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Know which offers customers will sign up for.
Test new products, rates and new customer offers, from accounts and cards to loans, savings and investments, before budget and campaigns are committed. With real sign-up decisions, as a complement to your market research.
More interest, available every day.
3.1% p.a. bonus rate
Open accountThe bonus rate with reward achieves the highest sign-up intent.
Customers decide in their familiar online environment
Why interest misleads
The most clicked offer is not the one customers sign up for.
Interest rates, fees, rewards and bonuses are expensive levers, whether for accounts, cards, loans or investments. Whether customers actually sign up because of them is shown only by the decision itself, not by the interest before it.
Example values.
Use cases
Where banks decide with Horizon.
From current accounts, cards, loans and savings to investments: wherever rates, products and campaigns tie up budget before customers sign up.
01
Rates and fees
Which interest rate, fee or reward leads to a sign-up for an account, card, loan or brokerage account?
02
Product models
Free with conditions, bundle, premium or subscription: what do customers choose?
03
New customer offers
Bonus rate, switching reward or standard rate: which promotion brings in new customers?
04
New products
Is there enough demand for a new savings, investment, loan or pension product?
05
Messages
Which benefit message leads to a sign-up, and which only to a click?
06
Markets
Does the offer also work in Austria or Switzerland?
How a test works
Around four weeks from question to decision.
Your effort: a briefing, the rates and terms, and four short meetings. The Horizon team takes care of the rest.
Week 1
Question and variants
You bring the question from your department, we sharpen it and define up to six variants.
Week 2
Ads and offer pages
Horizon builds realistic ads and offer pages, with your brand or a brand developed specifically for the test.
Week 3
7 days in field
Your target group sees the offer in their familiar online environment and decides. You follow everything live.
Week 4
Result and data analysis
Decision rate per variant, statistically validated, as a data analysis for your decision.
To take away
What an offer test for banks looks like.
This is what a Horizon results report looks like: question, offer variants, sign-up intent and data analysis on just a few pages. Ready to share with product, sales and the board.
Offer test instant access savings
finvia · Sample
+71%
B versus A
6 mo.
Bonus period
B achieves the highest sign-up intent.
Example values
FAQ
Frequently asked questions.
Can we test rates and terms without actually offering them?
Yes. Nothing is signed and no money moves. Customers make their decision on a realistic offer page and are informed transparently afterwards.
Does the test have to run under our brand?
No. You test with your brand or with a brand developed specifically for the test. That way you do not have to reveal early that you are evaluating a new offer.
How does this fit with our market research?
As a complement. Surveys show what customers say and why. Horizon shows what they decide. Together they give a complete picture.
How is the test approved internally?
Once. Legal, data protection and procurement align in parallel with the first test design, not again for every single test. Horizon provides the imprint and privacy policy for the test pages, and nothing is sold.
Let's talk about your next decision.
You bring your product or pricing question, we sketch a possible test design. No preparation needed on your side.
You will speak with Daniel Putsche
Founder & CEO, 30 minutes
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