The ReferLive digital refer-a-friend program delivers lower acquisition costs, higher-value accounts, and faster household growth by activating the account holders who already trust your financial institution. Automate referral tracking, qualification, and rewards to drive scalable, compliant growth without increasing marketing spend.
30% Average Lift in Loan and Deposit Growth
Activate your highest-value account holders to drive measurable growth across core consumer and small business products.
Lower Cost of Acquisition
Referral-driven accounts outperform traditional channels with higher balances, deeper product penetration, and longer retention—at a fraction of the cost.
100% Compliant by Design
Built exclusively for regulated financial institutions with automated qualification, disclosures, auditability, and reward controls.
True Omni-Channel Engagement
Account holders share offers via social media, text, and email—maximizing reach and conversion without adding operational burden.
Multi-Product Growth from a Single Platform
Drive checking, small business accounts, credit cards, auto loans, mortgages, and HELOCs through one integrated referral engine.
Fully Automated, Enterprise-Ready
Eliminate manual processing with end-to-end automation—from referral capture to qualification and reward fulfillment.
Trusted by Hundreds of Financial Institutions
ReferLive is purpose-built for regulated financial institutions—delivering fully compliant digital referral experiences that outperform traditional marketing and drive sustained growth across loans and deposits.
Better by Design
A digital referral platform engineered to reduce friction, increase participation, and deliver measurable growth
Platform Capabilities
Refer-a-Friend for Digital Banking
Meet Account Holders Where They Already Bank
ReferLive DBX™ embeds the referral experience directly into your digital banking platform. Account holders can refer friends in seconds—without leaving your trusted environment—driving higher engagement and completion rates.
Dynamic Campaign and Budget Management
Control Growth in Real Time
Launch, pause, or close referral campaigns instantly. Set product-specific acquisition goals with defined budget limits to ensure predictable performance and disciplined spend.
Multi-Product Referral Engine
Grow the Full Relationship, Not Just Accounts
Design customized referral offers across your product portfolio with flexible qualifications and reward structures, including:
- Retail and Small-Business Checking
- Savings
- Auto and Personal Loans
- Mortgages and HELOCs
- Credit Cards
Each referral is optimized to attract higher-value households aligned to your strategic priorities.
Share Anywhere Referral Architecture
Maximum Participation. Zero Friction.
Text, Email and Social Media
In-Branch and Contact Center
Mobile and Online Banking
ReferLive App
Removing channel barriers increases trust, adoption, and referral volume
Zero-Visibility Deployment
Your Brand Stays Front and Center
No third-party websites. No external emails. ReferLive operates entirely within your institution’s digital and social properties, preserving trust and brand continuity.
End-to-End Automation
Operational Efficiency at Scale
ReferLive automates the entire referral lifecycle:
- Enrollment and tracking
- Account matching
- Qualification verification
- Reward fulfillment
- Intelligent, event-based communications
This reduces manual effort while delivering a seamless experience account holders appreciate.
Insight You Can Act On
Executive-Ready Reporting and Analytics
Real-time dashboards provide full visibility into program performance, referral activity, and account-level outcomes—enabling leadership teams to measure ROI, optimize strategy, and scale with confidence.
Built for Financial Institutions
Compliant. Secure. Proven.
ReferLive is engineered specifically for regulated banking environments, delivering compliant automation without sacrificing flexibility or speed.
The Result:
Smarter acquisition, deeper relationships, and sustainable growth powered by your most trusted advocates.
