The Creator Monetization Platform for Recurring Revenue

Launch branded financial tools that drive recurring revenue for creators and increase lifetime value beyond sponsorships and algorithm-driven payouts.  

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Micronotes Cross-Sell™ XD is now part of Array.

Increase deposits,
e-Service adoption,
and retention

Start personalized conversations with your account holders using Array’s Chat Cross-Sell

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Chat Cross-Sell uses bank-held data, analytics, machine learning, and microinterview engagement technology seamlessly deployed through mobile/online banking, email, and SMS to exponentially increase your banner ads’ click-through rate.

Implementation is simple because Chat Cross-Sell is integrated with most leading mobile/online banking systems using modern APIs. It’s even more seamless within the Fiserv® Experience Digital (XD) platform. Chat Cross-Sell receives targeting data directly via the XD API feed. This eliminates the need to specify, generate, and transport an accountholder data file.

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Features include:

Bank-held data analytics
Machine-learned recommendations
Seamless integration with mobile/online banking systems, especially Fiserv XD platforms
Firm offer re-presentment option

 

Modernize Your Benefits with Identity and Privacy Protection

Offer in-demand solutions your employees will actually use, with measurable impact on engagement and benefit satisfaction.

If you want to get to know your digital account holders personally, at scale, trust Chat Cross-Sell to ask the right questions at the right time.

Get in touch today to learn more.

Why choose Chat Cross-Sell

Our personalized product recommendations lead to better retention and more conversations for every banner click.

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20-26x the click-through-rate of banners1

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Cut deposit leakage

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Enhanced e-Service adoption and usage

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Improved Net Promoter® Score

 

Book a 15-min call with Array

Fiserv and Net Promoter are registered trademarks Fiserv, Bain, Reichheld, NICE; 1 Revolutionary Results: How Micronotes Microinterviews Delivered 23x Better Performance Than Banner Ads Over 10 Years, 2025