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2024

November​

Connect Widget​

We've enhanced the institution connection screen to better highlight a successful connection:

  • Replaced the institution’s logo with a filled checkbox icon.
  • Added a confetti animation to celebrate successful connections.
  • Made a few other minor visual improvements for a better user experience.

Financial Insights​

Users can now unhide insights they’ve hidden.

We've also added a new insight, Direct Deposit Switch, that identifies direct deposits in aggregated accounts and prompts the user to switch their direct deposit to their held account. This insight encourages users to take action on their finances by leveraging direct deposit partners to streamline the switching process.

Connectivity​

As MX continues our transition to Google Cloud, you may soon notice an improvement in the completeness of our data providing future benefits in overall data quality, processing efficiency, and ultimately improving insights derived from the data.

Connect Widget​

We added a navbar to the Connect Widget that contains a back button to direct end users to the previous UI. This button is present on most screens. Examples of screens that don't have the button include the connecting screen, connected screens, and MFA screens.

Member Use Cases​

If you've implemented the Connect Widget to support PFM and money movement use cases, you can use the use_cases field on applicable requests to ensure:

  • Each member is associated with a specific use case.
  • Our PFM and Insights products reflect data only for members with the PFM use case.
  • Members with "use_cases": ["MONEY_MOVEMENT"] do not aggregate transaction data.

In the Connect Widget, this change impacts the flow of new members and existing members.

This is only available for Nexus & SSO API integrations. You must work with MX before enabling this functionality.

See the Connect Widget docs for more info.

Financial Insights​

We added a Set Up Direct Deposit insight that detects held accounts that don't have a direct deposit coming in and prompts the user to set it up.

Investment Data​

We launched our new Investment Data product that enhances and normalizes investment holdings data, providing actionable insights into your customers' portfolios.

See the docs for more info.

August​

Connect Widget​

The No Eligible Accounts screen is shown when there are no valid demand deposit (DDA) accounts on the member. We've consolidated the actions to one button instead of two and updated the error messaging so users can better understand their next steps. When the user clicks the Try again primary action button, the user is automatically navigated to our institution search screen. If you have search disabled, you can still listen for the Back to Search Widget Event to navigate the user to your desired experience.

Customer Analytics​

To help manage audiences used in Marketing Hub campaigns, we’ve launched an Audience Service API. You may retrieve a list of audiences, get a count of members of an audience, and download a list of available audiences in CSV or JSON formats.

Data Access​

For data provider implementations, Data Access now has an API to support building your own Consumer Consent Management Dashboard UI. Use this new API so that your consumers can manage which third parties have access to their data from your mobile app or online site.

Financial Insights​

We've added a new insight: Monthly Obligations Status. This insight informs users if they are on track/off track to pay off their monthly obligations.

June & July​

Mobile​

We’ve added an integration with Paymentus (formerly Payveris) to enable end users to transfer money to/from an external account within our Mobile Banking app. End users are also able to view their historical transfers and modify their scheduled transfers from the mobile app.

May​

Client Dashboard​

You can now set up a SAML SSO login for our Client Dashboard. See our guide for more information.

Connectivity​

Effective May 28, 2024, the First Republic Bank (FRB) institution will no longer be available for new AGG and IAV connections. In addition, updated balances and transactions will be only available via a connection to Chase.

  • FRB has been acquired by Chase
  • FRB Checking, Savings and CD accounts will be migrated to Chase over Memorial Day Weekend
  • Loan accounts will be migrated to Chase later this year

FRB users with an existing Chase connection may see the migrated accounts automatically appear in their existing Chase connection. If not, users may need to re-authenticate with Chase and consent to share the migrated account.

Important things to note:

  • Any existing FRB connections will remain available, but any new transactions and updated balances will only be available through a connection to Chase.
  • User’s old transactions from their FRB accounts will be on their Chase accounts.
  • However, MX will only receive the previous six months of their transactions – anything beyond six months will not be ingested.

Customer Analytics​

We've made the following improvements to the Primary Score page in Customer Analytics to more accurately reflect the financial engagement of your customers:

  • Enhanced primacy score calculation. The Primacy Score will now include an additional point for customers who have one or more Retail Loans.
  • Export list additions. The Number Retail Loans field is now available for export. Additionally, we've surfaced the 30 Day Login Flag for export.

Data Access​

For Data Providers, we’ve removed the following:

  • You can no longer delete or disable intermediaries from the Intermediaries page.
  • You can no longer disable an app from the All Apps page.

Financial Insights​

We’ve released a few new features with our Financial Insights product:

  • Insights API. You can use our API to create your own UI based on the data of our insights. See our API reference and Insights API guide for more details.
  • Enhanced feedback menu in the Insights Widget. Users can now select predefined feedback from a list or write a comment.
  • Monthly Emergency Fund Review insight. This new insight shows users a monthly summary of their emergency fund progress and encourages them to keep saving.

We've updated the Monthly Top Merchant Spending v3 insight to no longer include checks from held accounts.

Mobile​

We’ve released a few new features with our Mobile product:

  • Improved syncing messaging. When the user opens or logs into the app, the app will download the user’s account, transactions, personal finance management data, and sync/update all dashboard cards. This also removes the previous “Sync Bar” and replaces it with a “Syncing” note that can appear on any dashboard card and will help users better understand what in the app is syncing.
  • Running balance totals on transactions. We added a running balance that can display within the Transactions tab of the Accounts Details for held accounts. This feature lets users see their balance for every transaction on an account. It sorts the transactions based on the posted date.
  • Pending transactions. Pending transactions are now clearly labeled as "PENDING" in the following locations:
    • Transactions card on the Dashboard
    • Transactions page
    • Transactions tab after selecting an account

April​

Connect Widget​

We updated the UI/UX in the Connect Widget to provide searchable institutions in a four column tiled state. End users will find it easier to locate and identify their desired institution when connecting their accounts.

Customer Analytics​

We added the following reports:

  • Deposit Opportunity: Provides visibility into direct deposit users to help increase the number of primary financial services users and total amount of deposits on hand.
  • Deposit Variance: Provides specific direction into where consumers have relationships to give you a better idea of where you can win business.
  • Saving Account Attrition: Provides a view into the health of various saving account products over the last 12 months.

Data Access​

We created an easy-to-navigate list of all your data intermediaries. This gives you the ability to drill down into each intermediary to view the steps for materials and contact info needed to onboard them. Find more information in our user guide.

Financial Insights​

We updated the Low Account Balance insight and added the Emergency Fund Withdrawal insight.

Mobile​

You can now see the following insights directly on your transactions in the mobile app:

  • Bill Amount Not Standard
  • Subscription Price Increase
  • Duplicate Payment
  • Fee Detected
  • Large Transactions

Tapping on an insight in a transaction will open the full details of the insight.

March​

Microdeposits​

We now automatically delete stale or inactive microdeposits after 90 days. Clients can request a report to confirm when and which microdeposits have been deleted. See Microdeposit Data Retention.

Connect Widget​

We added a new postMessage: Invalid Data. The postMessage is triggered when there are no valid demand deposit (DDA) accounts on the member. See PostMessage UI Events.

Financial Insights​

We've released our Micro Widget! Smaller than the Mini Widget, the Micro Widget still offers a carousel of insights that users can swipe through. This widget can be as small as 200px in width. Its size makes it the perfect widget to embed in multiple interaction points within your user experience to drive engagement. See the Micro Widget.

February​

Customer Analytics​

  • We’ve updated the navigation menu. If you’re a customer analytics client, you can now experience an improved flow to get you to your reports even faster. If you’re a Customer Analytics and a Data Access client, you can now find both of your products in the same navigation menu.
  • We’ve continued to improve our user interface and design.

Data Access​

  • If you’re a Customer Analytics and a Data Access client, you can now find both of your products in the same navigation menu.
  • We have launched the ability to file Zendesk support tickets from within the Customer Analytics and Data Access UIs. You can use this support feature to create a ticket with the MX support team, correspond with the team in comments and view status changes.
  • There is a new “Onboarding” section where you can see all of the steps needed to set up your Data Access APIs and modify any settings as needed.

Connectivity​

  • We’ve expanded our coverage for several of our products including Account Owner Identification and Extended Transaction History, which will improve the Connectivity experience for these calls, and improve initial conversion for multi-product aggregation calls. Connect Widget
  • In approximately 90 days, we will be changing the method in which clients handle disabling search in the Connect Widget. We will add a new postMessage: mx/connect/backToSearch. Clients that disable search in the Connect Widget will be required to listen for this postMessage to determine when clients have selected a button in the user experience that would lead them to the search for institution user flow. Upon the release of this feature, documentation will be provided.

Client Dashboard​

Compliance Documents are now available in the Client Dashboard and all Community members have been migrated.

Insights​

We’ve added new insights to encourage healthy saving behavior:

January​

Connectivity & APIs​

  • As of January 23, 2024, Chase will begin blocking OAuth authorization attempts for some web containers that have been classified as non-secure. We’ve provided some recommendations on web containers and their limitations with OAuth in our documentation.
  • We’ve released another version of our Platform API. This version introduces unix timestamps when adding date ranges as query parameters in our List Transactions endpoints. Visit our API Reference for more information.

Connect Widget​

  • Connect Widget now polls more frequently for OAuth status which contributed to a 3% increase in successful jobs during the OAuth flow
  • Enhanced accessibility with improved screen reader compatibility and optimized keyboard navigation.
  • Updated the new Verification webhook to include contextually relevant information for customers to leverage in their journeys and remove unnecessary information

Insights​

We launched a few new insights:

And we updated the Weekly No Spend Days insight.

Data Access​

Added the ability for Data Providers to export consented data from the Logs table.

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