Insights that Guide

  • Updated

MXinsights engages users with a personalized, AI-driven feed of notifications that inform, guide, and protect their financial well-being. This article describes the insights that guide users.

Insights in this article:

Category Budget

This insight notifies users about their budget status.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • A budget must meet these requirements:
    • Budget's usage must be over 25%.
    • There must not be a Category Budget insight already created for the current usage tier:
      • 25%-49%
      • 50%-74%
      • 75%-100%
      • more than 100%
    • Budget's usage must be over the current day of month threshold.
    • Budget category should not be INCOME

Trigger:

A budget is created or updated and meets the defined requirements.

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Debt Payment Reminder

This insight notifies users of an upcoming payment for a liability account.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • An account must meet all of the attributes below in order for a Debt Payment Reminder insight to be generated:
    • The account is not closed.
    • The account must have a positive balance.
    • The account supertype must be LIABILITY.
    • The payment_due_at date must be in the future.
    • No existing insights for the account and payment due date.
    • A payment has not been made to the account within the last 30 days.

Trigger:

Whenever an account which meets the specified requirements is updated.

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Merchant Budgets

This insight notifies users about their merchant budget status.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • A merchant budget must meet these requirements:
    • Budget's usage must be over 25%.
    • There must not be a Category Budget insight already created for the current usage tier:
      • 25%-49%
      • 50%-74%
      • 75%-100%
      • more than 100%
    • Budget's usage must be over the current day of month threshold.

Trigger:

A merchant budget is created or updated and meets the defined requirements.

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Monthly Non-Essential Categories Summary

This insight shows a user the percentage of non-essential spending for the previous month.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • Insight must not already exist for the previous month.
  • User must have at least one spending transaction for the previous month.
  • Total amount spent must be greater than 0.
  • Both non-essential and essential amounts spent can't be negative.

Trigger:

This insight is triggered monthly.

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Peer-to-Peer Categorization

This insight identifies all transactions which are Person to Person (P2P) within the last 30 days.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • The user must have at least one transaction that is P2P within the last 30 days.
    • The transaction type is DEBIT.
    • The transaction(s) must be from one of the following merchants OR category:
      • PayPal
      • Apple Pay
      • Square
      • Zelle
      • Venmo
      • Google Pay
      • Cash App
      • Cash
    • No previous P2P Categorization insight has been created within the last 15 days.

Trigger:

This insight is triggered weekly.

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Savings Account Balances Summary

This insight summarizes a user's savings account balances and shows how much they saved in the previous months.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • The user must have at least 1 savings account.
  • There must be enough transaction data to calculate the amount of savings the user had for the previous two months.
  • The insight cannot already exist for the previous month.

Trigger:

This insight is triggered monthly.

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Savings Opportunity

This insight tests a user's projected cash position on a monthly basis and notifies the user when extra cash may be available for savings.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • The user has one or more checking accounts.
  • Account balance data is available for one or more checking accounts as of the day before the insight is generated and for the same date in the prior month.
  • There has not been a savings deposit/transfer within savings_deposit_lookback_days in the client insight profile. That value defaults to 30 days but is customizable at the client level. This excludes interest income.
  • No previous Savings Opportunity insight has been created within the "cooldown period", which is determined by savings_opportunity_cooldown_days in the Client Insight Profile. That value defaults to 14 days but is customizable at the client level.
  • There is spending transaction history for each of the previous 3 months.
  • The amount available for saving is positive.

Trigger:

This insight is triggered weekly.

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Uncategorized Transaction

This insight identifies all transactions which have been assigned 'Uncategorized' as the transaction category within the last 30 days.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • The user must have at least one transaction that is uncategorized within the last 30 days.
  • No previous Uncategorized Transactions insight has been created within the uncategorized_transactions_cooldown_days (default is 15 days).

Trigger:

This insight is triggered weekly.

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Upcoming Subscription Payment

This insight shows a user their upcoming subscription three days before payment occurs.

Requirements and triggers:

This insight appears based on the following requirements and triggers.

Requirements:

  • Insight must not already exist for the ScheduledPayment.
  • ScheduledPayment occurs_on date must be in the future.
  • ScheduledPayment must be for a subscription.
  • ScheduledPayment must not be from the same merchant, on the same day, and for the same amount.

Trigger:

This insight triggers when a user's ScheduledPayment is created/updated.

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