Customer Analytics turns what consumers hold with you, share with you, and spend without you into self-serve segments, so your digital team grows deposits, loans, and card revenue without waiting on IT.
Most institutions sit on more consumer financial data than ever, but IT queues lock it away, and held-account-only views miss where consumers bank, borrow, and spend elsewhere. By the time a list comes back, the moment has passed.
Customer Analytics is the only FI analytics platform built on what consumers hold with you, share with you, and spend without you. Each capability, with the proof it earned.
Customer Analytics combines bank-held, aggregated, and discovered account data, so your team sees the whole consumer, including deposits, loans, and card spend flowing to competitors. The External Relationships Dashboard turns that visibility into win-back and wallet-share audiences. It is only possible because MX owns the full data stack underneath.
Higher balances on accounts with direct deposit, and accounts that last twice as long. Top 5 U.S. bank
Pre-built audiences, external credit card holders, HELOC prospects, direct deposit candidates, are ready to activate out of the box, and data refreshes up to once per day. The platform is the expertise, so the people running campaigns do not wait on the people who query the data.
The Primacy Score ranks every consumer by relationship depth. The Direct Deposit Dashboard segments by direct-deposit status, at your institution or a competitor's. Life-stage and profile signals, retirement, job loss, relocation, surface from transaction patterns for hyper-relevant offers. And Customer Analytics tracks six business metrics filtered by audience, so growth ties directly back to the campaign that drove it.
Estimated annual recurring interchange revenue captured from off-us card spend, using MX data and targeted campaigns. Regional bank, $50 billion
more balance transfers, 3x more new cards. Evansville Teachers FCU.
See the path →lift on loan applications. BECU.
See the path →more logins, engaged users. OneUnited Bank.
See the path →more direct deposit switches in six months. Central Pacific Bank.
See the path →more balance transfers, 3x more new cards. Evansville Teachers FCU.
See the path →lift on loan applications. BECU.
See the path →more logins, engaged users. OneUnited Bank.
See the path →more direct deposit switches in six months. Central Pacific Bank.
See the path →more balance transfers, 3x more new cards. Evansville Teachers FCU.
See the path →lift on loan applications. BECU.
See the path →more logins, engaged users. OneUnited Bank.
See the path →
Account Aggregation and Data Enhancement bring in bank-held, aggregated, and discovered accounts, cleaned and categorized. Enhanced data is the foundation of every segment.
Pick a pre-built audience, like external credit card holders or HELOC prospects. It's ready in minutes, with no IT ticket and no data scientist.
Hand the segment to Insights, Direct Deposit Switch, or your own channels and reach each consumer with an offer relevant to where they actually are.
Track six business metrics, deposits, loans, digital adoption, and aggregation, filtered by audience, so growth ties directly back to the campaign that drove it.
Case Study
Central Pacific Bank embedded MX-powered direct deposit switching into its mobile app, turning paycheck movement into a repeatable growth motion.
"We embedded our direct deposit switch into the mobile app, and the results have been unbelievable. The day we put it on a mobile device, we had 60 conversions in the first week."
Jason Lazzerini, EVP & Chief Digital Officer, Central Pacific Bank
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Case Study
A top 5 U.S. bank used MX intelligence to improve the deposit switching experience to drive held deposits and deepen consumer relationships.
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Case Study
UCCU used MX's wellness and account aggregation tools to speak to its younger, tech-savvy membership, driving engagement and account openings.
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Case Study
VeraBank added MX Insights on top of its existing MX stack, turning personalized guidance into a major lift in engagement, adoption, and account growth.
"Working with MX to implement Insights was quick and easy, and it has significantly enhanced our financial wellness suite."
Jeremy Cartwright, Vice President, VeraBank
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Talk to MX about turning consumer financial data into targeted segments that grow deposits, loans, and card revenue.
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Retention starts with seeing the signal early. Transaction analytics shows when a consumer's direct deposit stops arriving, when card spend moves to another institution, or when a loan payment starts going somewhere else. Banking customer segmentation puts those consumers in one audience, so your team can make an offer while the relationship is still there. Without it, you find out at closure, when the only move left is a save call.
Personalization needs more than the accounts a consumer holds with you. Customer Analytics combines bank-held, aggregated, and discovered account data, so you see where consumers bank, borrow, and spend elsewhere. Life-stage signals, like retirement, a job loss, or a move, surface from transaction patterns. The segment carries that context into the campaign, so a consumer saving for a house sees a mortgage offer instead of a generic rate email.
The segments run on three kinds of data. Bank-held data is what the consumer already has with you. Aggregated data is what they permission and connect from other institutions. Discovered data is the outside relationship MX identifies from the transactions already flowing through their accounts. MX Data Enhancement cleanses and categorizes all of it before it reaches a segment, which is why the audience holds up when marketing acts on it.
The person running the campaign builds it. Pre-built audiences, such as external credit card holders, HELOC prospects, and direct deposit candidates, are ready out of the box. The data refreshes up to once per day. No IT ticket, and no data scientist in the middle.
Independently audited controls for security and availability
Card data handled to payment-industry standards.
A public report you can read without an NDA
Aligned with California consumer-privacy rules.
Aligned with EU data-protection requirements.
