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Creative Automation
October 30, 2023
December 18, 2023

Marketing for Banks at Scale: How to Deploy Creative Automation Effectively

Rangan Das

Marketing for Banks at Scale: How to Deploy Creative Automation Effectively

October 5, 2023
December 18, 2023
Rangan Das


The financial services sector has long been synonymous with face-to-face interactions and relationship-centric approaches. Yet, as the COVID-19 pandemic thrust digital banking and investing into the spotlight, financial service marketers found themselves compelled to adapt, evolve, and embrace innovative tactics, including bank marketing automation and marketing automation for banks.

In the context of this evolving landscape, creative automation, such as bank marketing automation, takes center stage. This transformative technology not only facilitates personalized communication but also fosters creativity and innovation within the confines of scalability. It enables financial institutions to harmonize the industry's historical penchant for personalization with the exigencies of the digital age.

Understanding creative automation

Automation and personalization in the banking sector can be categorized into three distinct areas: product, marketing, and service. Currently, product personalization relies heavily on manual processes, with platforms offering tools like A/B testing and multivariate testing. Service personalization and automation, on the other hand, are the realm of chatbots like Bank of America's Erica or Capital One's Eno. These chatbots utilize natural language processing (NLP) AI and service clouds provided by companies such as Oracle, Adobe, Salesforce, or Pegasystems.

Source: VMware blogs

In the field of marketing automation for banks, AI-enabled creative automation applications are primarily focused on optimizations, such as determining the best times to send emails or selecting headline text and hero images. However, upcoming creative ops software solutions can automate the test-and-learn process necessary for predictive personalization to thrive.

Currently, marketing personalization relies heavily on predefined rules, behavioral patterns, and time-based logic to trigger the delivery of specific messages when customers meet specific criteria. The challenge lies in the fact that all relevant triggers must be predefined, and systems must be in place to ensure that the right messages are sent to the correct customers when these triggers are activated. This process of automated banking campaigns demands significant analytical and marketing resources to define, test, and set up, particularly to avoid sending irrelevant communications to unique or outlier cases. Consequently, marketing teams often encounter diminishing returns on their personalization efforts, resulting in the implementation of personalization campaigns that fall short of achieving genuine personalization. This is where creative automation and the integration of a robust Brand Compliance tool come in.

Also Read: What is Creative Automation

Creative automation is not just a buzzword; it's a transformative concept that holds the key to resolving several critical challenges faced by the financial sector. It is a cutting-edge marketing approach that leverages technology to streamline and enhance marketing efforts. It involves the use of tools and software to create personalized and relevant content for individual customers. This method enables banks to deliver the right message to the right person at the right moment, ensuring higher engagement and conversion rates. 

Also Read: How Creative Automation Can Help Your Team Scale Creatives and Enhance Performance

Here are some of the challenges that can help you understand the need for creative automation. 

Challenge 1: Personalization at scale

Traditionally, the financial industry has excelled at building personal relationships with clients. However, as the industry expands and competition intensifies, maintaining this level of personalization becomes challenging. Creative automation steps in as a game-changer, allowing financial institutions to personalize their interactions with customers on a large scale. By harnessing customer data, automation tools can dynamically tailor marketing content to suit individual preferences, needs, and behaviors. This not only ensures a more personalized customer experience but also streamlines marketing efforts.

Challenge 2: Compliance and regulatory complexity

The financial sector is renowned for its intricate web of regulations and compliance requirements. Staying up-to-date and ensuring every communication adheres to these standards is a monumental task. Creative automation can mitigate this challenge by automating compliance checks and approvals. Automated workflows can ensure that every piece of communication meets the necessary regulatory criteria, reducing the risk of costly violations and ensuring brand reputation remains intact.

Challenge 3: Customer engagement in a digital age

Today's consumers, particularly those in the financial sector, are digitally savvy and demand engaging experiences. Yet, cutting through the noise and delivering relevant content has become increasingly difficult. Creative automation software offers a solution by using behavioral tracking and analytics to understand customer intent. By analyzing customer actions and preferences, financial institutions can craft personalized content that resonates with their audience, boosting customer engagement. 

Challenge 4: Competition from fintech disruptors

The emergence of fintech disruptors presents a formidable challenge to traditional financial institutions. FinTechs often operate with agility and can swiftly adapt to changing market dynamics. Creative automation enables established banks and credit unions to level the playing field. By automating marketing processes, banks can identify opportunities in real time and respond promptly. For instance, when a customer shows interest in a product or service, automation can trigger a personalized follow-up, helping banks retain and acquire customers more effectively.

Challenge 5: Data utilization and analytics

Financial institutions are inundated with data. Extracting actionable insights from this data can be overwhelming. Creative automation simplifies this process by using data-driven insights to inform marketing strategies. It empowers banks to create highly targeted campaigns that resonate with customers, increasing the efficiency and effectiveness of marketing efforts.

The power of creative automation in banking

Creative automation is a transformative force within the banking sector, offering powerful solutions to the myriad challenges faced by financial institutions. Let's delve deeper into how creative automation can effectively address the issues highlighted in the previous section:

1. Deploy personalization at scale

As banks expand their customer base, maintaining the level of personalization they're known for becomes increasingly difficult. Creative automation centralizes customer data to create tailored marketing campaigns. Content can be dynamically adjusted to match customer preferences, needs, and intent. Whether through emails, web pages, or social media, personalized messaging fosters increased consumer interaction.

Creative automation excels at striking a balance between personalization and scalability. Utilizing data-driven insights enables banks to craft highly personalized marketing campaigns. This ensures that each customer receives tailored messages, whether through emails, web content, or social media. Creative automation not only maintains the personalized touch that customers expect but also streamlines marketing efforts, enabling creative scaling, and making it feasible to reach a broader audience with individualized content.

2. Navigate the complex landscape of regulatory compliance

The financial sector's intricate regulatory landscape demands meticulous compliance checks for every communication.

Creative automation can be employed to automate compliance processes. By setting up predefined rules and workflows, banks can ensure that every piece of content undergoes necessary compliance checks before being sent out. This not only reduces the risk of regulatory violations but also saves time and resources when implementing bank customer journey automation. Banks can confidently navigate the complex regulatory environment while maintaining the integrity of their communications.

3. Cater relevant content to increase engagement

Engaging digitally savvy customers requires delivering relevant and compelling content. Creative automation excels in enhancing customer engagement. Through behavioral tracking and analysis, banks can gain insights into customer intent and preferences. 

Automation tools can then create and deliver content that resonates with each individual. Whether a customer is exploring mortgage options or seeking investment advice, creative automation ensures that they receive the right message at the right time. This personalized approach fosters higher engagement and deeper customer relationships.

4. Use triggers to gain a competitive edge

Fintech disruptors pose a competitive threat due to their agility and ability to adapt quickly. Creative automation empowers traditional banks to respond swiftly to market dynamics. By identifying customer needs in real time, automation solutions help banks present relevant offers promptly. For instance, a customer's action on your website can trigger immediate responses, enhancing engagement.

When a customer expresses interest in a product or service, automation can trigger a rapid response. For instance, if a customer starts a loan application but doesn't complete it, automation can send a personalized follow-up email with relevant information. 

This proactive approach helps banks retain and acquire customers, competing effectively with fintech disruptors while leveraging their established brand and resources.

5. Utilize marketing data effectively

Extracting actionable insights from vast volumes of data is a formidable task. Creative automation simplifies data utilization and analytics. Continuous improvement through analytics enables banks to refine their marketing campaigns, making it easier for customers to engage with the brand.

By harnessing the power of automation, banks can analyze customer behavior and preferences in real time. These insights inform marketing strategies, allowing banks to create highly targeted campaigns. As a result, marketing efforts become more efficient, and customers receive content that resonates with their specific needs and interests.

How is creative automation used in banking?

Creative automation is not just a concept; it's a dynamic tool that's revolutionizing the way banks engage with their customers. Let's delve into how creative automation is effectively deployed in banking to drive results:

1. Personalized customer journeys

Tailored marketing campaigns

Creative automation software centralizes customer data, allowing banks to create highly personalized marketing campaigns. This means that whether a customer is exploring home loans or business credit cards, they receive content tailored to their specific needs, preferences, and previous interactions.

Dynamic content generation

Creative automation enables banks to dynamically adjust content in real time. When a customer interacts with an email, website, or social media post, the content can adapt to their behavior and preferences. This level of personalization fosters deeper customer engagement.

Also read: How Creative Automation Can Plug the Content Gap and Leave Time to Create?

Customer lifecycle management

Creative automation allows banks to manage customer relationships across the entire lifecycle. From onboarding new customers with personalized welcome messages to nurturing long-term clients with content that aligns with their financial goals, creative automation ensures that every stage of the customer journey is finely tuned.

Event-triggered messaging

Automation can respond to specific customer events. For instance, if a customer reaches a certain savings milestone, automation can send congratulatory messages or provide options for investing those savings wisely.

2. Efficient targeting


Marketing automation tools can categorize, and tag prospects and customers based on various criteria like demographics, interests, and behavior. This automated segmentation allows banks to precisely target specific customer segments with relevant marketing campaigns. For example, customers interested in retirement planning can receive content tailored to their life stage.

Lead scoring

Creative automation can assign scores to leads based on their engagement and behavior. Banks can then prioritize leads for follow-up, ensuring that valuable leads receive timely attention. This improves the effectiveness of marketing communications.

3. Real-time triggers

Immediate responses

Creative automation identifies customer needs in real time and triggers automated responses. For instance, if a customer starts an online mortgage application but doesn't complete it, automation can send an immediate follow-up email with additional information, helping to guide them toward conversion.

Proactive outreach

Banks can set triggers for specific customer actions or events, such as a significant balance change in a savings account. Automation can then initiate proactive outreach, like a personalized message from a financial advisor, to address the customer's needs promptly.

4. Behavioral tracking and analysis

Understanding customer intent

Marketing automation uses tracking codes in emails, web pages, and social media to gauge customer intent. By analyzing customer clicks, page visits, and content interactions, banks gain a better understanding of what their customers are looking for.

Personalized email campaigns

Armed with insights from behavioral tracking, banks can create highly personalized email campaigns. Customers receive emails that align with their specific interests and intent, increasing the likelihood of engagement and conversion.

5. Data-driven analytics

Continuous improvement

Analytics is at the heart of creative automation. Banks can track and measure the results of their marketing campaigns, gaining insights into what works and what doesn't. This data-driven approach allows for constant improvement, making it easier for customers to engage with the bank's brand.

Customer feedback loops

Automation can facilitate feedback loops by automatically soliciting input from customers after specific interactions, such as completing a loan application or attending a financial planning seminar. This feedback helps banks refine their approach and improve customer satisfaction.

ROI measurement

Creative automation enables banks to measure the return on investment (ROI) of their marketing efforts accurately. By tracking conversions, customer engagement, and revenue generated from campaigns, banks can allocate resources effectively to maximize ROI.


In an era where banks face challenges such as cybercrime, evolving customer expectations, compliance, and fierce competition, creative automation emerges as a critical tool for marketing success. While marketing automation simplifies various tasks, creative automation takes it a step further by ensuring marketing messages are not only efficient but also creative, relevant, and engaging. To see how adopting creative automation would help your financial institution, check out Artwork Flow today

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