Yapı Kredi Bank partnered with Dataroid to create dynamic sales funnels, doubling private pension sales
Yapı Kredi, Turkiye’s first retail focused private bank with a nationwide presence, partnered with Dataroid to decode complex customer journeys across its digital channels and take real-time action. Yapı Kredi uses Dataroid daily across teams and initiatives, including the bank’s private pension program, one of the bank’s key deposit-generating products.
2x
increase in private pension sales
6.5x
Challenge
Overcoming Low Financial Literacy to Drive Private Pension Sales to Its Full Potential
Despite strong incentives such as a 30% state contribution and higher returns than deposits, private pension sales plateaued because many low financial literacy users perceived the product as complex. Journey analysis showed that these users had financial intent but did not connect it to private pensions, while traditional campaigns triggered resistance.
To address this, Yapı Kredi reimagined the funnel as a dynamic, behavior-driven journey where users progress based on their engagement level. This required a system capable of tracking real-time behavior and triggering messages based on complex, contextual sequences, guiding users step by step toward understanding the value.
With Dataroid, we moved beyond traditional campaign-based marketing to real-time, behavior-driven customer journeys. This allowed us to identify financially motivated users, educate them at the right moment, and ultimately achieve 2x private pension sales through a more sustainable engagement model.
Oktay Kalem
Digital Marketing & Sales Director at Yapı Kredi
Solution
Yapı Kredi leveraged Dataroid’s journey analytics to decode customer behavior and build personalized engagement journeys based on financial literacy levels. By analyzing behavioral data, funnel performance, and retention patterns, the bank identified users with savings motivation, measured their financial awareness, and guided them through tailored educational content before introducing sales messaging.
Decoding Financial Behavior with Advanced Analytics
Yapı Kredi used Dataroid’s different journey analysis methods to analyze user movements across deposit, investment, savings, and budget pages during market volatility, aiming to understand why the private pension program had plateaued. Journey analysis revealed low financial literacy behaviors, and that traditional marketing approaches were failing to capture interest.
Creating Sustainable Growth Through Strategic, Pre-Awareness Messaging
Yapı Kredi introduced a pre-awareness stage before the traditional funnel. Initially, the bank first delivered a neutral, attention-triggering message designed to spark curiosity. The bank then used Dataroid’s real-time behavioral analytics to track user actions within 24 hours, identifying users with high pension program purchase potential but low financial literacy and creating a qualified audience for personalized education.
Driving 6.5x More Engagement with Personalized, Micro-Educational Content
Using Dataroid’s ability to trigger in-app messages based on advanced event sequences, Yapı Kredi built a dynamic sales funnel capable of responding to complex user journeys. Based on clickstream behavior,
users received micro-educational content aligned with their interests, such as state contribution benefits, return comparisons, or inflation protection. As engagement deepened, messaging evolved to link pension program advantages directly to users’ observed financial behaviors, transforming curiosity into personal relevance.
Key results
10%
increase in CTR for private pension campaigns
2x
increase in overall private pension sales
6.5x
more engagement with pension campaigns
Scalable growth model by increasing financial awareness
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