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AI Nudges · Nice-to-Have · Product Review

IPO / New Issue Alert Concept Tier 3 · RM

A new IPO or sukuk issue matching the investor's own holdings opens. The subscription window is time-critical (a visual window cue), but subscribing to securities is a Tier-3 decision — so it routes to the advisor, never an in-app "subscribe." This is the only nudge in the set triggered by a market event, not the investor's balances or dates.

01

User Flow

The nudge fires only when a new issue genuinely matches the investor's existing holdings/profile — not for every IPO. They review it with their advisor, ask to be reminded before the window closes, or pass. Subscribing to securities is Tier-3, so it routes to a human.

Start / End Screen / action Investor decision ↓ direction of flow
STARTA new issue opens that matches the investor's holdings
System
AI matches the issue to holdings
Flags a new IPO/sukuk in a sector the investor already owns — only when it fits the profile, not every issue.
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 new-issue card
What it is → subscription window → "why you're seeing this" (matches your holdings). Educational, never "subscribe now."
What does the investor do?
Screen
Review the new issue
Reviewed with a licensed advisor (Tier 3) — suitability, prospectus summary, subscription handled by a human.
Outcome
Sent to advisor ✓
Advisor reviews suitability and subscription with you.
ENDRecorded · auto-expires at close
State
Reminder set
Returns 2 days before the window closes — time to decide without the rush.
↺ Resurfaces 2 days before the window closes — back to  the new-issue card
Action
Logged & suppressed
Won't resurface this issue. New matching issues can still appear later.
ENDNo action taken
02

Interactive Prototype

Tap anything in the phone. Walk the guided path with the arrows, or try Review this new issue → Talk it through with my advisor, then open the bell to see the outcome recorded.

The journey
1
Trigger & pushLock screen
2
The new-issue cardReview · Remind · Pass
3
Review the issueReviewed with advisor
4
OutcomeSent · remind · pass
5
Nudges centerReminder · countdown
9:41
Tuesday, 24 June
A
ALPHEYA · New issuesnow
A new energy-sector issue just opened — the same sector as 3 of your holdings. Subscription closes 1 July.
↑ tap the notification to open
9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
For you
A new energy issue matches your holdings
NMDC Energy is opening on ADX — same sector as 3 of your holdings.Review it with your advisor →
⌄
New issue⌃
A new energy issue matches your holdings
NMDC Energy is running an IPO on ADX — the same sector as 3 of your current holdings. Whether it fits your portfolio is a Tier-3 decision your advisor reviews with you.
Subscription window · closes 1 July 7 days left
The window is time-limited — your advisor can review suitability with you before it closes.
Three of your holdings sit in this sector. Whether a new issue fits your portfolio is a question for your advisor — never an automatic buy.
Energy holdings
AED 840K
Holdings
3
Your energy holdings
AD
ADNOC DistributionEnergy · retail fuel
AED 360,000+2.1%
TQ
TAQAEnergy · utilities
AED 300,000+0.8%
BR
BorougeEnergy · petrochem
AED 180,000−0.4%
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9:415G
Good morning, Khalid
Total portfolio value
AED 3.10M
New issuenow
A new energy issue matches your holdings
NMDC Energy is running an IPO on ADX — the same sector as 3 of your current holdings. Whether it fits your portfolio is a Tier-3 decision your advisor reviews with you.
Subscription window · closes 1 July 7 days left
The window is time-limited — your advisor can review suitability with you before it closes.
Three of your holdings sit in this sector. Whether a new issue fits your portfolio is a question for your advisor — never an automatic buy.
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Invest
1Nudges
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New issueFor you
A new energy issue matches your holdings
NMDC Energy is running an IPO on ADX — the same sector as 3 of your current holdings. Whether it fits your portfolio is a Tier-3 decision your advisor reviews with you.
Subscription window · closes 1 July 7 days left
The window is time-limited — your advisor can review suitability with you before it closes.
Three of your holdings sit in this sector. Whether a new issue fits your portfolio is a question for your advisor — never an automatic buy.
Review this new issue
What this is
A new issue in the energy sector, where 3 of your holdings already sit. Subscribing is a Tier-3 securities decision — your advisor reviews suitability with you. Nothing is bought automatically.

The new issue

NMDC Energy · IPO on ADX · subscription 24 June – 1 July · indicative price range and allocation terms are set out in the prospectus.

How your advisor can help
Talk it through with my advisor
Reviews suitability & handles the subscription with you
RECOMMENDED
›
Send me the prospectus summary first
Plain-language key facts — your advisor sends it over
›
9:415G
✓

Shared with your advisor

We've shared your interest in the NMDC Energy issue with your advisor to review with you. Nothing is subscribed without your say-so. No advisor? We'll arrange a callback before the window closes.

Subscribing to a new issue involves securities, so a licensed advisor handles it with you — never automatically.
Logged in your Nudges center as Sent to advisor — fully auditable.
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9:415G

Reminder set

We'll remind you 2 days before the subscription window closes, so the decision doesn't slip.

Reminds you 29 June2 days before the 1 July close
Review anytimeTalk to your advisor whenever you like
Quiet until thenNo push or badge — it just waits in the background
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9:415G

Got it — passed

We won't surface this issue again. New issues that match your holdings can still appear in your Nudges center when they come up.

Getting too many of these? Adjust news & new-issue alerts in Settings → Notifications.
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←Notification settings
News & new issues
IPOs, sukuk & events on your holdings
Maturity & cash
FD, bond, structured deposit, idle cash
Portfolio alerts
Drawdowns, risk & drift
Engagement & reviews
Monthly review, milestones
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 IPOs and new issues work

An IPO (initial public offering) or new issue is the first time a company or fund offers securities to investors, during a set subscription window. Allocations aren't guaranteed, and the price can move once it lists. Because it involves securities, a licensed advisor reviews whether it suits your portfolio before you decide.

Try Review this new issue → Talk it through with my advisor, or Remind me before it closes, then open the bell.
03

Habit Building

The habit here is letting the app filter the noise. Markets are full of hot-IPO hype; the investor learns that what surfaces here is curated to their own holdings and always vetted by a human — so they stop chasing every issue themselves.

First match
Only what fits
The first new-issue nudge arrives — and it's relevant. Not every IPO, just one in a sector he already owns.
Trust: it's curated, not spam
Before close
Reminded in time
If he asked to be reminded, a single nudge lands 2 days before the window closes — never a daily drumbeat.
Trust: no pressure tactics
Reviewed
A human handled it
His advisor reviewed suitability and the subscription with him. The app surfaced it; a licensed human decided it.
Habit: starts to form
Next issues
Trusts the filter
Across later issues, Khalid stops doom-scrolling IPO news. He waits for what matches his portfolio — and ignores the rest.
Habit: established
The guardrail that protects the habit: new-issue nudges are event-driven and profile-matched — they fire only on issues that fit the investor's holdings, route every securities decision to a licensed advisor (Tier 3), and sit under the global 2–5 per week cap. No hot-IPO spam, no "subscribe now," so the investor never learns to tune them out.