Certified mechanicsHow CPA Bloggers Bring

Certificate mechanics are gaining popularity in the  financial sector, becoming one of the most effective ways to attract

customers through bloggers. Its essence is simple: the user receives a gift certificate when applying for a banking

product, such as a debit or credit card.

Why do certificates work better than classic bonuses?

1. Guaranteed benefit. Clients are often wary of cashbacks and bonus programs due to complicated conditions. A
3. certificate is a clear and transparent benefit that can be used immediately.
5. Minimum technical difficulties. Launching a campaign does not require complex integration.
7. High conversion among a new audience. An attractive offer with a certificate motivates not only those who

1. already use banking products, but also an audience that

2. was not previously interested in cards.

How can businesses get the most out of this strategy?

• Choose popular partners. Certificates are most in demand if they can be spent at large retailers. This increases
• trust in the promotion and reduces customer concerns.
• Use multichannel communication. Not all clients activate the certificate, considering the notification spam. The
• solution is to duplicate the information via email, push notifications and in the user’s personal account.
• Work with different bloggers. This promo format is perfectly adapted to different niches: from lifestyle and
• beauty to financial and business blogs. This makes the mechanics universal and allows testing different audience
• segments.

Benefits of cashback:</p>

1. Automation. Funds are credited in the banking application without additional actions from the client, which
2. makes the mechanics convenient. For example, in T-Bank Black cashback is displayed instantly, and in
3. SberPrime accruals occur monthly.
4. Flexibility and coverage. Marketplaces are gradually expanding cashback categories, removing restrictions.
5. High level of involvement. According to a study published on the Econs.Online portal, users of cashback cards spend 32% more than owners of cards without bonus programs.

Limitations of cashback mechanics:

• Additional calculations. Unlike certificates, gabon business email list cashback requires the client to understand the terms of the program: study the interest rates, limited categories and accrual periods.
• Less immediate value. A certificate gives the customer a specific amount to spend on purchases, while cashback is perceived as less tangible because it requires accumulation.

Promo codes

Promo code mechanics are considered the this is the gateway to your email most popular sales promotion tool in e-commerce. According to the Association of Internet Trade Companies (AKIT), in 2023 the share of purchases using coupons and promo codes in Russia increased from 15% to 21%.

Advantages of promo codes:

1. Instant benefit for the client. The promo code gives a discount immediately, which makes it more attractive than cashback, which requires waiting for accrual.
2. Flexible settings. Brands can offer different conditions: a fixed discount (500₽), a percentage of the amount (-10%) or free delivery, adapting the mechanics to business tasks.
3. High conversion.

Limitations of the promo code mechanics:

• Weak efficiency in the banking sector. Unlike shops 9177 e-commerce, banks cannot offer instant discounts on financial products. The only option is to use promo codes for free service or bonuses when issuing a digital card, which reduces their attractiveness.
• Discount abuse: Some users create new accounts for the sake of promo codes, which increases the marketing costs of the business.