FinovateFall 2010 / Micronotes

Presenter Profile:

How they describe themselves: Micronotes is an interactive direct marketing company that is seizing the opportunity to connect marketing dollars directly to consumers through the online banking channel while radically improving the productivity of and returns on marketing campaigns.  Each year, brands spend billions of dollars to reach consumers yet the average return on a marketing campaign yields well below 1%.  Using the Micronotes KulaMula FinApp, marketing campaigns have yielded returns as high as 20%.  Powered by Yodlee, KulaMula enables consumer brands, including host financial institutions, to target online banking customers who get paid cash for taking 20-second interviews with the brands they choose resulting in highly customized offers.  Founded out of a research project at the MIT Sloan School of Management, Micronotes’ KulaMula enables financial institutions to surprise and delight their customers with a continuous stream of cash and great deals that are highly customized to their interests while also improving cross-sell productivity and generating income through a revenue share.

What they think makes them better: KulaMula is a powerful opt-in savings tool, powered by Yodlee, for online banking customers. Unlike other rewards and online advertising programs, KulaMula enables online banking customers to get paid for interviewing with the brands that they choose – and access individually customized deals in a zero spam environment. No other interactive marketing tool achieves this level of personal interaction to drive loyalty, deal relevance, savings and trust.  Financial institutions can achieve a level of intimacy and deal customization in cross-selling unavailable with current direct marketing techniques while earning a share of system revenues.


Bus. Dev. & Sales: Christian Klacko,, 617-401-2174
Press: Kathleen Keating,, 617-460-2702

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