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.

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.

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.

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.

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.

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.

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.

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.

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.