Cohora

Finance: Be there when life changes

Non-distressed financial decisions are driven by life stages—graduation, relationships, children, home moves, career shifts, retirement. Capture permission early so every life event becomes a conversion moment you already own.

The challenge

Life events create spikes in need—loans, credit repair, mortgages, savings, pensions—but the exact timing is hard to predict. Without consented signals, paid media wastes budget interrupting consumers at the wrong moment.

Hard to time intent
  • Life-stage triggers aren’t visible through rented platforms alone.
  • Campaigns chase impressions instead of building permissioned intent.
  • Spend escalates while true conversion windows stay hidden.
Friction without trust
  • Consumers hesitate to share sensitive data without clear value.
  • Compliance and consent must be auditable across channels.
  • Without owned records, renewal and refinancing cycles are missed.

How Cohora solves it

Turn every opt‑in into a permissioned, timestamped data asset that matures over time. Nurture relevance through owned channels—email, SMS, CRM—aligned to life events and renewal cycles.

Build durable audience equity
  • Each opt‑in is permissioned, timestamped, and enriched with declared interests.
  • Compliance metadata travels with the record for trusted outreach.
  • Profiles mature, increasing precision around renewal or switching windows.
Stay present at the moment of need
  • Lifecycle flows keep brands top-of-mind through seasonal and life-stage content.
  • Owned channels replace rented reach, reducing reliance on rising CPMs.
  • Predictable ROI as timing aligns with mortgages, credit, savings, or pensions.
Finance is the long game

Consumers may not switch providers today, but owned first‑party infrastructure keeps you relevant until the exact moment of need. Every opt‑in compounds into equity, turning life events into predictable revenue opportunities.

Quick wins to launch now
  • Life-event guides that capture permission before the decision window.
  • Renewal reminders for mortgages, insurance, loans, and savings terms.
  • Trusted nurture flows that educate before asking for sensitive data.

Stay front and centre when the decision arrives.