AI Nudges · Must-Have #4 · Product Review

Cash Sitting Idle / Inflation Drag Card-sort 2.75 / 3 Tier 2 · Educational

An educational nudge that flags cash sitting idle and quietly losing ground to inflation — then bridges to higher-yield options within the client's own accounts. As a Tier-2 educational nudge it surfaces in-app, never as a push, carries a disclaimer, and never says “invest now.”

User Flow

Educational nudges aren't pushed — they wait in-app, pinned to a live event (idle cash detected). The investor explores own-product options, asks for a reminder, or dismisses. No “invest now,” and a disclaimer is always present.

Start / End Screen / action Investor decision ↓ direction of flow

STARTIdle cash detected — above the usual buffer

System

AI spots the idle cash

Cash sitting well above the usual buffer at a low rate — from the investor's own accounts. Education off by default; this is pinned to the live event.

In-app · not pushed

Calm peek, in-app

Waits in the feed as a collapsed peek — no lock-screen interruption for education.

Screen · the nudge

The cash insight card

Inflation-drag visual → impact figure → “why you're seeing this” → disclaimer. No buy/sell.

What does the investor do?

Screen

Ways to work harder

Own-product options (FD, structured deposit, keep a buffer) — educational, disclaimer present.

Outcome

Moved to higher yield ✓

Own-product move. Cash put to work, buffer kept.

ENDRecorded in Nudges Center

State

Reminder set

Returns in a month — kept on the radar, no pressure.

↺ Resurfaces in a month — back to the cash insight card

Action

Logged & suppressed

Cash stays put. Explore anytime from Accounts.

ENDCash stays in the account

Interactive Prototype

Tap anything in the phone. This nudge defaults to in-app. Walk the guided path with the arrows, or try See ways to make it work harder → Move to FD, then open the bell.

The journey

Open app · peekCollapsed card

The cash insight cardExplore · Remind · Dismiss

Ways to work harderOwn-product · educational

OutcomeMove · remind · dismiss

Nudges centerReminder · countdown

9:41

Monday, 22 June

ALPHEYA · Insightsnow

A note on the cash sitting in your account — and ways it could work harder.

Educational nudges are in-app by default. This push only appears if the client opts in.

↑ tap the notification to open

9:415G

AAlpheya

Good morning, Khalid

Total portfolio value

AED 3.10M

For you

AED 750k has been sitting in cash

At 0.5% it's slipping behind inflation.See ways it could work harder →

⌄

Cash insight⌃

AED 750,000 has been sitting in cash

It's earning 0.5% while inflation is around 2.5% — here are ways it could work harder for you, all within your own accounts.

Your cash earns0.5%

Inflation (approx.)~2.5%

The gap is what idle cash quietly loses in real terms.

At 0.5% vs ~2.5% inflation, AED 750,000 loses roughly AED 15,000 a year in real value.

Why you're seeing this›

Learn: what inflation does to idle cash›

In cash

AED 750k

Earning

0.5%

Your accounts

Current accountIdle since March · 0.5%

AED 750,000idle

12-month fixed depositMatures in 12 days · 4.10%

AED 500,000maturing

Savings accountTier 1

AED 120,0000.50%

Home

Accounts

1Nudges

9:415G

AAlpheya

Good morning, Khalid

Total portfolio value

AED 3.10M

Cash insightnow

AED 750,000 has been sitting in cash

It's earning 0.5% while inflation is around 2.5% — here are ways it could work harder for you, all within your own accounts.

Your cash earns0.5%

Inflation (approx.)~2.5%

The gap is what idle cash quietly loses in real terms.

At 0.5% vs ~2.5% inflation, AED 750,000 loses roughly AED 15,000 a year in real value.

Why you're seeing this›

Learn: what inflation does to idle cash›

Home

Accounts

1Nudges

Ways to make it work harder

What's at stake

Held at 0.5%, AED 750,000 earns about AED 3,750 a year. At today's deposit rates it could earn materially more — without leaving the bank.

Your idle cash

AED 750,000 · current account · 0.5% · idle since March.

Options · current factual rates

12-month fixed deposit

Interest at maturity

HIGHER YIELD

4.30%

Structured deposit

Capital-protected · explore with advisor

4.5–6%*

Move a portion, keep a buffer

Stay liquid for day-to-day

flex

Rates are indicative and subject to change. *Structured-deposit returns are not guaranteed beyond capital protection.

9:415G

✓

Your cash is working harder

AED 600,000 moves into a 12-month FD at 4.30% — about AED 25,800 a year vs AED 3,000 in cash. AED 150,000 stays accessible as your buffer.

Your day-to-day buffer of AED 150,000 stays in your current account — instant access kept.

We'll only flag idle cash again if a large balance builds up — never on a schedule.

Home

Accounts

Nudges

9:415G

Reminder set

We'll bring this back in a month so it stays on your radar — no pressure in the meantime.

Returns in a monthAround 22 July · appears back in your feed

Explore anytimeFrom Accounts → Deposits, no need to wait

Quiet until thenNo push, no badge — it just waits in the background

Home

Accounts

1Nudges

9:415G

Insight dismissed

Got it — your cash stays where it is. You can explore higher-yield options anytime from Accounts.

Prefer not to see cash insights? Turn off educational nudges in Settings → Notifications.

Home

Accounts

Nudges

9:415G

←Notification settings

Educational & insights

Cash, inflation, concept explainers · off by default

Maturity & cash

FD, bond, structured deposit, idle cash

Portfolio alerts

Drawdowns, risk & drift

Engagement & reviews

Monthly review, milestones

Push notifications

Educational stays in-app even when on

Educational nudges are off by default and never pushed — they only appear in-app, pinned to a live event. We cap all notifications at 2–5 per week across channels.

9:415G

Your nudges

Home

Accounts

Nudges

What inflation does to idle cash

Cash keeps its number, but not its buying power. When prices rise faster than the interest your cash earns, the same balance buys a little less each year — even though the figure on screen never drops.

What AED 750,000 really buys over time

The number on screenWhat it actually buys

Today

AED 750k

In 5 years

≈ 660k

In 10 years

≈ 580k

If the balance earns ~0.5% while prices rise ~3% a year, the number stays put — but it buys roughly AED 170,000 less in ten years.

Why it's easy to miss

The number never falls. The erosion is invisible — your balance looks identical while it quietly buys less.
It compounds. A small yearly gap becomes a meaningful sum over several years.
Not all cash is "idle." An emergency buffer and near-term spending should stay liquid — it's the surplus sitting still that drags.

The trade-off to understand

Options that aim to outpace inflation usually ask for something in return — less instant access, or some ups and downs in value. Knowing how much cash you genuinely need on hand is the first step in deciding what the rest could do.

Why you're seeing this

What triggered it

We spotted cash sitting in your account above your usual buffer for a while, earning a low rate.

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.

Why it's educational

This is general education pinned to a live event in your accounts — it's off by default, never pushed, and never tells you to invest.

You're in control

Mute or fine-tune educational nudges whenever you like.

Try See ways to make it work harder → Move to FD, or tap Why you're seeing this for the info sheet.

Habit Building

The habit here is cash awareness — noticing when money is drifting unproductively. Because it's educational and never pushy, trust builds from it being genuinely useful and rare, not from frequency.

Cash builds up

Quietly noticed

A large balance sits idle for weeks. Instead of a generic education push, the app waits and surfaces it in-app, tied to that real balance.

Trust: relevant, not spammy

First read

Learns the cost

The inflation-drag visual and the “AED 15,000 a year” figure make an abstract idea concrete — and the Learn note explains the why on demand.

Trust: taught, not sold

Acts or learns

Puts cash to work

He moves part into a deposit and keeps a buffer — or simply learns and waits. Either way the nudge proved useful without pressure.

Habit: starts to form

Over time

Cash-aware by default

Because it only fires when a real balance builds up, he learns to trust it — and starts thinking about idle cash before the app even asks.

Habit: established

The guardrail that protects the habit: education is off by default, never pushed, and only fires when pinned to a live event (a real idle balance) — all under the global 2–5 per week cap. Rarity is what keeps a sophisticated investor from switching it off.