Customer Intel

  • Updated

The dashboards in this section include Financial Health and Spending Behavior.

Each dashboard has charts that give you insights into your customers’ financial habits.

Each chart has a timestamp to show when it was last updated — it automatically updates every 24 hours — and you can click to update.

  • We built the financial health score using the Financial Health Network methodology, including Spend, Save, and Borrow. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.

    • Vulnerable users have a score of 0–25.
    • Building users have a score of 26–50.
    • Stable users have a score of 51–75.
    • Strong users have a score of 76–100.

    The Financial Health dashboard charts show information about the following:

    • Vulnerable users:
      • This is a real-time sum of vulnerable users. Vulnerable users have a financial health score from 0–25. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.
    • Building users:
      • This is a real-time sum of building users. Building users have a financial health score from 26–50. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.
    • Stable users:
      • This is a real-time sum of stable users. Stable users have a financial health score from 51–75. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.
    • Strong users:
      • This is a real-time sum of strong users. Strong users have a financial health score from 76–100. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.
    • User financial health by month:
      • This is the number of users in each financial health group over the last 12 months, shown month by month. User totals are counted on the last day of each month. A user’s financial health score is calculated based on spend-to-income ratio, debt-to-income ratio, emergency savings resiliency, late and overdraft fees, and savings balance.
    • Users by their spend-to-income ratio:
      • This organizes users by their spend-to-income ratio each month for the last 12 months. Spend-to-income is a user’s monthly spend, divided by monthly income. Users’ totals are counted on the last day of each month.
    • Users by their debt-to-income ratio:
      • This organizes users by their debt-to-income ratio each month for the last 12 months. Debt-to-income is a user's monthly debt, divided by monthly income. Users’ totals are counted on the last day of each month.
    • Users by their emergency savings resiliency:
      • This organizes users by their emergency savings resiliency each month for the last 12 months. Emergency savings resiliency is calculated by measuring how long a user’s savings balance would last if income stopped but average spending continued at the same rate each month.
    • Users by their total savings balance:
      • This organizes users by their savings balances each month for the last 12 months. This chart compares users who have greater than $1000 in savings to users who have less than $1000 in savings, for each month.
    • Users by their bill payments:
      • This organizes users by their bill payments for the last 12 months. This chart compares users who have at least one late or overdraft fee to users who have zero late or overdraft fees, for each month.

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  • The Spending Behavior dashboard charts show information about the following:

    • Total transaction volume:
      • This is the all-time sum of all internal and external transactions. For spending, we exclude transactions categorized as income, investments, taxes, and transfers.
    • Internal transaction volume:
      • This is the all-time number of internal transactions. An internal transaction is a transaction that is from an account opened, provided, and serviced by your institution. For spending, we exclude transactions categorized as income, investments, taxes, and transfers.
    • External transaction volume:
      • This is the all-time number of external transactions. An external transaction is a transaction from an account opened, provided, and serviced by any third party organization, which your customer has connected using MX APIs or money management features. For spending, we exclude transactions categorized as income, investments, taxes, and transfers.
    • Total transaction volume by month:
      • This is the total transaction volume over the past 12 months, shown month by month. An internal transaction is a transaction that is from an account opened, provided, and serviced by your institution. An external transaction is a transaction from an account opened, provided, and serviced by any third party organization, which your customer has connected using MX APIs or money management features. Transaction volume totals are calculated by adding the dollar amount of all internal and external transactions for each month.
    • Total transaction volume by category:
      • This is the all-time comparison of internal and external transactions, by category. For spending, we exclude transactions categorized as income, investments, taxes, and transfers.
    • Total transaction volume by merchant:
      • This is the all-time comparison of internal and external transactions, organized by the merchant that processed each transaction. For spending, we exclude transactions categorized as income, investments, taxes, and transfers.

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Disclaimer: The functionality of this software varies depending on which financial institution you use. Not all content in this help center will apply to your experience.

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