June
A
ALPHEYA · Depositsnow
Your AED 750,000 structured deposit matured. The AED 786,000 proceeds are now sitting in your call account.
↑ tap the notification to open
9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
For you
AED 786k from your matured deposit is idle
Your structured deposit matured on 20 June; the proceeds are in your call account at 4.1%.See reinvestment options →
⌄
Deposit matured⌃
Your structured deposit matured — AED 786,000 in proceeds
It matured on 20 June and the proceeds are now in your call account at 4.1%. Here are ways to put them back to work.
Matured 20 June · sitting idle 5 days
AED 786,000 is in your call account at 4.1% — reinvest to put it back to work.
Sitting in the call account at 4.1% instead of 4.3%, the proceeds give up about AED 1,570 a year in interest while idle.
Why you're seeing this›
Learn: what happens at maturity›
Matured
AED 786k
Idle cash
AED 906k
Your deposits
SD
Structured depositMatured 20 June · proceeds idle
AED 786,000matured
CA
Call accountInstant access
AED 220,0004.10%
SA
Savings accountTier 1
AED 120,0000.50%
Home
Accounts
1Nudges
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9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
Deposit maturednow
Your structured deposit matured — AED 786,000 in proceeds
It matured on 20 June and the proceeds are now in your call account at 4.1%. Here are ways to put them back to work.
Matured 20 June · sitting idle 5 days
AED 786,000 is in your call account at 4.1% — reinvest to put it back to work.
Sitting in the call account at 4.1% instead of 4.3%, the proceeds give up about AED 1,570 a year in interest while idle.
Why you're seeing this›
Learn: what happens at maturity›
Home
Accounts
1Nudges
More
Your reinvestment options
What's at stake
Right now AED 786,000 sits in your call account at 4.1%. Reinvesting puts the matured capital back to work at a higher rate.

Matured deposit

AED 750,000 · 2-year structured deposit · matured 20 June, returned AED 786,000.

Reinvest · current factual rates
Move to 12-month FD
Interest at maturity
BEST RATE
4.30%
New structured deposit
Capital-protected · explore with advisor
4.5–6%*
Move to call account
Full liquidity
4.10%
9:415G
✓

Your proceeds are reinvested

AED 786,000 moves into a 12-month FD at 4.30%. The matured capital is back to work — no more idle days.

New maturity: 25 June 2027. This alert auto-expires once reinvested — 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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Accounts
Nudges
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9:415G

Reminder set

We'll remind you in 3 days, so the proceeds don't sit idle for long.

Reminds you 28 June3 days from now
Reinvest anytimeFrom Accounts → Deposits, no need to wait
Quiet until thenNo push or badge — it just waits in the background
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Accounts
1Nudges
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9:415G

Alert dismissed

Got it. AED 786,000 will stay in your call account at 4.1% until you reinvest — you can do that anytime from Accounts.

Getting too many of these? Adjust maturity & cash alerts in Settings → Notifications.
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Accounts
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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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Accounts
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What happens at maturity

When a structured deposit matures, your capital and any return are returned to your call account. Until reinvested, the proceeds earn the call-account rate — usually lower than a fresh term.

Why you're seeing this

What triggered it

Your structured deposit has matured and the proceeds aren't reinvested 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 reinvestment options → Move to FD, or Remind me in a few days, then open the bell.
03

Habit Building

The habit here is never letting matured capital sit idle. Once the investor sees the radar catch a maturity the day it happens — and reinvest in a tap — they stop checking which deposits have rolled off and trust it to watch every one.

Day it matures
Caught the same day
The structured deposit matures and proceeds land in the call account. The app flags it the same day — not weeks later.
Trust: caught it for me
Within days
Nudged while fresh
Instead of the proceeds quietly earning 4.1% for weeks, a single nudge surfaces the choice while it's fresh.
Trust: didn't let it drift
Reinvested
Back to work
He moves it into a fresh term in a tap. The matured capital keeps compounding — minimal idle days.
Habit: starts to form
Every maturity
Trusts the radar
Across FDs, bonds and structured 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 on the maturity event, 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.