Grow Financial Wellness and the balances follow.

Consumers who are financially strong save more, stay longer, and hold more products with you. MX turns the data you already have into daily digital engagement that makes them stronger.

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Increase savings balances

Engaged users saw 64% increase in savings account openings

Emprise Bank

Increase account openings

Engaged users saw 64% increase in savings account openings

VeraBank

Increase product cross sell

Engaged users are significantly more likely to open up an additional account or product. MX research showed engaged users were 3.9X more likely to open up a loan account.

MX research

Financially stressed consumers quietly leave.

A consumer under money pressure does not call to complain. They log in less. They borrow less. They start taking advice from an app that is not yours, and the relationship moves with it.

By the time it shows up in your numbers, they are already gone. Financial wellness tools are usually bolted on late, as a nice-to-have, so almost nobody uses them and they change nothing.

Stress is a churn signal. You can see it in the data before it costs you the relationship.

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58%

of Americans are living paycheck to paycheck.

50%

of Americans say money negatively affects their mental health.

47%

of consumers want to use AI to help manage their finances.

What growing financial wellness actually means.

Financial Wellness is a change in consumer behavior that you can actually measure on your own balance sheet.

Balances, products, and retention

A consumer who spends smarter saves more. A consumer who saves more borrows better and invests sooner. Each step leaves more money with you and gives them another reason to stay.

Silent attrition

Financial stress shows up as disengagement long before it shows up as a closed account. Catching the drift early is cheaper than winning the consumer back later.

Digital engagement banking, built on data you already hold.

Most wellness tools are a separate tab nobody opens. MX works from the consumer's whole financial picture, inside the app they already use, so the guidance is specific enough to act on.

CONNECT

See the whole picture

Link every account a consumer holds, including the ones held somewhere else. You cannot tell someone how they are doing on money you cannot see.

Connect

ANALYZE

Make the data mean something

Enriched transaction data turns a list of charges into a pattern. Where the money goes, what is safe to save, which subscription is quietly renewing.

Analyze

ENGAGE

Say it at the right moment

Surface financial insights inside your own app right when it matters to the consumer. A warning before the overdraft is worth more than a summary after it.

Engage

ACT

Make the good decision easy

Move money to savings. Set up the recurring transfer. Model the debt payoff. The guidance finishes as an action, not as advice the consumer has to go do.

Act

Six ways wellness turns into growth. Start where your consumers are stuck.

The first four follow the consumer's own money: what they spend, what they keep, what they borrow, what they build. The last two are what those four earn you.

Guide Consumers to Spend Wisely

Guide Consumers to Spend Wisely

Most people cannot say where their money went last month. Overspending stays invisible until it arrives as an overdraft or a balance that will not go down. MX reads spending as it happens and says something useful before it costs them, like flagging the subscription that renews on Friday.

See the Financial Wellness use case
Help Consumers to Save More

Help Consumers to Save More

Everyone means to save. Almost nobody knows how much they can spare this month without getting into trouble. MX compares money coming in against money going out, finds what is actually safe to move, and lets the consumer set it aside in a couple of taps.

See the Financial Wellness use case
Prepare Consumers to Borrow Smarter

Prepare Consumers to Borrow Smarter

A consumer who does not qualify today usually just gets a no. That is a customer you turned away and a loan you never wrote. MX shows them where their credit stands, what is holding it back, and how fast their debt clears if they change one thing, so the next answer can be yes.

See the Financial Wellness use case
Help Consumers Invest in the Future

Help Consumers Invest in the Future

Investing gets put off because the picture is scattered. Money sits in four places and none of them add up to a number anyone trusts. MX pulls it into one net worth view, which is usually the first time a consumer sees they already have enough to start.

See the Financial Wellness use case
Loyalty and Retention

Loyalty and Retention

A consumer drifting away gets quiet before they leave. MX reads the spend, save, borrow, and invest signals together to flag the accounts heading toward dormancy while there is still time to do something. The consumers who stay are the ones who came to you for guidance and got it.

See the Financial Wellness use case
Multi-Product Capture

Multi-Product Capture

One product per consumer rarely pays for itself, and most people stop at the first one. Wellness data shows you the moment the second one actually makes sense, when someone starts building a savings habit or their credit picture turns. The offer lands because it fits, not because it was scheduled.

See Customer Intelligence

VeraBank

“Working with MX to implement Insights was quick and easy — and it has significantly enhanced our financial wellness suite.”

Jeremy Cartwright, Vice President, VeraBank
Read about VeraBank and MX

What it looks like when it works

Banks and credit unions using MX to make consumers financially stronger, and the numbers they moved.

1 → 8

Days per month a consumer logged in, after money management tools were turned on.

Emprise Bank

Read the case study >

17.6x

Growth in active users of the financial tools since integration.

VeraBank

Read the case study >

9.55%

Account growth among consumers using the tools, close to double the rate of all digital users.

VeraBank

Read the case study >

27%/64%

Higher checking and savings account open rates among engaged consumers.

UCCU

3.9x

Greater increase in loan accounts among consumers who became more engaged.

MX research

Read the research >

2x

Higher savings balances for engaged users on the MX platform.

Utah Community Credit Union

Financial wellness, answered.

What banks and credit unions ask about financial wellness.

What Is Financial Wellness?

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Financial wellness is how well someone is actually handling their money day to day, not how much of it they have. It covers four things: spending with some idea of where it goes, keeping a cushion for when something breaks, borrowing on terms they can carry, and putting something aside for later. Someone earning a good salary can be financially unwell, and someone earning much less can be doing fine.

What Are The Key Pillars Of Financial Wellness?

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Four: spend, save, borrow, and plan. Spending wisely means seeing where money goes before it becomes an overdraft. Saving more means finding what is actually safe to set aside. Borrowing smarter means understanding credit before applying for it. Investing means starting once the first three are steady. They build on each other, which is why fixing spending first tends to move everything else.

Why Is Financial Wellness Important For A Bank Or Credit Union?

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Because financially stressed consumers disengage, and disengaged consumers leave. They log in less, borrow less, and start getting guidance somewhere else. Consumers who get financially stronger do the opposite: they hold higher balances, take more products, and stay longer. It is not a goodwill program. It is retention and share of wallet, measured the same way as anything else on the balance sheet.

How Do You Improve Financial Wellness For Your Consumers?

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Start with data you already have. Enriched transaction data shows you what someone spends, what is safe for them to save, and where their credit is holding them back. You can deliver financial insight directly in your app at the moment in matters for the consumers. You can then facilitate the action that moves them along in their financial wellness journey.

What Is A Digital Banking Engagement Platform?

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It is the layer that turns a banking app from a place people check a balance into a place they come for guidance. It reads a consumer's full financial picture, including accounts held elsewhere, and surfaces something useful at the right moment. The engagement is the point: consumers who open the app for a reason are the ones who keep their money with you.

What Is The Difference Between Financial Wellness And Personal Financial Management?

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Personal financial management, or PFM, usually describes the tools: budgets, categories, a net worth screen. Financial wellness describes what those tools are for, which is a consumer who ends up in better financial health. The distinction matters because a budgeting screen nobody opens is not wellness. MX builds tools that actually drive financial wellness and help you measure the outcome.

Financially stronger consumers are worth more to you.

Let's turn your digital channel into the place they come for guidance.

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