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.

Category Budget

Available Static Released: 2020

  • This insight notifies users about their budget status.

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "{category_translation_key}"
      • description: You have spent {budget_tier_percent} or more of your {category_translation_key} budget."
      • call_to_action: "View budget"
      • supporting_action: ""
    category_budget_all.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    category_budget_drill-down.png

Debt Payment Reminder V2

Available Static Released: Q1 2021

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

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Debt payment reminder"
      • description:
        • zero: "You typically have a payment to {account_describer} due on {payment_due_at_date}. Make sure you've made the full payment to avoid any late fees."
        • one: "You typically have a payment of {payment_amount} to {account_describer} due on {payment_due_at_date}. Make sure you've made the full payment to avoid any late fees."
      • call_to_action: ""
      • supporting_action: ""
    debt_payment_reminder_v2.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    debt_payment_reminder_v2_mini-widget.png

Designate Emergency Savings Account

Available Dynamic Released: Q4 2021

  • This insight allows users to set and see their emergency savings account. This insight also helps determine whether the Monthly Emergency Savings Reminder and Emergency Savings Milestone Reached insights will trigger.

    • This insight appears based on the following requirements and triggers.

      Requirements:

      • See the Triggers section below.

      Triggers:

      • Once a month if there is no emergency savings designated
      • Every 6 months if an emergency savings is designated
      • If dismissed, we will not show this beat for 6 months, regardless if there is a designated savings account or not
    • This is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • not_sampled:
        • title: "Be ready for a rainy day"
        • description: ""
        • call_to_action: ""
        • supporting_action: ""
      • sampled:
        • choose_account:
          • title: "Be ready for a rainy day"
          • description: "Would you like to choose an account for emergency savings? We can help you add to it!"
          • call_to_action: "Save"
          • supporting_action: ""
        • open_account:
          • title: "Be ready for a rainy day"
          • description: "Would you like to open an account for emergency savings? We can help you add to it!"
          • call_to_action: "Open Savings Account"
          • supporting_action: ""
        • change_account:
          • title: "Be ready for a rainy day"
          • description: "Your emergency savings are in %{localized_account_name}. Would you like to choose a different account? If not, no action is needed."
          • call_to_action: "Save"
          • supporting_action: ""
    designate_emergency_savings_state_1.png

Merchant Budgets

Available Static Released: 2020

  • This insight notifies users about their merchant budget status.

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "{merchant_name}"
      • description: "You have spent {budget_tier_percent} or more of your {merchant_name} budget."
      • call_to_action: "View budget"
      • supporting_action: ""
    merchant_budget_all.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    merchant_budget_drill-down.png

Monthly Emergency Savings Reminder

Available Static Released: Q1 2022

  • This insight reminds users about moving money into their emergency savings account.

    • This insight appears based on the following requirements and triggers.

      Requirements:

      • A transaction must meet all of the attributes below in order for this insight to be generated:
        • User does not have an Emergency Savings Account GUID set (via DesignateEmergencySavingsAccount)
        • Savings account has a balance lower than $1,000

      Trigger:

      This insight should only generate once a month until all three milestones are achieved.

    • This is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • start_saving_first_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per week, you’d have $100 saved within 1 month."
        • call_to_action: "View more"
        • supporting_action: ""
      • amount_remaining_to_reach_first_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to completing step one! Only {amount_remaining_to_reach_goal} more to go to reach $100 saved."
        • call_to_action: "View more"
        • supporting_action: ""
      • start_saving_second_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per month, you’d have $500 saved within 3 months."
        • call_to_action: "View more"
        • supporting_action: ""
      • amount_remaining_to_reach_second_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to completing step two! Only {amount_remaining_to_reach_goal} more to go to reach $500 saved."
        • call_to_action: "View more"
        • supporting_action: ""
      • start_saving_third_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. If you saved {contribution_needed_to_reach_goal} per month, you’d have $1,000 saved within 3 months."
        • call_to_action: "View more"
        • supporting_action: ""
      • amount_remaining_to_reach_third_goal:
        • title: "Build emergency savings"
        • description: "It’s crucial to be able to cover large, unexpected expenses. You are so close to the finish line! Only {amount_remaining_to_reach_goal} per month more to go to reach $1,000 saved."
        • call_to_action: "View more"
        • supporting_action: ""
    monthly_emergency_savings_reminder_scenario_5.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    monthly_emergency_savings_reminder_drill-down.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    monthly_emergency_savings_reminder_mini-widget.png

Monthly Non-Essential Categories Summary V2

Available Dynamic Released: Q1 2022

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

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • high:
        • title: "Non-essential category summary"
        • description: "Out of {total_amount} you spent in {prior_month}, {non_essential_percentage} was spent on non-essential items. Try spending 30% or less on non-essentials."
        • call_to_action: "View transactions"
        • supporting_action: ""
      • low:
        • title: "Non-essential category summary"
        • description: "Out of {total_amount} you spent in {prior_month}, only {non_essential_percentage} was spent on non-essential items, good job!"
        • call_to_action: "View transactions"
        • supporting_action: ""
      • zero_state:
        • without_data:
          • title: "No longer relevant"
          • description: "Due to changes in the data, the spending information here is no longer relevant."
          • call_to_action: ""
          • supporting_action: ""
        • with_data:
          • title: "Non-essential category summary"
          • description: "It looks like you don't have any non-essential spending this month. You may want to double check how these transactions are categorized."
          • call_to_action: "View transactions"
          • supporting_action: ""
    monhtly_non-essential_category_summary_v2.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    monthly_non-essential_category_summary_v2_non-essentials__yes__essentials__no.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    monthly_non-essential_category_summary_v2_mini-widget.png

Peer-to-Peer (P2P) Categorization

Available Dynamic Released: Q3 2021

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

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title:
        • zero: "Recategorize your transfers"
        • one: "Recategorize your transfer"
        • other: "Recategorize your transfers"
      • description:
        • zero: "You recategorized all your recent transactions. Nice job!"
        • one: "To keep your insights accurate, please take a moment to recategorize this transfer."
        • other: "To keep your insights accurate, please take a moment to recategorize these {count} transfers."
      • call_to_action:
        • zero: ""
        • one: "View transfer"
        • other: "View transfers"
      • supporting_action: ""
    p2p_categorization.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    p2p_categorization_drill_down_2.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    p2p_categorization_mini-widget.png

Replenish Your Savings

Available Static Released: Q4 2021

  • This insight prompts users, one week after they withdraw from their savings account, to replenish some of the amount withdrawn.

    • This insight appears based on the following requirements and triggers.

      Requirements:

      • Account Type = Savings
      • Transaction Type = Debit
      • Activated once a withdrawal occurs then after 7 days from that withdrawal. If more than one withdrawal occurs during that period, then the total amount withdrawn is considered.
      • Only triggered if the withdrawn amount is not replenished after a 7 day period.

      Trigger:

      This is insight is triggered one week after the initial transaction was withdrawn, and the same amount or more has not been added back to the account.

    • This is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Savings withdrawal"
      • description: "On {date}, you withdrew {total_amount} from your {account_name} account. That's what savings is for! Are you ready to replenish some of it now?"
      • call_to_action: "View transactions"
      • supporting_action: ""
    replenish_savings___one_withdrawal.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    replenish_savings_drill_down_2.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    replenish_savings_mini-widget.png

Save Enough to Live On

Available Dynamic Released: Q1 2022

  • This insight encourages users to have emergency savings beyond an initial $1000. It suggests how much users need to save in order to cover one, two, or three months of their spending/expenses.

    • This insight appears based on the following requirements and triggers.

      Requirements:

      • total_balance = Savings + Checking accounts balances
      • Calculate ninety_day_spend
      • average_daily_spend = ninety_day_spend / 90
      • Days to live on = total_balance / average_daily_spend
        • Spend average is calculated based on the 90 days prior to the day the insight is created.
        • Available funds is based on the savings/checking balances as they were on the day the insight was createds

      Trigger:

      This insight is triggered quarterly.

    • This is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "{duration}"
      • description: "As of {date}, this is your ability to cover expenses if you lost your income and average spending continued."
      • call_to_action: ""
      • supporting_action: ""
    save_enough_to_live_on.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    save_enough_to_live_on_drill-down.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    save_enough_to_live_on_mini-widget.png

Savings Account Balances Summary

Available Static Released: Q1 2021

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

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Savings account balances summary"
      • description:
        • not_saved: "It looks like you were not able to add to your savings in {date}. It's tough to save money some months, but you can get back on track this month! Review where you saved in previous months."
        • saved_higher: "In {date}, you saved {previous_month_amount_saved}. That is {previous_month_difference} more than you saved in {previous_month} and brings your total savings balance to {current_balance}. Keep it up!"
        • saved_lower: "In {date}, you saved {previous_month_amount_saved}. That is {previous_month_difference} less than you saved in {previous_month} but still brings your total savings balance to {current_balance}. Keep it up!"
        • saved_same: "In {date}, you saved {previous_month_amount_saved}, the same amount you saved in {previous_month}. This brings your total savings balance to {current_balance}. Keep it up!"
      • call_to_action: "View more"
      • supporting_action: ""
    savings_account_balances_summary.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    savings_account_balances_summary_drill-down.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    savings_account_balances_summary_mini-widget.png

Savings Opportunity V2

Available Dynamic Released: Q1 2022

  • 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.

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Safe to save"
      • description:
        • savings_absent: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to open a savings account?"
        • savings_absent_no_minimum_checking_account_balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
        • specific: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to create this transfer?"
        • specific_no_minimum_checking_account_balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
        • generic: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Would you like to create this transfer?"
        • generic_no_minimum_checking_account_balance: "Good news! We noticed you had {suggested_savings_amount} extra dollars in your {primary_checking_account} account that can be transferred into a savings account. Let's get started."
        • zero_state: "Due to changes in the data, the savings information here is no longer relevant."
      • call_to_action:
        • savings_absent: "Open savings account"
        • savings_absent_no_minimum_checking_account_balance: "Get started"
        • specific: "Transfer funds"
        • specific_no_minimum_checking_account_balance: "Get started"
        • generic: "Transfer funds"
        • generic_no_minimum_checking_account_balance: "Get started"
        • zero_state: ""
      • supporting_action: ""
    power_savings_opportunity___state_1.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    savings_opportunity_v2_drill-down-2.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    savings_opportunity_v2_mini-widget.png

Uncategorized Transaction V2

Available Dynamic Released: Q1 2022

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

    • 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 is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Uncategorized transactions"
      • description:
        • zero: "You categorized all your recent transactions. Nice job!"
        • one: "Let's categorize this transaction. Doing so will help us provide you with more accurate and holistic insights on your finances."
        • other: "Let's categorize these transactions. Doing so will help us provide you with more accurate and holistic insights on your finances."
      • call_to_action:
        • zero: ""
        • one: "View transaction"
        • other: "View transactions"
      • supporting_action: ""
    uncategorized_transactions_v2.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    uncategorized_transactions_v2_drill-down.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    uncategorized_transactions_v2_mini-widget.png

Upcoming Subscription Payment

Available Static Released: 2020

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

    • 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.

    • This is the default text for this insight card. These are customizable. To customize, contact your CSC.

      • title: "Upcoming subscription"
      • description: "You have an upcoming subscription payment due on {date} with {merchant_name} for the amount of {amount}."
      • call_to_action: "View subscription"
      • supporting_action: ""
    upcoming_subscription__1_.png
  • Drill-down

    The drill-down view appears when a user clicks the call to action. For example, "View Transactions" or "Learn More."

    upcoming_subscription_drill-down.png
  • Mini-widget

    This insight includes a mini-widget option. The mini widget can be embedded on any web page for a simpler Financial Feed experience.

    Learn more

    upcoming_subscription_mini-widget.png

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