Insights Details

Following is the list of available insights and links to their implementation details:

Sr. No.	Insight Title and Implementation Details	Description
1	Aggregate Credit Card Account	Generates an insight to alert users to aggregate their credit card account if a credit card payment is found for the user in any of his bank accounts.
2	Aggregate Insurance Account	Generates an insight when insurance payment is identified but no corresponding insurance account was found for the user.
3	Aggregate Investment Account	Generates an insight when an investment transaction is identified but no corresponding investment account was found for the user.
4	Aggregate Mortgage Account	Generates an insight when a mortgage payment is identified but no corresponding mortgage account was found for the user.
5	Aggregate Real Estate Account	Generates an insight when a mortgage payment is identified but no corresponding real estate account was found for the user.
6	Aggregate Savings/Checking Account	Generates an insight when a credit card account is identified but no corresponding bank account was found for the user.
7	Balance Above Threshold	Generates an insight when the balance of a bank account is above a configured threshold.
8	Bill Changed	Generates an insight when a recurring bill changes by more than a configured threshold.
9	Bill Not Paid	Generates an insight if a recurring bill has not been paid for more than a configured number of days.
10	Bill Paid	Generates an insight when a recurring bill is paid.
11	Card Payment Due Reminder	Generates an insight when a credit card payment is due in the coming days based on a configured threshold.
12	Card Statement Available	Generates an insight when a new credit card statement is available.
13	Cash Flow Summary	Generates an insight that provides cash flow trends over a configured time period.
14	Cash Flow Summary - All Accounts	Generates an insight to give a picture of cash flow details for all the accounts for the defined time period. This is a scheduled insight and captures the details of cash inflow, cash outflow, and net transfer details for each month in the defined duration across the applicable accounts.
15	Categorize Transactions	Generates an insight to alert users that there are uncategorized transactions. If they wish, they can re-categorize those transactions.
16	Change in Assets	Generates an insight when total assets change by more than a configured threshold.
17	Change in Liabilities	Generates an insight when total liabilities change by more than a configured threshold.
18	Change in Net Worth	Generates an insight when net worth changes by more than a configured threshold.
19	Change in Property Value	Generates an insight when the value of property changes by more than a configured threshold.
20	Count of Transactions by Merchant	Generates an insight that provides spending trends (based on transaction count) by merchants over a configured time period.
21	Count of Transactions by Merchants - All Accounts	Generates an insight that provides spending trends (based on transaction count) by merchants over a configured time period across all the eligible accounts for the user.
22	Credit Card APR Change	Generates an insight when the credit card APR changes by a predefined threshold value.
23	Credit Utilization Warning - All Cards	Generates an insight when the balance on all credit cards is more than a configured threshold.
24	Credit Utilization Warning - Single Card	Generates an insight when the balance on a single credit card is more than a configured threshold.
25	Debt To Income Ratio	Generates an insight that provides the ratio of debt to income.
26	Duplicate Transaction	Generates an insight when the system identifies a duplicate transaction for the user.
27	Duplicate Subscription - All Accounts	Generates an insight when one or more unexpected subscription transactions are identified within the regular subscription schedule.
28	Emergency Savings	Generates an insight that provides an estimate of available emergency savings.
29	Financial Fees	Generates an insight that provides financial fee trends over a configured time period.
30	Financial Fees - All Accounts	Generates an insight that provides financial fee trends over a configured time period across any of the user’s accounts.
31	Financial Forecast	Generates an insight that provides information about the upcoming financial activity of the consumer.
32	Foreign Merchant Detected	Generates an insight when a foreign transaction or merchant is detected for the user’s account.
33	High Bills & Subscriptions Cost Based on Peers	Generates an insight when users spend on a specific biller or subscription merchant is above a threshold compared to peers.
34	Income Exceeded Threshold - All Accounts	Generates an insight when an income across all the accounts in the specified duration exceeds the configured threshold.
35	Insufficient Balance To Cover Upcoming Bills And Subscriptions	Generates an insight when an account is projected to have a balance insufficient to cover upcoming bills and subscriptions.
36	Investment Maturity Notice	Generates an insight when an investment is within a configured number of days from maturity.
37	Large Deposit	Generates an insight when a deposit is posted that is more than a configured threshold.
38	Large Deposit - All Accounts	Generates an insight when a deposit is posted that is more than a configured threshold across any of the user’s accounts.
39	Large Purchase	Generates an insight when an expense is posted that is more than a configured threshold.
40	Large Purchase - All Accounts	Generates an insight when a purchase is made that is more than a configured threshold across any of the user’s accounts.
41	Large Transfer	Generates an insight when a transfer-in or transfer-out is made that is more than a configured threshold for a user’s account.
42	Large Withdrawal	Generates an insight when a large amount is withdrawn that is more than a configured threshold for a user account.
43	Loan Maturity Notice	Generates an insight when a loan is within a configured number of days from maturity.
44	Long Tenure Recurring Payments	Generates an insight that lists long-tenured recurring payments.
45	Low Balance Warning	Generates an insight when the balance on a bank account is below a configured threshold.
46	Low Balance Warning - All Accounts	Generates an insight when the balance across all the accounts falls below the threshold.
47	Low Confidence Projected Series	Generates an insight when a low confidence series is projected.
48	Low Confidence Projected Series - All Accounts	Generates an insight when a low confidence series is projected across any of the user’s account.
49	Missed Bills	Generates an insight that informs users about the number of missed bills in a given duration.
50	Missed Subscriptions	Generates an insight to inform the user about any missed payment against a subscription for the given duration.
51	Net Worth Summary	Generates an insight that provides net worth trends over a configured time period.
52	New Bill	Generates an insight when a new recurring bill is detected.
53	New Salary	Generates an insight when a new recurring salary is detected.
54	New Subscription	Generates an insight when a new recurring subscription is detected.
55	Peer Spending Comparison Summary	Generates an insight that provides information about categories the users overspend and underspend compared to their peers' spending.
56	Projected Discretionary Funds	Generates an insight that projects the voluntary funds available between each salary interval.
57	Projected Low Balance	Generates an insight when the projected balance for a bank account is less than a configured threshold.
58	Recurring Deposit is Late	Generates an insight if a recurring deposit has not been posted to an account for more than a configured number of days.
59	Refund Deposited	Generates an insight when a refund is posted that is more than a configured threshold.
60	Refund Deposited - All Accounts	Generates an insight when a refund is posted that is more than a configured threshold across any of the user’s accounts.
61	Salary Changed	Generates an insight when a recurring salary changes by more than a configured threshold.
62	Salary Deposited	Generates an insight when a recurring salary is deposited.
63	Savings Increased Compared to Historical Average	Generates an insight when the overall savings of the user has increased by a defined threshold percentage compared to their historic average savings.
64	Similar Subscriptions	Generates an insight when subscriptions similar in nature are identified for the user.
65	Spending and Earning Comparison	Generates insights that provide the ratio of spending to earning.
66	Spending by Category	Generates an insight that provides spending trends (based on $ amount) by category over a configured time period.
67	Spending by Category - All Accounts	Generates an insight that provides spending trends (based on $ amount) by category over a configured time period across all the eligible accounts for the user.
68	Spending by Detail Category	Generates an insight that provides spending trends (based on $ amount) by detail category over a configured time period in a specific account of the user.
69	Spending by Detail Category - All Accounts	Generates an insight that provides spending trends (based on $ amount) by detail category over a configured time period across all the eligible accounts for the user.
70	Spending by Merchant	Generates an insight that provides spending trends (based on $ amount) by merchants over a configured time period.
71	Spending by Merchant - All Accounts	Generates an insight that provides spending trends (based on $ amount) by merchants over a configured time period across all the eligible accounts for the user.
72	Spending Exceeded Average	Generates an insight when the difference, per category, between current spending, and average spending over the previous three months is more than a configured threshold.
73	Spending Exceeded Average - All Accounts	Generates an insight when the current month's spending exceeds the average spending in the last three months for all the applicable accounts.
74	Subscription Changed	Generates an insight when a recurring subscription changes by more than a configured threshold.
75	Subscription Paid and Bill Paid - All Accounts	Generates an insight when a recurring bill or subscription is paid across any of the user's account within the configured duration.
76	Subscription Not Paid	Generates an insight if a recurring subscription has not been paid for more than a configured number of days.
77	Subscription Paid	Generates an insight when a recurring subscription is paid.
78	Suggested Saving Opportunity	Generates an insight that provides information about categories where the consumer could potentially save compared to his peers' spending.
79	Unable To Refresh Account	Generates an insight when an account is not able to refresh.
80	Upcoming Bills	Generates an insight that lists upcoming recurring bills within a configured time period.
81	Upcoming Bills - All Accounts	Generates an insight that lists upcoming recurring bills for all the applicable accounts of the user within a configured time period.
82	Upcoming Subscriptions	Generates an insight that lists upcoming recurring subscriptions within a configured time period.
83	Upcoming Subscriptions - All Accounts	Generates an insight that lists upcoming recurring subscriptions for all the applicable accounts of the user within a configured time period.
84	Upcoming Bills and Subscriptions - All Accounts	Generates an insight that lists upcoming recurring bills and subscriptions for all the applicable accounts of the user within a configured time period.
85	Your Spending Last Month Compared to Your Historical Average	Generates an insight to inform the user how the user has spent in the last month compared to his historical average.
86	Zero Card Interest Paid	Generates an insight that congratulates the consumer for not paying any interest for all the card’s accounts in the last month.
87	Income Exceeded Threshold Deprecated	Generates an insight when income for the current month is more than a configured threshold.
88	Net Income Summary Deprecated	Generates an insight that provides net income trends over a configured time period.