What are Dynamic Insights?
There are two types of insights: static, and dynamic (sometimes called "sampled"). Static insights use the data that is available when the insight is created. That data does not change and the insight remains static in the feed.
Dynamic insights are generated in the same way as static insights, but they can be refreshed with the latest data. We call this latest data an insight sample.
Insight samples are temporary snapshots and are not saved in a database. They are accessed when needed. For example, when the user views the dynamic insight in the feed, the insight will refresh with the latest relevant data.
Sometimes when an insight sample is requested, the related data has changed and no longer meets the criteria which would trigger the initial insight. This could happen, for example, when the primary transaction for a deposit insight is recategorized. When this happens, we present the insight as a zero-state, which informs the user that a change has been made in the data.
Dynamic Insights
| Dynamic Insights | Zero State Triggers |
|---|---|
| 529 Deposit | No Primary Transaction, Primary Transaction Category Excluded |
| Category Spending v2 | Not Enough Data to Compute Weighted Averages (User Guid, Category Guid, Account Guids, Dates must all be present) |
| Cost of Living To Income | No Primary Account, No Income Transactions, Category Threshold Not Reached |
| Designate Emergency Savings Account | No zero state triggers. This insight has a scenario that accounts for no transactions |
| HSA Deposit | Associated Transactions Below Threshold, Associated Transactions Category Excluded |
| HSA Withdraw | No Primary Account, No Primary Transaction, Primary Transaction Category Excluded |
| Missing Interest Rate | No Primary Account |
| Monthly Debt to income Comparison v2 | No Previous Monthly Summary, Previous Monthly Summary has No Income |
| Monthly Deposit Summary v2 | No Deposits in Previous Month |
| Monthly Non Essential Category Summary v2 | Essential-, Non-Essential-, or Total-Transaction-Amount Negative |
| Monthly Savings To Income Comparison | No Previous Monthly Summary, Previous Monthly Summary has No Income |
| Monthly Subscription Aggregate v2 | No Subscriptions |
| Monthly Top Merchant Spending v3 | No Non-Essential Transactions for Any Merchant in the Previous Month |
| Monthly Top Transacted Merchant | No Relevant Accounts, No Relevant Transactions, Less than 4 Merchants |
| Peer-to-Peer (P2P) Categorization | No zero state triggers. This insight has a scenario that accounts for no transactions |
| Save Enough to Live On | No Savings or Checking Accounts, No Debit Transactions in Previous 90 Days, User Has > 365 Average Daily Spending in Savings |
| Savings Opportunity v2 | No Primary Account, Primary Account Balance not Positive, Relevant Savings Deposit Exists, No Historical Transactions, Insufficient Spending History, Suggested Savings Not Positive |
| Uncategorized Transactions v2 | No zero state triggers. This insight has a scenario that accounts for no transactions |
| Unified deposit | Primary Transaction not Credit |
| Weekend Spending Summary v2 | No Non-Essential Category Transactions in Date Range |
| Weekly new merchants | No weekly merchants or no mature accounts or no transactions |
| Weekly No Spend Days | No Days in Previous Week without Non-Essential Category Transactions |
| Weekly Small Purchases Summary | No Small Purchase Transactions in Previous Week |
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