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🇲🇽 Clicredito МексикаFintech
🇱🇰 OnCredit Шрі-ЛанкаFintech
🇺🇦 ClickCredit УкраїнаFintech
🎯 RFM Segmentation
Flowcot automatically segments your customer base using the RFM model and instantly gives you the right tools for each group. Not just analytics — concrete actions without analysts or spreadsheets.
🇲🇽 Clicredito Мексика 🇱🇰 OnCredit Шрі-Ланка 🇺🇦 ClickCredit УкраїнаRFM is a simple, battle-tested way to understand customer behavior without complex models or Big Data. Flowcot calculates all three metrics automatically and shows you what to do with them.
Flowcot automatically assigns every customer to one of six segments. No manual configuration needed — segments are built from the data you already send through integration.
Two modules that form the backbone of all RFM work: analytics and the main customer engagement engine.
All segments in one screen. See the distribution of your base, how customers move between segments, where churn risk is highest right now. No SQL, no analyst — just open it and understand the full picture.
Levels, tasks, and bonuses are what move customers from Potential Loyalist to Loyal, and from Loyal to Champion. Each tier gives a concrete reason to buy more often.
Monthly subscription. No setup fee for Starter & Growth. 7-day free trial.
Every segment has its right tool. You don't have to think about what to do with an At Risk customer — Flowcot already knows and surfaces the right communication channel right in the dashboard.
Flowcot starts building RFM segments as soon as you send your first data. No manual work — just one integration and you're ready to go.
The RFM model has been around since the 1990s direct mail world — and somehow it never went out of style. If anything, in the age where everyone has data, it's become more relevant than ever. The idea is simple: instead of treating every customer the same, you segment them by three parameters — Recency, Frequency, and Monetary value. The result is six distinct groups, each with its own right approach.
The problem is that most businesses know about RFM but don't actually use it. The reasons are pretty mundane: you need an analyst, you need Excel or a BI tool, you need someone who understands SQL. And then you still need to turn the analysis results into actual actions for the marketer. The gap between "we calculated the segments" and "we launched a campaign for At Risk customers" is typically a few weeks and a few rounds of approvals.
Flowcot approaches this differently. The marketer dashboard builds RFM segments automatically — based on data you're already sending through integration. The marketer opens the dashboard and immediately sees the full picture: how many Champions, how many At Risk, where the biggest churn risk is right now. No SQL, no analyst, no approvals.
But the most important part is that this isn't just analytics. Flowcot gives you ready-to-use tools for each segment. For Champions — exclusive toast notifications and higher tiers in the loyalty program. For At Risk — automated trigger campaigns for reactivation. For Hibernating customers — direct outreach via Telegram bot. For new Potential Loyalists — onboarding quests through gamification. For Loyal Customers — personalized offers through Smart Banners.
That's the core difference between Flowcot and a regular analytics tool. A BI dashboard shows you the segments. Flowcot shows you the segments and puts a "launch campaign" button right next to them. The marketer never leaves the platform — sees churn risk growing in At Risk, and immediately sets up a reactivation campaign. No IT ticket, no waiting for the next sprint.
Fintech customers — including those in our real case studies from ClickCredit, Clicredito, and OnCredit — see their first segment shifts within 3–4 weeks of launch: a portion of At Risk customers return to active status, Potential Loyalist conversion picks up. Not because of some special algorithm — because the marketer can finally react quickly and precisely, without waiting on an analyst or the IT team.
Technically, Flowcot builds RFM on a minimal dataset: userId, action count, date of last activity and monetary value. No names, emails or phone numbers — only behavioral parameters. This is fully GDPR-compliant and meets regulatory requirements in most countries, which is especially important for fintech. The integration takes anywhere from a few hours to two days depending on whether mobile or server-side setup is needed.
RFM is a customer segmentation model based on three parameters: Recency (when they last bought), Frequency (how often they buy), and Monetary value (how much they've spent). It helps you understand who your most valuable customers are, who's about to churn, and who can still be brought back — without complex analytics systems or SQL.
Automatically. Flowcot builds segments based on data you're already sending: userId, number of actions, and date of last activity. No manual setup, no formulas — just connect and see ready-made segments in the marketer dashboard.
Flowcot uses six standard RFM segments: Champions, Loyal Customers, Potential Loyalists, At Risk, Hibernating, and Lost. Segments update in real time — as soon as a customer takes a new action, their RFM position is recalculated automatically.
For Champions and Loyal — loyalty tiers and exclusive toast notifications. For Potential Loyalists — onboarding quests and personalized banners. For At Risk — trigger reactivation campaigns. For Hibernating and Lost — Telegram bot and win-back campaigns. All tools are accessible directly from the marketer dashboard.
No. The marketer dashboard is designed so that a marketer without SQL or BI tools can see a clear picture and act immediately: launch a campaign, set up a banner or toast — right from the interface, without filing an IT ticket.
Flowcot only needs: an anonymous userId, action count (purchases or transactions), date of last action, and monetary value. No names, emails or phone numbers — only behavioral metrics. Fully GDPR-compliant and meets regulatory requirements in most countries.
All Flowcot modules
A full toolkit for customer retention — in one platform.
Connect Flowcot — and within a week you'll have a full RFM picture and your first campaigns live.