Customer Segments - MX Documentation

The Customer Segments category provides a series of dashboards to help identify your users’ behaviors, needs, and more for your marketing campaigns.

Current Customer Snapshot

This dashboard provides insights from your current customers as you create audiences to find new customers. Build audiences on social media platforms to discover new customers. Use the dropdown menus to filter by account type, account subtype, and internal account status. This report includes the following sections:

Account holder demographics for selected account type
Generation and affinity
Income
Spending
Other accounts

Account holder demographics for selected account type

Data	Description
User count	The total number of users with the selected account type.
Total accounts	The total number of accounts of the selected type. (Accounts with multiple owners may be counted multiple times.)
Average number of accounts per user	The average number of accounts (of the selected type) per user.
Account count distribution (number of users)	Each bar represents the number of users with the specified number of accounts (of the selected type).
Average balance per account	The average balance in each account (of the selected type).
Account balance distribution (number of accounts)	Each bar represents the number of accounts (of the selected type) with the specified balance range.

Generation and affinity

User by generation: The number of users with accounts of the selected type in each generation. (Account holders without birth dates are included in the Unknown total.)
Users by customer affinity: The number of users with the selected account type for each observed spending affinity type. Users with no strong spending affinity are excluded.

Income

Estimated average monthly income: Average monthly income, per user, as estimated from transaction data.
Estimated monthly income distribution (number of users): Each bar represents the number of users (with accounts of the selected type) with estimated monthly income within the specified range. Users whose monthly income couldn’t be calculated are excluded.
Top 15 estimated monthly income sources: The top 15 sources of estimated income for the users. Shown as an aggregate of all income across all accounts (regardless of type) of all users (with selected account types).

Spending

Data	Description
Top 15 discretionary spending categories	Top 15 categories, by amount, in which users with selected account types spent discretionary funds (across all accounts).
Top 15 discretionary spending categories (by user count)	Top 15 categories, by number of users, in which users with selected account types spent discretionary funds (across all accounts).
Top 10 food/dining merchants	The top 10 merchants, by total amount spent, in food and dining categories.
Top 10 entertainment merchants	The top 10 merchants, by total amount spent, in entertainment categories.
Top 10 travel merchants	The top 10 merchants, by total amount spent, in travel categories.

Other accounts

Data	Description
Number of other types of account (top 10)	The number of other types of accounts (both internally held and aggregated accounts) held by users with the selected account type.
Where else do these customers have aggregated accounts? (top 15)	Top 15, by number of accounts, outside financial institutions/fintechs from which users with the selected account types have aggregated accounts.
Where else do the customers have discovered accounts? (top 15)	Top 15, by number of accounts, outside financial institutions/fintechs from which MX has discovered an account in the transaction data of users with the selected account types (across all accounts).
Top 10 crypto exchanges used (in the past year)	Top 10 cryptocurrency exchanges, by total absolute transaction amount, with which users with the selected account types have transacted (across all accounts).

Pre-Built Audiences

View pre-built audiences that you can use to immediately launch campaigns across several different business lines.

Data	Description
Number of unique customers	The total number of unique customers. This number will change as you refine the audience.
Lines of business	Use this to filter the predefined Retail Audiences by the high-level line of business.
Customer count by audience	The number of customers that fit into each Retail Audience.
Predefined audiences	Use this to filter the predefined Retail Audiences by specific predefined retail audience(s).

Customize audience with segment filters Use the filters that follow to generate a list of users for export. Selecting different filters also generates new results in the Distinct users by generation and Distinct users by spending affinity charts.

Data	Description
Direct deposit indicator	Refine the audience by whether the customer has received a direct deposit in the past month.
1-month login indicator	Refine the audience by whether the customer has logged on to an MX product in the past month.
3-month login indicator	Refine the audience by whether the customer has logged on to an MX product in the past 3 months.
Adoption status	Refine the audience by the customer’s Adoption Status.
Generation	Use this to further refine the audience by the customer’s Generation.
Affinity segment	Refine the audience by the customer’s MX Affinity Segment.
Distinct users by generation	The number of users in the selected audience in each generation.
Distinct users by affinity segment	The number of users in the selected audience in each MX-defined Affinity Segment.
External checking indicator	Refine the audience by whether the customer has an external checking account (aggregated).
External savings indicator	Refine the audience by whether the customer has an external savings account (aggregated).
External credit card indicator	Refine the audience by whether the customer has an external credit card account (aggregated or discovered).
External investment indicator	Refine the audience by whether the customer has an external investment account (aggregated or discovered).
County	Refine by the county where the customer lives or transacts business.
State	Refine by the state where the customer lives or transacts business.
Zip code	Refine by the zip code where the customer lives or transacts business.
Export list	An exportable list of the customers in the audience, along with demographic information.

User List

Generate and export a list of users by selecting from the following filters.

External user GUID
Alternate external user GUID
Number of internal accounts
Number of external accounts
PFM/Mobile event days (past 90 days)
Most recent event date
User created date

Export List

The export list provides customer-level data. These lists can be filtered to include or exclude specific details related to external relationships, account and customer demographics, and digital engagement. External Relationship Filter Use this section to learn more about specific customers. Use the Yes or No buttons to filter a specific type of customer in or out of your export list. For example, in the Aggregated checking box, select Yes to include customers that have connected a checking account. Additionally, use the dropdown menu to filter a specific checking account provider in or out of your export list. Note that selecting a filter will filter every other selection throughout this report. Select the Export customer list button to download the list you generate.

Data	Description
Number of customers	The total number of customers on your product or service.
Customers w/ aggregated checking accounts	The total number of the customers that have connected a checking account.
Customers w/ aggregated savings accounts	The total number of customers that have connected a savings account.
Customers w/ aggregated credit cards	The total number of customers that have connected a credit card account.
Customers w/ aggregated mortgage accounts	The total number of customers that have connected a mortgage loan account.
Customers w/ aggregated investment accounts	The total number of customers that have connected an investment account.

Account/Customer demographic filters

Data	Description
Direct deposit status	Select Yes or No to filter your list by whether customers have received a direct deposit in the past month.
Unemployment status	Select Yes or No to filter your list by whether customers have received an unemployment payment direct deposit in the past month.
Adoption status	Select one of the options to filter your list by the customer’s Adoption status. Engaged: 1 or more aggregated accounts plus 1 or more logins per month for the last 3 months. Adopted: 1 or more internal account plus 1 or more login event over the past 60 days. Not-Adopted: Any customer that does not meet the criteria for Engaged or Adopted
CIF number	Use the dropdown menu to filter your list to include customers with a specific CIF number.
Generation	Select a generation to filter your list to include specific generations.
Spending affinity segment	Select a spending affinity to filter your list to include customers with specific spending affinities.
County	Use the dropdown menu to filter your list to include customers from a specific county.
State	Use the dropdown menu to filter your list to include customers from a specific state.

Digital engagement filters

Data	Description
1-month login indicator	Select Yes or No to filter your list by whether the customer has logged on to an MX product in the past month.
3-month login indicator	Select Yes or No to filter your list by whether the customer has logged on to an MX product in the past three months.
LTD login indicator	Select Yes to use the lifetime to date filter to include whether the customer has logged in to an MX product at all.

​Current Customer Snapshot

​Pre-Built Audiences

​User List

​Export List

Current Customer Snapshot

Pre-Built Audiences

User List

Export List