A Segment represents a cluster of accounts grouped based on specific characteristics and associated benefits. This structure allows financial institutions to tailor advantages, services, and conditions to precisely meet the needs of each segment.

At the core of this structure is the Segment ID, a unique identifier that enables financial institutions to track and manage each client within a portfolio.

With Segments, financial institutions can implement dynamic segmentation and deliver highly personalized experiences that reflect Lerian’s values: independence, innovation, and transformation.

Examples

• Black or Diamond Product (Cards): A premium cluster of card accounts designed for individuals who seek exclusivity and elevated experiences.

  • Included benefits: VIP lounge access, insurance coverage, dedicated concierge services, and loyalty programs that accelerate your rewards.

• Student Account Product (Banking Accounts): A tailored cluster of banking accounts designed for students, offering convenience and exclusive perks.

  • Included benefits: fee-free management, cashback on educational purchases, and exclusive discounts on cinemas and events.

Segment Structure

• Segment > Accounts: Accounts (or Portfolios) are tagged with a segment_id to apply specific rules or benefits.
• Segments operate across Portfolios and Ledgers, providing flexible categorization.

Key Characteristics

• Segments can be defined at the Organization or Ledger level.
• They provide a scalable way to enforce tailored policies across customer groups.
• A Segment can include multiple Accounts or Portfolios, offering broad applicability.

Managing Segments

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To manage your Products you can use the Segments API or the Segments tab of the Ledgers page on Midaz Console.

View Segments Details

• Via API:
  • To view the details of all Segments, use the List Segments endpoint.
  • To view the details of a specific Segment, use the Retrieve a Segment endpoint.
• Via Console: Access the Segments tab to view the detais of a Segment. For more information, refer to the Managing Segments page.

Create a Segment

• Via API: Use the Create a Segment endpoint.
• Via Console: Create a Segment from the Segments tab of the Ledgers page. For more information, refer to the Creating the First Segment or the Creating a new Segment pages.

Edit a Segment

• Via API: Use the Update a Segment endpoint.
• Via Console: Edit Segment details from the Segments tab of the Ledgers page. For more information, refer to the Editing Segment information page.

Delete a Segment

• Via API: Use the Delete a Segment endpoint.
• Via Console: Delete a Segment from the Segments tab of the Ledgers page. For more information, refer to the Deleting a Segment page.