Monthly User Profile Attributes

This feature supports monthly profile attribute data sets for financial institutions optimized for analytics. The monthly profile schema may be updated with new attributes without disrupting existing data.

Schema and Attributes

info

This product is under active beta development, and the schema may change. This page is only accessible with a direct link. You will need the link for this page every time you want to access it.

The proposed list of attributes are below, categorized by users, accounts, discovered accounts, top merchants, and affinity.

Users

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID	Yes	TRUE
external_guid	User ID passed to MX from accessor	string	GUID		TRUE
first_name	User's first name	string			TRUE
last_name	User's last name	string			TRUE
postal_code	User's full mailing address	string			TRUE
email	User's email address	string			TRUE
sex	User's gender	string			TRUE
birthday	User's birthday	date			TRUE
phone	User's phone number	string			TRUE
created_at	The datetime that the user was created on the MX platform	datetime			TRUE

Accounts

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID		TRUE
user_external_guid	User ID passed to MX from accessor	string			TRUE
mx_account_guid	The account ID created by MX	string	GUID	Yes	TRUE
account_external_guid	Account ID passed to MX from accessor	string			TRUE
type	Account Type	string			TRUE
subtype	Account Sub Type	string			TRUE
institution_guid	The institution ID created by MX	string	GUID		TRUE
institution_name	Institution name of the account holder	string			TRUE
apr	The annual percentage rate associated with the account	decimal			TRUE
apy	The annual percentage yield associated with the account	decimal			TRUE
available_balance	The balance that is available for use in asset accounts like checking and savings. PENDING transactions are typically taken into account with the available balance, but this may not always be the case. available_balance will usually be a positive value for all account types, determined in the same way as the balance field	decimal			TRUE
available_credit	The amount of credit available for use in liability accounts such as credit cards and lines of credit. Pending transactions are usually taken into account	decimal			TRUE
balance	The balance on the account	decimal			TRUE
cash_advance_apr	The account's APR for cash advances	decimal			TRUE
cash_balance	The cash balance of the account	decimal			TRUE
cash_surrender_value	The sum of money paid to the policyholder or annuity holder. This is paid in the event the policy is voluntarily terminated before it matures, or the insured event occurs	decimal			TRUE
created_at	The date and time the account was created on the MX Platform	datetime			TRUE
credit_limit	The credit limit associated with the account	decimal			TRUE
day_payment_is_due	The day the payment is due each month	int			TRUE
death_benefit	The amount paid to the beneficiary of the account upon death of the account owner	int			TRUE
has_monthly_transfer_limit	Indicates whether the associated account has monthly transfer limits	boolean			TRUE
holdings_value	The sum of all long holdings within this account, not including any that are shorted and not including cash	decimal			TRUE
interest_rate	The interest rate associated with the account	decimal			TRUE
insured_name	The name of the insured individual	string			TRUE
is_closed	Indicates whether the account has been closed	boolean			TRUE
is_internal		boolean			TRUE
is_personal	Indicates whether the associated account is a personal (and not a business) account	boolean			TRUE
last_payment	The amount of the most recent payment on the account	boolean			TRUE
matures_on	The date on which the account matures	datetime			TRUE
minimum_balance	The minimum balance associated with the account	decimal			TRUE
minimum_payment	The minimum payment required for an account. This can apply to any debt account	decimal			TRUE
name	The human-readable name for the account	string			TRUE
nickname	An alternate name for the account	string			TRUE
original_balance	The original balance associated with the account. This will always be positive	decimal			TRUE
payment_due_at	The date and time at which the next payment is due on the account	datetime			TRUE
payoff_balance	The payoff balance for a debt account. This will normally be a positive number	datetime			TRUE
account_monthly_average_balance	The average balance for the account over the previous month	float			FALSE
premium_amount	The insurance policy's premium amount	decimal			TRUE
property_type	The type of property associated with the account. Valid Values 0 (REAL ESTATE) 1 (VEHICLE) 2 (ART) 3 (JEWELRY) 4 (FURNITURE) 5 (APPLIANCE) 6 (COMPUTER) 7 (ELECTRONICS) 8 (SPORTS EQUIPMENT) 9 (Miscellaneous)	int			TRUE
started_on	The date on which a debt account was started	datetime			TRUE
statement_balance	The balance at the end of the monthly statement. This balance can be different than the actual balance in the account	decimal			TRUE
total_account_value	The sum of the long and short positions, the sweep account and/or cash balance, and any margin debt associated with a particular account. This amount includes the market value of all positions held in the account and is reduced by any debit balance and the amount of short options positions that are "in the money". This may sum to a negative value, and it does not represent an account balance	decimal			TRUE

Discovered Accounts

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID	Yes	TRUE
user_external_guid	User ID passed to MX from accessor	string	GUID	Yes	TRUE
discovered_account_guid	GUID assigned by MX for discovered account	string	GUID	Yes	TRUE
type	Account Type	string			TRUE
subtype	Account Sub Type	string			TRUE
organization_guid	Organization GUID	string	GUID		TRUE
organization_name	Organization Name	string			TRUE
discovered_account_balance					FALSE
created_date	The date and time at which the record was created	date			TRUE

Top Merchants

Top 3 by transaction count and by average transaction amount.

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID	Yes	TRUE
user_external_guid	User ID passed to MX from accessor	string	GUID	Yes	TRUE
merchant_guid	GUID assigned by MX for merchant	string	GUID	Yes	TRUE
merchant_name	Name of merchant	string			TRUE
merchant_website_url	The URL of the merchant's website	string	URL		TRUE
merchant_transaction_count	The count of transactions the user had with the merchant in the previous month	int			TRUE
merchant_transaction_average_amount	The average transaction absolute value of the transaction amounts the user had with the merchant	float			TRUE
merchant_user_rank	The numerical rank for the merchant with the user (1-3)	int			TRUE
merchant_user_rank_category	Which ranking is used on this row (count or average amount)	string			TRUE
merchant_user_ranking_date	The date of the previous month end	date			TRUE

User Affinities

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID	Yes	TRUE
user_external_guid	User ID passed to MX from accessor	string	GUID	Yes	TRUE
user_affinity_name	The name of the affinity segment	string	GUID	Yes	TRUE
user_affinity_transaction_count	The count of transactions the user had in the affininty group during the previous month	int			TRUE
user_affinity_transaction_amount_total	The total amount (absolute value) of the transactions the user had in the affinity group during the previous month	float			TRUE
user_affinity_rank	The rank of this affinity for the user (1-3)	int			TRUE
user_affinity_date	The date of the previous month end	date			TRUE

Model Results

Name	Definition	Data Type	Logical Data Type	Primary Key	Exported
snapshot_date	The date the file/table/data was created	date			TRUE
mx_user_guid	The user ID created by MX	string	GUID	Yes	TRUE
external_guid	User ID passed to MX from accessor	string	GUID	Yes	TRUE
finstrong_score	The score generated by the Finstrong process	int			TRUE
generation	An indication of the user's demographic generation	string			TRUE
primacy_score	The primacy score generated as part of the Customer Analytics process	int			TRUE
attrition_score	The score calculated by the deposit attrition model	int			TRUE
attrition_risk_tier	The name of the risk tier that the user belongs to, given the risk score	string			TRUE
attrition_reason_codes	A delimited list of the reason codes that apply to the user	string			TRUE
spend_to_income_ratio	The 3 month spend-to-income ratio for the user, expressed as a decimal	float			TRUE
spend_to_income_3_month_income	The average monthly income of the user over the 3 month period used for the spend-to-income calculation	float			TRUE
spend_to_income_3_month_spend	The average monthly spend of the user over the 3 month period used for the spend-to-income calculation	float			TRUE
spend_to_income_date	The end date of the 3 month period over which the spend-to-income ratio was calculated	date			TRUE
spend_to_income_reason_codes	A delimited list of the reason codes that apply to the user	string			TRUE
movers_likely_moved_on	The most recent date where a highly likely move was detected for the user.	date			TRUE
movers_score	The confidence score for this prediction	int			TRUE
movers_reason_codes	A delimited list of the reason codes that apply to the user	string			TRUE

Model Reason Code

model_reason_code_column	The column name where the reason code(s) are stored in the model results table
reason_code	The individual reason code
reason_code_name	The name of the reason code
reason_code_definition	A definition of the reason code