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Follow these best practices to maximize your results from Financial Insights.

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Engage Users​

Users engage with insights that are timely and relevant to their situation. We offer three widgets that, when used together, increase the visibility of insights:
  • Insights Widget: A vertical feed of the user’s insights.
  • Mini Widget: A small carousel of up to 5 insights, designed to be embedded as an entry point to the full Insights Widget.
  • Micro Widget: A smaller carousel of up to 5 insights, designed to be embedded as an entry point to the full Insights Widget.
Consider your current banking experience when implementing Financial Insights. If you’d like to increase user engagement with Insights, follow these steps:
  1. Create a dedicated page for the Financial Insights Widget.
  2. Embed multiple instances of clearly labeled Mini or Micro Widgets for Financial Insights on your main landing page or in high-traffic areas. Avoid low-traffic areas or nested pages. These smaller widgets serve as entry points to the full widget.
  3. Set up the embedded Mini or Micro Widget(s) to link to the full Financial Insights Widget. When users select View More, they’ll be taken to the full Insights Widget with the selected insight at the top.
This gives your users a brief glimpse into their financial insights the moment they log on, prompting them to take a deeper dive into the full Financial Insights experience.

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Create Your Experience​

Use a combination of custom-made and prebuilt insights to create a comprehensive experience for your users.

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Custom Insights​

You can create custom insights to support your unique business goals, such as limited-time offers or campaigns. For example, you could run a 3-month Cash Back campaign where you flag all gas purchases and offer a reward (using a custom insight) if users pay with your bank credit card. You can turn off the insight once the campaign ends. We also recommend choosing insights from our Insights Library that will be most helpful to your users. These are designed to be enabled indefinitely. We recommend starting with these and adding others as desired. Typical implementations enable around 35 insights. We recommend starting with these and adding others as desired.
Insight NameTypeDescription
Bill Amount Not StandardSpendNotifies users of a bill payment that’s higher or lower than usual.
Category BudgetSpendNotifies users about their budget status.
Category SpendingSpendPrompts users to create a spending limit when spending in a category is growing significantly.
Celebrate Credit Card PayoffBorrowCelebrates when users pay off a credit card balance.
Charge Dispute RefundSpendNotifies users that they’ve received a credit related to a charge dispute.
Cost of Living to IncomeSpendNotifies users that MX has identified that their spending in one of five category types is high compared to their income.
Credit Card Close to LimitSpendNotifies users that they’ve reached a specified percentage of their credit card spending limit.
Credit UtilizationBorrowNotifies users that their credit utilization is high.
Debt Payment ReminderBorrowNotifies users of an upcoming payment for a liability account.
Designate Emergency Savings AccountSaveAllows users to choose, change, or open their emergency savings account.
Discovered AccountSpendIdentifies discovered accounts from the user’s held account data and suggests they connect the discovered account. This insight is available only if you’re using our PFM or Mobile product.
Duplicate PaymentSpendAlerts users when a possible duplicate payment is detected.
Emergency Savings Milestone ReachedSaveCongratulates users as they pass milestones with their emergency savings balance.
Fee DetectedSpendHelps users identify fees charged to their account.
Introduce InsightsPlanIntroduces new users to insights.
Large TransactionSpendNotifies the user of larger-than-normal transactions.
Low Account BalanceSpendNotifies users when an account balance falls under a certain threshold.
Merchant Credit ReceivedSpendInforms users that they’ve received a refund from a merchant, and displays the refund amount.
MicrodepositsSpendAlerts users when microdeposits have reached their account.
Missing Interest RateBorrowAsks users to share their interest rate.
Monthly Credit Card Interest SummaryBorrowShows users how much they’ve spent in interest on their credit cards over the last 90 days.
Monthly Debt to Income ComparisonBorrowProvides a comparison of debt-to-income spend for the previous four months.
Monthly Deposit SummarySpendTracks all credits coming into a user’s accounts and provides a breakdown of regular versus other income.
Monthly Emergency Fund ReviewSaveShows users a monthly summary of their emergency goal progress.
Monthly Emergency Savings ReminderSaveReminds users to move money into their emergency savings account.
Monthly Obligations StatusSpendInforms users whether they’re on or off track to pay off their monthly obligations.
Monthly Spend ComparisonSpendProvides users with a summary of total expenses in the previous month, together with a comparison of those total expenses against the average for prior months.
Monthly Spend to Income ComparisonSpendShows users their spend-to-income comparison for the last four months.
Monthly Subscription AggregateSpendIdentifies all subscriptions paid by users in the prior month.
Monthly Top Merchant SpendingSpendShows users what merchants they spent the most non-essential money on in the previous month.
New MerchantSpendInforms users when they have new transactions with a merchant that they haven’t shopped with for at least a year.
Payday Cash Left Over StatusSpendInforms users if they’re on or off track to have money left over when their next paycheck is received.
Peer-to-Peer CategorizationSpendIdentifies all transactions which are person to person within the last 30 days.
Replenish SavingsSavePrompts users to replenish their savings account one week after they’ve made a withdrawal from the account.
Save an Extra $100SaveInforms users if they will have enough cash left over on payday to save 100whilemaintaininga100 while maintaining a 100 buffer.
Save Enough to Live OnSaveEncourages users to have emergency savings beyond an initial $1000.
Savings Account DepositSaveCongratulates users when they save money and lets them know that a little savings can make a big difference.
Savings OpportunitySaveTests users’ projected cash position on a monthly basis and notifies them when extra cash may be available for savings.
Set Up Direct DepositSpendTells users that we’ve detected a held account that doesn’t have a direct deposit coming in and prompts them to set it up.
Subscription DetectedSpendNotifies users of a subscription in one of their accounts that hasn’t been identified before.
Subscription Price IncreaseSpendNotifies users that a subscription price has increased.
Switch Direct DepositSpendTells users that we’ve detected a direct deposit that doesn’t route to their held account and prompts them to switch the deposit to the held account.
Transparent OverdraftSpendWarns users of a possible overdraft projected within the next seven days.
Uncategorized TransactionsSpendIdentifies all transactions which have been assigned Uncategorized as the transaction category within the last 30 days.
Unexpected Subscription PaymentSpendNotifies users when a transaction is created that contradicts the user feedback on an associated scheduled payment.
Unified DepositSpendNotifies users of deposits that fall into a particular category.
Upcoming BillSpendAlerts users that in three days they have a bill payment due that’s not a credit card and isn’t a subscription.
Upcoming SubscriptionSpendShows users their upcoming subscription three days before payment occurs.
User FeedbackPlanLets users provide feedback on their insights.
Weekend Spending SummarySpendProvides users with a summary of total non-essential expenses from the previous weekend, grouped by category with total amount spent.
Weekly New MerchantsSpendNotifies users when one or more new merchants are identified that they hadn’t interacted with during the previous week.
American/Canadian Federal Bank HolidaysPlanInforms users about upcoming federal bank holidays. Choose US or CA.
American/Canadian Upcoming Tax Deadline AlertPlanNotifies users about important upcoming tax deadlines. Choose US or CA.