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 meet the needs of each segment precisely.

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

Key characteristics

• They provide a scalable way to enforce tailored policies.
• A Segment can include multiple Accounts, offering broad applicability.

Managing Segments

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You can manage your Segments either via API or through the Console.

Via API

• List Segments — View all Segments in your workspace.
• Retrieve a Segment — Get details of a specific Segment.
• Create a Segment — Register a new Segment.
• Update a Segment — Edit an existing Segment.
• Delete a Segment — Remove a Segment that’s no longer in use.

Via Console

All Segments management actions, including viewing, creating, editing, and deleting, can be done through the Organizations page in the Midaz Console.

Learn more in the Managing Segments guide.