Engagement + Behavioral Intelligence for Financial Institutions
Engage earlier. Understand more. Know who to contact, for what, and why.
College Cash helps credit unions and community banks establish relationships with students and their families earlier. Our patent-pending Signal Engine converts their engagement into actionable intelligence, showing your team who may be ready for which financial product, why, and what to do next.
A fully built, modular platform. Institution-branded. Designed to complement existing programs.
Patent Pending | U.S. Provisional Application No. 64/087,878
The Problem
By the time those decisions appear in traditional financial records, the household may have already chosen another provider.
Conventional outreach often relies on age, account history, transaction patterns, or broad marketing segments.
College Cash creates an earlier opportunity. By engaging students and their supporters before those financial decisions, institutions can identify emerging needs through meaningful behavioral activity.
The advantage isn't simply contacting more people. It's understanding whom to contact, when, and why.
What Your Team Receives
The Signal Engine analyzes nontransactional engagement activity to produce explainable, product-specific readiness intelligence.
01
See participating students and connected supporters, including people who may not currently be members.
02
Identify relevant financial product opportunities through supported behavioral engagement.
03
Understand which engagement activities contributed to a readiness score.
04
Receive suggested next steps and institutional outreach scripts.
05
Track institutional actions and responses to measure results and support approved scoring improvements.
Your team gets more than another dashboard. It gets a clearer picture of potential opportunities and a practical way to act on them.
Controlled Institutional Simulation
We modeled 7,500 members across 24 months in Prairie Crest Community Credit Union, a simulated financial institution.
Using the same households, modeled financial needs, and 120 outreach calls per month, we compared age-based targeting with Signal Engine household recommendations.
Across three modeled levels of call effectiveness, the Signal Engine generated approximately 16% to 60% more account openings than age-based outreach.
7,500
simulated members
24 months
of modeled activity
120 calls
per month, per outreach strategy
16% to 60%
more accounts, approximately, than age-based outreach
Additional accounts opened through outreach, compared with no outreach
Low effectiveness: 43 age-based, 50 Signal Engine. Medium: 86 and 129. High: 131 and 210.
| Call effectiveness | Age-based outreach | Signal Engine | Improvement |
|---|---|---|---|
| Low | 43 | 50 | +16.3% |
| Medium | 86 | 129 | +50.0% |
| High | 131 | 210 | +60.3% |
Simulation results, not live institutional performance. Prairie Crest is a synthetic institution. Outcomes depend on modeled relationships between behavioral activity and financial needs. Real-world effectiveness requires validation through institutional pilots.
How It Works
Invite students and families into an institution-branded College Cash engagement experience.
Financial education, savings-related tools, scholarship tracking, and interactive activities provide reasons to participate.
Students invite parents, grandparents, and other supporters.
These relationships help extend institutional engagement beyond existing members.
Supported engagement activity becomes product-specific readiness intelligence, household insights, and recommended institutional actions.
The engagement platform creates the relationships and signals. The Signal Engine converts them into actionable institutional intelligence.
Flexible Deployment
Financial institutions don't all need the same engagement technology. College Cash supports flexible deployment so institutions can choose capabilities aligned with their needs.
Deploy student engagement, supporter participation, institutional dashboards, and behavioral intelligence together.
Select relevant engagement components based on institutional priorities.
Use supported behavioral intelligence capabilities alongside existing engagement programs where the required data and technical connections are available.
Configure your institution's logo, primary brand color, and welcome message through existing administrative controls.
Built for Institutional Use
The standard College Cash engagement deployment does not require a core banking connection.
The platform is designed for rapid institutional configuration, with deployment targeted within approximately 30 days, subject to scope and institutional approvals.
College Cash does not need to custody member savings balances to provide engagement and intelligence.
The Signal Engine uses deterministic behavioral scoring, with supporting activity and audit information available for review.
Institutional reporting capabilities help document relevant education, engagement, and community activities.
The Signal Engine does not depend on a large language model to calculate product readiness.
Institutional Founding Pilot
Our 12-month Institutional Founding Pilot gives participating credit unions and community banks the opportunity to evaluate earlier household engagement, product-readiness intelligence, recommended outreach, member acquisition, and measurable financial outcomes.
Credibility
Filene Research Institute
Selected for the 2027 Fintech Card Deck
Techstars
Village Capital
Tampa Bay Wave
StartOut Growth Lab
Patent-pending Signal Engine
U.S. Provisional Application No. 64/087,878
Leadership
CEO and Founder
Inventor, Signal Engine Methodology
Inventor of the Signal Engine methodology. Background spanning Wall Street, finance, marketing, and startup advisory. Built College Cash from consumer concept to enterprise-licensed infrastructure. Focused on institutional partnership strategy, enterprise sales, and ecosystem development.
Co-Founder and Operations
Graduate of The Wharton School. Background in private market investing and financial analysis, with experience in capital formation and strategic development. Former Partner at Windsor Stevens and program manager within the U.S. government. Brings institutional credibility and operational infrastructure experience.
Join us for a 30-minute walkthrough of the working College Cash platform, including household-level readiness, product opportunities, recommended actions, institutional branding, and the Signal Engine.
The self-service demo is a demonstration environment that uses a fictional credit union and sample data.