AI Nudges · Nice-to-Have · Product Review

Idle Cash Review — with Advisor Card-sort 2.67 / 3 Tier 3 · RM

The idle-cash signal, routed to an advisor rather than a deposit. When a large balance sits idle, this surfaces the inflation cost and connects the client to their RM to review where it could work harder. Because that's a personalized investment review (Tier 3) it routes to the advisor; with no RM it down-converts to a booking + education — never silent.

User Flow

Idle cash is detected from the client's own accounts and surfaced calmly in-app with the inflation cost. The investor reviews it, then the path forks on whether they have an advisor — putting cash to work beyond a deposit is a Tier-3 decision, so both routes lead to a human.

Start / End Screen / action Decision / fork ↓ direction of flow

STARTA large cash balance sits idle above the usual buffer

System

AI spots the idle cash

AED 750,000 sitting at 0.5%, well above the usual buffer — from the investor's own accounts. Routed in-app, never pushed hard.

Screen · the nudge

The cash-review card

Gauge (target vs now) → impact → “why you're seeing this” → disclaimer. No “rebalance now.”

Screen

Cash & the inflation gap

What idle cash costs — explained, not directed.

Does the client have an advisor?Tier-3 routing

Hand-off

Message the advisor

Shares the review with the RM, who covers options to put it to work.

ENDSent to advisor · logged

Down-convert

Book a call + educate

Requests an advisor callback and explains the options — never silently suppressed.

ENDCallback requested · logged

State

Reminder / dismiss

Returns later, or logged & suppressed.

↺ Resurfaces only if the cash stays idle

Interactive Prototype

Tap anything. Toggle the scenario to see how the same nudge routes for a client with an advisor vs a self-directed client with none.

The journey

Open app · peekCollapsed card

The cash-review cardReview · Remind · Dismiss

Cash vs inflationGauge + drivers

Hand-off to advisorSent / callback

Nudges centerRecorded · countdown

Tier-3 routing: this client has a relationship manager.

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.Review your options →

⌄

Cash review⌃

AED 750,000 has been sitting in cash

It's earning 0.5% while inflation is around 2.5%. Here's the cost — and a review of where it could work harder, with your advisor.

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%

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Your idle cash

What's at stake

Held at 0.5%, AED 750,000 earns about AED 3,750 a year. At today's rates it could earn materially more — an advisor can match options to your profile.

Your idle cash

Your cash earns0.5%

Inflation (approx.)~2.5%

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

What an advisor can review

Higher-yield depositsFD / structured

Income funds & sukukmatched to profile

Keep a cash bufferfor day-to-day

Reviewing a portfolio involves securities decisions, which are handled with a licensed advisor.

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Nudges

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Reminder set

We'll only bring this back if the cash is still idle — cash reviews shouldn't nag.

Re-checks in 30 daysReturns only if the balance is still sitting idle

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

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Review dismissed

Got it — no changes are made. You can revisit your risk vs plan anytime from Portfolio.

Prefer fewer cash reviews? Adjust portfolio & risk alerts in Settings → Notifications.

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←Notification settings

Portfolio & risk alerts

Risk profile, allocation drift, drawdowns

Maturity & cash

FD, bond, structured deposit, idle cash

Engagement & reviews

Monthly review, milestones

Educational

Concept explainers · off by default

Putting idle cash to work beyond a deposit is securities-related, so it is handled with a licensed advisor. We cap all notifications at 2–5 per week across channels.

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Your nudges

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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.

How your advisor helps

Options that aim to outpace inflation trade off some liquidity or add ups and downs in value. An advisor can size your true cash buffer and review what the surplus could do — matched to your goals, never automatically.

Why you're seeing this

What triggered it

A large cash balance has been sitting idle in your account, well above your usual buffer.

What it used

Only your own account balances and activity — nothing is shared outside the app.

How it's created

Our AI selects from a pre-approved library of nudges. It surfaces the factual gap but never gives investment advice — that's for a licensed advisor. Every nudge is logged.

Why it routes to an advisor

Reviewing risk involves securities decisions, which require a licensed advisor — so this nudge hands off to a human rather than acting in-app.

You're in control

Mute or fine-tune risk reviews whenever you like.

Try See my risk vs plan → hand-off, then switch the scenario toggle to see the no-RM path.

Habit Building

Idle cash builds up quietly. The habit this builds is cash awareness — trusting the app to flag a large idle balance and connect a human for the actual review, rather than nagging or pushing a product.

First review

Sees the cost clearly

The inflation bars and the “AED 15,000 a year” figure make an abstract cost concrete — the investor sees what idle cash is really doing.

Trust: made it visible

Hand-off

Routed to a human

The app doesn't pretend to advise. It connects the investor to their advisor (or books a call), which signals it knows its limits.

Trust: knows its limits

Aftermath

No nagging

It only returns if the cash stays idle. The investor learns that when this fires, a real balance is going to waste.

Habit: signal, not noise

Over time

Cash-aware partnership

The investor comes to treat the app as an honest early-warning system that loops in the right people — not a robo-advisor pushing trades.

Habit: trusted watchdog

The guardrail that protects the habit: a Tier-3 nudge never gives securities advice in-app — it shows the factual cost with a visual and hands off to a licensed advisor (or down-converts to a booking + education for self-directed clients). It re-fires only if the cash stays idle, under the global 2–5 per week cap.