Trait store
The traits listed below are currently available in the Q2 SMART application.
Note: The trait store includes all traits currently supported by Q2; however, not all traits listed are accessible by your FI.
Contextual Personal Financial Management (CPFM)
|
Trait |
Description |
Tags |
|---|---|---|
| 401k plan transaction date | This trait describes when the user completed a transaction for a 401k plan. | retirement, Internal products |
| 401k plans | This trait indicates whether a user has a 401k plan. | retirement, Internal products |
| 403b plan transaction date | This trait describes when the user completed a transaction for a 403b plan. | retirement, Internal products |
| 403b plans | This trait indicates whether a user has a 403b plan. | retirement, Internal products |
| 529 plan transaction date | This trait describes when the user completed a transaction for a 529 plan. | retirement, Internal products |
| 529 plans | This trait indicates whether a user has a 529 plan. | retirement, Internal products |
| Accounts ignored by Q2 SMART™ | This trait indicates whether a user has an account ignored by Q2 SMART™. | SMART, Internal products |
| Accounts ignored by Q2 SMART™ transaction date | This trait describes when the user completed a transaction for an account ignored by Q2 SMART™. | SMART, Internal products |
| ACH batch file | This trait indicates whether a user has processed an ACH batch file. This is not based on enablement, but on actual usage of the feature. | transfer |
| ACH batch file process date | This trait describes when the user processed an ACH batch file. | transfer |
| ACH Pass-thru | This trait indicates whether a user has performed an ACH Pass-thru. This is not based on enablement, but on actual usage of the feature. | transfer |
| ACH Pass-thru date | This trait describes when a user used ACH Pass-thru. | transfer |
| ACH payment date | This trait indicates when the user completed a transaction for a ACH payment. This is not based on enablement, but on actual usage of the feature. | transfer |
| ACH payment transactions | This trait indicates whether a user has performed an ACH payment transaction. This is not based on enablement, but on actual usage of the feature. | transfer |
| ACH payroll process date | This trait describes when the user processed an ACH payroll. | transfer |
| Annual deposited income | This trait describes the estimated annual deposited income for a user based on the deposits made to all their consumer accounts at the financial institution. | profile |
| Auto maintenance transaction frequency | This trait indicates the frequency of auto maintenance transactions (gas, oil changes, car washes, etc.) over the last 180 days. User activity is represented by a frequency score (range 0 - 100), which is calculated by comparing an individual user's frequency value to the normalized frequency values of all users. | transactions, auto |
| AutoPay enabled | This trait indicates whether AutoPay is enabled for a user based on their transaction patterns. | transactions |
| Basic checking account transaction date | This trait describes when the user completed a transaction for a Basic checking account. | checking account, Internal products |
| Basic checking accounts | This trait indicates whether a user has a Basic checking account. | checking account, Internal products |
| Bill Pay - eligible to enroll | This trait A trait represents a group of people who exhibit a shared behavior. Traits are the building blocks of campaign audiences, which you can use to target users in a campaign. identifies whether a consumer user is
eligible to enroll in Bill Pay. This trait is supported for PSCU PayLynx Payment Manager, iPay Solutions™, FIS® Fusion™, and CheckFree Fiserv and are only available for FIs using Bill Pay for consumers. |
enroll, Bill Pay |
| Bill Pay enrolled | This trait A trait represents a group of people who exhibit a shared behavior. Traits are the building blocks of campaign audiences, which you can use to target users in a campaign. indicates whether a consumer user is enrolled
in Bill Pay. This trait is supported for PSCU PayLynx Payment Manager, iPay Solutions™, FIS® Fusion™, and CheckFree Fiserv and is only available for FIs using Bill Pay for consumers. |
enroll, Bill Pay |
| Bill Pay usage | This trait A trait represents a group of people who exhibit a shared behavior. Traits are the building blocks of campaign audiences, which you can use to target users in a campaign. indicates a user’s Bill Pay usage in the last 180 days. Usage is represented by an RFM score (range 0 - 100). The RFM score is calculated using the average of the normalized rank of recency, frequency, and monetary values. This trait is supported for PSCU PayLynx Payment Manager, iPay Solutions™, FIS® Fusion™, and CheckFree Fiserv and is only available for FIs using Bill Pay for retail and business customers. |
Bill Pay |
| Brokerage account transaction date | This trait describes when the user completed a transaction for their Brokerage account. | brokerage, Internal products |
| Brokerage accounts | This trait indicates whether the user has a Brokerage account. | brokerage, Internal products |
| Card Controls enabled | This trait indicates whether Card Controls is enabled for a user. Card Controls relates to the Q2 extension product, Card Management. Only the FIs using Card Management can return target audiences An audience determines who a campaign targets. Specify an audience to determine which users are included or excluded from a campaign. for this trait. |
Card Management |
| CardSwap registered cards | This trait indicates whether a user has a card registered in Q2 CardSwap™. This trait is only available for FIs using CardSwap. | |
| CD transaction date | This trait describes when the user completed a transaction for a CD (certificate of deposit). | CD, Internal products |
| CDs | This trait indicates whether a user has a CD (certificate of deposit). | CD, Internal products |
| Charge-off transaction date | This trait describes when the user completed a transaction for an account with a Charge-off. | nontraditional, Internal products |
| Charge-offs | This trait indicates whether a user has received a Charge-off. | nontraditional, Internal products |
| Commercial CD transaction date | This trait describes when the user completed a transaction for a Commercial CD (certificate of deposit). | CD, Internal products |
| Commercial CDs | This trait indicates whether a user has a Commercial CD (certificate of deposit). | CD, Internal products |
| Commercial checking account transaction date | This trait describes when the user completed a transaction for a Commercial checking account. | checking account, Internal products |
| Commercial checking accounts | This trait indicates whether a user has a Commercial checking account. | checking account, Internal products |
| Commercial credit card transaction date | This trait describes when the user completed a transaction on their Commercial credit card. | credit card, Internal products |
| Commercial credit cards | This trait indicates whether a user has a Commercial credit card. | credit card, Internal products |
| Commercial indirect auto loan transaction date | This trait describes when the user completed a transaction for their Commercial indirect auto loan. | auto, Internal products |
| Commercial indirect auto loans | This trait indicates whether a user has a Commercial indirect auto loan. | auto, Internal products |
| Commercial line of credit transaction date | This trait describes when the user completed a transaction for their Commercial line of credit. | line of credit, Internal products |
| Commercial lines of credit | This trait indicates whether a user has a Commercial line of credit. | line of credit, Internal products |
| Commercial loan transaction date | This trait describes when the user completed a transaction for their Commercial loan. | other loans, Internal products |
| Commercial loans | This trait indicates whether a user has a Commercial loan. | other loans, Internal products |
| Commercial money market account transaction date | This trait describes when the user completed a transaction for a Commercial money market account. | money market, Internal products |
| Commercial money market accounts | This trait indicates whether a user has a Commercial money market account. | money market, Internal products |
| Commercial new auto loan transaction date | This trait describes when the user completed a transaction for their Commercial new auto loan. | auto, Internal products |
| Commercial new auto loans | This trait indicates whether the user has a Commercial new auto loan. | auto, Internal products |
| Commercial real estate loan transaction date | This trait describes when the user completed a transaction for their Commercial real estate loan. | real estate, Internal products |
| Commercial real estate loans | This trait indicates whether the user has a Commercial real estate loan. | real estate, Internal products |
| Commercial savings account transaction date | This trait describes when the user completed a transaction for a Commercial savings account. | saving account, Internal products |
| Commercial savings accounts | This trait indicates whether a user has a Commercial savings account. | savings account, Internal products |
| Commercial secured credit card transaction date | This trait describes when the user completed a transaction for their Commercial secured credit card. | credit card, Internal products |
| Commercial secured credit cards | This trait indicates whether the user has a Commercial secured credit card. | credit card, Internal products |
| Commercial secured loan transaction date | This trait describes when the user completed a transaction for their Commercial secured loan. | other loans, Internal products |
| Commercial secured loans | This trait indicates whether the user has a Commercial secured loan. | other loans, Internal products |
| Commercial special checking account transaction date | This trait describes when the user completed a transaction for their Commercial special checking account. | checking account, Internal products |
| Commercial special checking accounts | This trait indicates whether the user has a Commercial special checking account. | checking account, Internal products |
| Commercial special credit card transaction date | This trait describes when the user completed a transaction for their Commercial special credit card. | credit card, Internal products |
| Commercial special credit cards | This trait indicates whether the user has a Commercial special credit card. | credit card, Internal products |
| Commercial special savings account transaction date | This trait describes when the user completed a transaction for their Commercial special savings account. | savings account, Internal products |
| Commercial special savings accounts | This trait indicates whether the user has a Commercial special savings account. | savings account, Internal products |
| Commercial special vehicle loan transaction date | This trait describes when the user completed a transaction for their Commercial special vehicle loan. | special vehicle, Internal products, auto |
| Commercial special vehicle loans | This trait indicates whether the user has a Commercial special vehicle loan. | special vehicle, Internal products, auto |
| Commercial used auto loan transaction date | This trait describes when the user completed a transaction for their Commercial used auto loan. | auto, Internal products |
| Commercial used auto loans | This trait indicates whether the user has a Commercial used auto loan. | auto, Internal products |
| Commercial users | This trait indicates whether a user is classified as commercial based on transaction data and the types of banking features they've historically used. | classification |
| Common transaction frequency | This trait indicates the combined frequency of common transactions in the grocery, auto maintenance, and utilities categories for a user over the last 180 days. User activity is represented by a frequency score (range 0 - 100), which is calculated by comparing an individual user's frequency values to the normalized frequency values of all users. | transactions |
| Consumer users | This trait indicates whether a user is classified as a consumer. | profile, classification |
| Credit card transaction date | This trait describes when the user completed a transaction using their Credit card. | credit card, Internal products |
| Credit cards | This trait indicates whether a user has a Credit card. | credit card, Internal products |
| Current loan balance | This trait describes the current loan balance of a user's loan account for which their next payment is due. The balance is associated to the earliest unpaid due date of any loans a user may have. | other loans |
| Customer enrollment date | This trait describes when the customer enrolled in digital banking. | enroll |
| Debit card transaction date | This trait describes when the user completed a transaction using their Debit card. | debit card, Internal products |
| Debit cards | This trait indicates whether a user has a Debit card. | debit card, Internal products |
| Defined Secure Access Code (SAC) target missing in UUX | This trait indicates whether a user has not defined a Secure Access Code (SAC) target in UUX. | profile |
| Deposit - activity score | This trait indicates if a user's deposit activity in the last three months was unusual. A score of -10 indicates the deposit activity was much smaller than normal. A score of 10 indicates deposit activity much larger than normal. Expected deposit activity has a score of 0. | transactions |
| Deposit - relative percentage | This trait indicates the actual deposit total compared to the expected deposit total for the previous three months. A percentage over 100% indicates the total deposits were more than expected. A percentage smaller than 100% indicates the deposit total was less than expected. | transactions |
| Deposit - unexpected activity | This trait indicates whether a user had unexpected deposit activity based on historical transaction data in the last three months. | transactions, anomalies |
| Deposit - unexpected amount | This trait indicates a user's deposit amount above the expected three month total. A positive amount indicates the user deposited more money than expected. A negative amount indicates the user deposited less money than expected. | transactions, anomalies |
| Desktop login | This trait indicates whether a user logged in to digital banking from a desktop. | login |
| Desktop login date | This trait describes when the user logged in to digital banking from a desktop. | login |
| Domestic wire transaction date | This trait describes when the user completed a transaction for a Domestic wire. This is not based on enablement, but on actual usage of the feature. | transfer |
| Domestic wire transactions | This trait indicates whether a user has performed a Domestic wire transaction. | transfer |
| Education savings account transaction date | This trait describes when the user completed a transaction for their Education savings account. | savings account, Internal products |
| Education savings accounts | This trait indicates whether a user has an Education savings account. | savings account, Internal products |
| Employee-only account transaction date | This trait describes when the user completed a transaction for an Employee-only account. | nontraditional, Internal products |
| Employee-only accounts | This trait indicates whether a user has an Employee-only account. | nontraditional, Internal products |
| Escrow account transaction date | This trait describes when the user completed a transaction for their Escrow account. | escrow, Internal products |
| Escrow accounts | This trait indicates whether a user has an Escrow account. | escrow, Internal products |
| E-statement enrolled | This trait indicates whether a user receives e-statements. The FI must store e-statement enrollment data in the Q2 database for this trait to be accurate. If the FI uses a third-party that does not update the Q2 database, you must use a user list. Users enroll in e-statements per account, meaning they might be enrolled in e-statements for one account and physical statements for another. The trait is true if the user is enrolled in e-statements for at least one account. | profile |
| External funds transfer | This trait indicates whether a user has completed an External funds transfer. This is not based on enablement, but on actual usage of the feature. | transfer |
| External funds transfer date | This trait describes when the user completed an External funds transfer. | transfer |
| External transfer checking account transaction date | This trait describes when the user completed a transaction for an External transfer checking account. | transfer, Internal products |
| External transfer checking accounts | This trait indicates whether a user has an External transfer checking account. | transfer, Internal products |
| External transfer savings account transaction date | This trait describes when the user completed a transaction for an External transfer savings account. | transfer, Internal products |
| External transfer savings accounts | This trait indicates whether a user has an External transfer savings account. | transfer, Internal products |
| First login date | This trait describes when the user first logged into digital banking. Users whose first login date is before their FI joined Q2, or before October 12, 2022, will have the user enrollment date applied instead. | login |
| Grocery transaction frequency | This trait indicates the frequency of grocery-related transactions over the last 180 days. User activity is represented by a frequency score (range 0 - 100), which is calculated by comparing an individual user's frequency value to the normalized frequency values of all users. | transactions |
| has_deleted_date | Is the user deleted? | profile |
| Health savings account transaction date | This trait describes when the user completed a transaction for their Health savings account. | savings account, Internal products |
| Health savings accounts | This trait indicates whether a user has a Health savings account. | savings account, Internal products |
| Holiday club savings account transaction date | This trait describes when the user completed a transaction for their Holiday club savings account. | savings account, Internal products |
| Holiday club savings accounts | This trait indicates whether a user has a Holiday club savings account. | savings account, Internal products |
| Home Address - State | This trait indicates the U.S. state associated with a user's home address. | profile |
| Home equity line of credit (HELOC) transaction date | This trait describes when the user completed a transaction for a Home equity line of credit. | line of credit, Internal products |
| Home equity lines of credit (HELOC) | This trait indicates whether a user has a Home equity line of credit. | line of credit, Internal products |
| Home equity loan transaction date | This trait describes when the user completed a transaction for a Home equity loan. | real estate, Internal products |
| Home equity loans | This trait indicates whether a user has a Home equity loan. | real estate, Internal products |
| Impound account transaction date | This trait describes when the user completed a transaction for an Impound account. | nontraditional, Internal products |
| Impound accounts | This trait indicates whether a user has an Impound account. | nontraditional, Internal products |
| Indirect auto loan transaction date | This trait describes when the user completed a transaction for their Indirect auto loan. | auto, Internal products |
| Indirect auto loans | This trait indicates whether the user has an Indirect auto loan. | auto, Internal products |
| Insurance product transaction date | This trait describes when the user completed a transaction for their Insurance products. | insurance, Internal products |
| Insurance products | This trait indicates whether a user has an Insurance product. | insurance, Internal products |
| Interest-bearing checking account transaction date | This trait describes when the user completed a transaction for an Interest-bearing checking account. | checking account, Internal products |
| Interest-bearing checking accounts | This trait indicates whether a user has an Interest-bearing checking account. | checking account, Internal products |
| Interest-only legal trust account transaction date | This trait describes when the user completed a transaction for an Interest-only legal trust account. | trust, Internal products |
| Interest-only legal trust accounts | This trait indicates whether a user has an Interest-only legal trust accounts. | trust, Internal products |
| Internal funds transfer date | This trait describes when the user completed an Internal funds transfer. | transfer |
| Internal funds transfers | This trait indicates whether a user has completed an Internal funds transfer. This is not based on enablement, but on actual usage of the feature. | transfer |
| International wire date | This trait describes when the user sent an International wire. | transfer |
| International wire transactions | This trait indicates whether a user has sent an International wire. This is not based on enablement, but on actual usage of the feature. | transfer |
| Last login date | This trait describes when the user last logged in to Digital banking | login |
| Lines of credit | This trait indicates whether the user has a Line of credit. | line of credit, Internal products |
| Lines of credit transaction date | This trait describes when the user completed a transaction for their Line of credit. | line of credit, Internal products |
| Loan payment due within week | This trait indicates whether a user has a due date within seven days for a loan account with a balance greater than zero. | loans |
| Loan transaction date | This trait describes when the user completed a transaction for their Loan. | other loans, Internal products |
| Loans | This trait indicates whether the user has a loan. | other loans, Internal products |
| Membership shares | This trait indicates whether a user has a Membership shares. | savings account, Internal products |
| Membership shares transaction date | This trait describes when the user completed a transaction for their Membership share. | savings account, Internal products |
| Microbusiness | This trait indicates whether a user is classified as a microbusiness. | classification |
| Mobile operating system | This trait indicates the last mobile operating system the user accessed their account on. | mobile |
| Mobile phone login date | This trait describes when the user logged in to digital banking or the mobile app from a mobile phone. | login |
| Mobile phone logins | This trait indicates whether a user logged in to online banking from a mobile phone. | login |
| Mobile remote deposit | This trait indicates whether a user has performed a Mobile remote deposit. | mobile |
| Mobile remote deposit date | This trait describes when the user performed a Mobile remote deposit. This is not based on enablement, but on actual use of the feature. | mobile |
| Money market account transaction date | This trait describes when the user completed a transaction for a Money market account. | money market, Internal products |
| Money market accounts | This trait indicates whether a user has a Money market account. | money market, Internal products |
| Monthly login activity | This trait describes the average monthly number of logins for a user based on the user's login activity over the past 6 months. | login |
| New auto loan transaction date | This trait describes when the user completed a transaction for their New auto loan. | auto, Internal products |
| New auto loans | This trait indicates whether the user has a New auto loan. | auto, Internal products |
| Number of 401k plans | This trait describes how many 401k plans the user has. | retirement, Internal products |
| Number of 403b plans | This trait describes how many 403b plans the user has. | retirement, Internal products |
| Number of 529 plans | This trait describes how many 529 plans the user has. | retirement, Internal products |
| Number of accounts | This trait describes how many accounts the user has. | profile |
| Number of Accounts ignored by Q2 SMART™ | This trait describes how many accounts ignored by Q2 SMART™ the user has. | SMART, Internal products |
| Number of Basic checking accounts | This trait describes how many Basic checking accounts the user has. | checking account, Internal products |
| Number of Brokerage accounts | This trait describes how many Brokerage accounts the user has. | brokerage, Internal products |
| Number of CDs | This trait describes how many CDs the user has. | CD, Internal products |
| Number of Charge-offs | This trait describes how many Charge-offs the user has received. | nontraditional, Internal products |
| Number of Commercial CDs | This trait describes how many Commercial CDs the user has. | CD, Internal products |
| Number of Commercial checking accounts | This trait describes how many Commercial checking accounts the user has. | checking account, Internal products |
| Number of Commercial credit cards | This trait describes how many Commercial credit cards the user has. | credit card, Internal products |
| Number of Commercial indirect auto loans | This trait describes how many Commercial indirect auto loans the user has. | auto, Internal products |
| Number of Commercial lines of credit | This trait describes how many Commercial lines of credit the user has. | lines of credit, Internal products |
| Number of Commercial loans | This trait describes how many Commercial loans the user has. | other loans, Internal products |
| Number of Commercial money market accounts | This trait describes how many Commercial money market accounts the user has. | money market, Internal products |
| Number of Commercial new auto loans | This trait describes how many Commercial new auto loans the user has. | auto, Internal products |
| Number of Commercial real estate loans | This trait describes how many Commercial real estate loans the user has. | real estate, Internal products |
| Number of Commercial savings accounts | This trait describes how many Commercial savings accounts the user has. | savings account, Internal products |
| Number of Commercial secured credit cards | This trait describes how many Commercial secured credit cards the user has. | credit card, Internal products |
| Number of Commercial secured loans | This trait describes how many Commercial secured loans the user has. | other loans, Internal products |
| Number of Commercial special checking accounts | This trait describes how many Commercial special checking accounts the user has. | checking account, Internal products |
| Number of Commercial special credit cards | This trait describes how many Commercial special credit cards the user has. | checking account, Internal products |
| Number of Commercial special savings accounts | This trait describes how many Commercial special savings accounts the user has. | savings account, Internal products |
| Number of Commercial special vehicle loans | This trait describes how many Commercial special vehicle loans the user has. | special vehicle, Internal products, auto |
| Number of Commercial used auto loans | This trait describes how many Commercial used auto loans the user has. | auto, Internal products |
| Number of Credit cards | This trait describes how many Credit cards the user has. | credit card, Internal products |
| Number of Debit cards | This trait describes how many Debit cards the user has. | debit card, Internal products |
| Number of Education savings accounts | This trait describes how many Education savings accounts the user has. | savings account, Internal products |
| Number of Employee-only accounts | This trait describes how many Employee-only accounts the user has. | nontraditional, Internal products |
| Number of Escrow accounts | This trait describes how many Escrow accounts the user has. | escrow, Internal products |
| Number of External transfer checking accounts | This trait describes how many External transfer checking accounts the user has. | transfer, Internal products |
| Number of External transfer savings accounts | This trait describes how many External transfer savings accounts the user has. | transfer, Internal products |
| Number of Favorite accounts | Describes how many Favorite accounts a user has. Only includes accounts the user can individually favorite. This trait is only applicable to Composable Dashboard participants. | Composable Dashboard |
| Number of Health savings accounts | This trait describes how many Health savings accounts the user has. | savings account, Internal products |
| Number of Holiday club savings accounts | This trait describes how many Holiday club savings accounts the user has. | savings account, Internal products |
| Number of Home equity lines of credit | This trait describes how many Home equity line of credit the user has. | line of credit, Internal products |
| Number of Home equity loans | This trait describes how many Home equity loans the user has. | real estate, Internal products |
| Number of Impound accounts | This trait describes how many Impound accounts the user has. | nontraditional, Internal products |
| Number of Indirect auto loans | This trait describes how many Indirect auto loans the user has. | auto, Internal products |
| Number of Insurance products | This trait describes how many Insurance products the user has. | insurance, Internal products |
| Number of Interest-bearing checking accounts | This trait describes how many Interest-bearing checking accounts the user has. | checking account, Internal products |
| Number of Interest-only legal trust accounts | This trait describes how many Interest-only legal trust accounts the user has. | trust, Internal products |
| Number of Lines of credit | This trait describes how many Lines of credit the user has. | line of credit, Internal products |
| Number of Loans | This trait describes how many Loans the user has. | other loans, Internal products |
| Number of Membership shares | This trait describes how many Membership shares a user has. | savings account, Internal products |
| Number of Money market accounts | This trait describes how many Money market accounts the user has. | money market, Internal products |
| Number of New auto loans | This trait describes how many New auto loans the user has. | auto, Internal products |
| Number of Other services | This trait describes how many Other service products the user has. | service, Internal products |
| Number of Premium checking accounts | This trait describes how many Premium checking accounts the user has. | checking account, Internal products |
| Number of Premium savings accounts | This trait describes how many Premium savings accounts the user has. | savings account, Internal products |
| Number of Real estate loans | This trait describes how many Real estate loans the user has. | real estate, Internal products |
| Number of Restricted checking accounts | This trait describes how many Restricted checking accounts the user has. | checking account, Internal products |
| Number of Restricted savings accounts | This trait describes how many Restricted savings accounts the user has. | savings account, Internal products |
| Number of Roth IRA CDs | This trait describes how many Roth IRA CDs the user has. | retirement, Internal products |
| Number of Roth IRAs | This trait describes how many Roth IRAs the user has. | retirement, Internal products |
| Number of Safe deposit boxes | This trait describes how many Safe deposit boxes the user has. | nontraditional, Internal products |
| Number of Savings accounts | This trait describes how many Savings accounts the user has. | savings account, Internal products |
| Number of Secured credit cards | This trait describes how many Secured credit cards the user has. | credit card, Internal products |
| Number of Secured loans | This trait describes how many Secured loans the user has. | other loans, Internal products |
| Number of Small business checking accounts | This trait describes how many Small business checking accounts the user has. | checking account, Internal products |
| Number of Special credit cards | This trait describes how many Special credit cards the user has. | credit card, Internal products |
| Number of Special indirect vehicle loans | This trait describes how many Special indirect vehicle loans the user has. | special vehicle, Internal products, auto |
| Number of Special savings accounts | This trait describes how many Special savings accounts the user has. | savings account, Internal products |
| Number of Special vehicle loans | This trait describes how many Special vehicle loans the user has. | special vehicle, Internal products, auto |
| Number of Student loans | This trait describes how many student loans the user has. | other loans, Internal products |
| Number of Sweep accounts | This trait describes how many Sweep accounts the user has. | nontraditional, Internal products |
| Number of Traditional IRAs | This trait describes how many Traditional IRAs the user has. | retirement, Internal products |
| Number of Traditional IRAs CD | This trait describes how many Traditional IRA CDs the user has. | retirement, Internal products |
| Number of Trusts | This trait describes how many Trusts the user has. | trust, Internal products |
| Number of Used auto loans | This trait describes how many Used auto loans the user has. | auto, Internal products |
| Other services | This trait indicates whether a user has Other services. | service, Internal products |
| Other services transaction date | This trait describes when the user completed a transaction for Other services. | service, Internal products |
| Outgoing transaction usage | This trait indicates transaction activity for a user based on their transaction patterns in the last 180 days, specifically transactions initiated through online banking activity, such as ACH, wires, and external funds transfers. User activity is represented by an RFM score (range 0 - 100), which is calculated using the average of the normalized rank of recency, frequency, and monetary values. | transactions |
| Preferred language | This trait indicates a user's preferred language in UUX. The expected outcomes for this trait are English, Spanish, Portuguese, Chinese (Traditional), Chinese (Simplified - Cantonese), and Chinese (Simplified - Mandarin). | |
| Premium checking account transaction date | This trait describes when the user completed a transaction for their Premium checking account. | checking account, Internal products |
| Premium checking accounts | This trait indicates whether the user has a Premium checking account. | checking account, Internal products |
| Premium savings account transaction date | This trait describes when the user completed a transaction for their Premium savings account. | savings account, Internal products |
| Premium savings accounts | This trait indicates whether the user has a Premium savings account. | savings account, Internal products |
| Processed ACH payroll | This trait indicates whether a user has processed an ACH payroll. | transfer |
| Q2 Goals - eligible to enroll | Users who are eligible to set up an account in Q2 Goals. | Q2 Goals, enroll |
| Q2 Goals enrolled | Users who've set up an account in Q2 Goals. | Q2 Goals |
| Q2central Group | This trait identifies the Group a user belongs to in Q2central. A Group does not show up as a trait option until at least one user is assigned to it. It can take approximately 24 hours for the user to appear after being added to the Group within Q2central. | profile |
| Real estate loan transaction date | This trait describes when the user completed a transaction for their Real estate loan. | real estate, Internal products |
| Real estate loans | This trait indicates whether the user has a Real estate loan. | real estate, Internal products |
| Receives payroll | This trait describes whether a user is likely to receive Payroll deposits at recurring intervals based on historical transactions. Also known as the Direct Deposit trait. | income |
| Recommended for a 401k plan | This trait indicates users who might want a 401k plan. | Recommended products, retirement |
| Recommended for a 403b plan | This trait indicates users who might want a 403b plan. | Recommended products |
| Recommended for a 529 plan | This trait indicates users who might want a 529 plan. | Recommended products, retirement |
| Recommended for a Basic checking account | This trait indicates users who might want a Basic checking account. | Recommended products |
| Recommended for a Brokerage account | This trait indicates users who might want a Brokerage account. | Recommended products, brokerage |
| Recommended for a CD | This trait indicates users who might want a CD. | Recommended products, CD |
| Recommended for a Commercial CD | This trait indicates users who might want a Commercial CD. | Recommended products |
| Recommended for a Commercial checking account | This trait indicates users who might want a Commercial checking account. | Recommended products, checking accounts |
| Recommended for a Commercial credit card | This trait indicates users who might want a Commercial credit card. | Recommended products |
| Recommended for a Commercial indirect auto loan | This trait indicates users who might want a Commercial indirect auto loan. | Recommended products, auto |
| Recommended for a Commercial line of credit | This trait indicates users who might want a Commercial line of credit. | Recommended products |
| Recommended for a Commercial loan | This trait indicates users who might want a Commercial loan. | Recommended products |
| Recommended for a Commercial money market | This trait indicates users who might want a Commercial money market account. | Recommended products |
| Recommended for a Commercial real estate loan | This trait indicates users who might want a Commercial real estate loan. | Recommended products |
| Recommended for a Commercial savings account | This trait indicates users who might want a Commercial savings account. | Recommended products |
| Recommended for a Commercial secured credit card | This trait indicates users who might want a Commercial secured credit card. | Recommended products, credit card |
| Recommended for a Commercial secured loan | This trait indicates users who might want a Commercial secured loan. | Recommended products |
| Recommended for a Commercial special checking account | This trait indicates users who might want a Commercial special checking account. | Recommended products, checking account |
| Recommended for a Commercial special credit card | This trait indicates users who might want a Commercial special credit card. | Recommended products, savings account |
| Recommended for a Commercial special savings account | This trait indicates users who might want a Commercial special savings account. | Recommended products |
| Recommended for a Commercial special vehicle loan | This trait indicates users who might want a Commercial special vehicle loan. | Recommended products, special vehicle |
| Recommended for a Commercial used auto loan | This trait indicates users who might want a Commercial used auto loan. | Recommended products, auto |
| Recommended for a Consumer loan | This trait indicates users who might want a Loan. | Recommended products, other loans |
| Recommended for a Credit card | This trait indicates users who might want a Credit card. | Recommended products, credit card |
| Recommended for a Debit card | This trait indicates users who might want a Debit card. | Recommended products |
| Recommended for a Health savings account | This trait indicates users who might want a Health savings account. | Recommended products |
| Recommended for a Home equity line of credit | This trait indicates users who might want a Home equity line of credit. | Recommended products |
| Recommended for a Home equity loan | This trait indicates users who might want a Home equity loan. | Recommended products, real estate |
| Recommended for a Indirect auto loan | This trait indicates users who might want an Indirect auto loan. | Recommended products, auto |
| Recommended for a Line of credit | This trait indicates users who might want a Line of credit. | Recommended products |
| Recommended for a Membership share | This trait indicates users who might want a Membership share. | Recommended products, savings account |
| Recommended for a Money market | This trait indicates users who might want a Money market account. | Recommended products |
| Recommended for a New auto loan | This trait indicates users who might want a New auto loan. | Recommended products, auto |
| Recommended for a Premium checking account | This trait indicates users who might want a Premium checking account. | Recommended products |
| Recommended for a Premium savings account | This trait indicates users who might want a Premium savings account. | Recommended products |
| Recommended for a Real estate loan | This trait indicates users who might want a Real estate loan. | Recommended products, real estate |
| Recommended for a Restricted checking account | This trait indicates users who might want a Restricted checking account. | Recommended products, checking account |
| Recommended for a Restricted savings account | This trait indicates users who might want a Restricted savings account | Recommended products |
| Recommended for a Roth IRA | This trait indicates users who might want a Roth IRA. | Recommended products |
| Recommended for a Roth IRA CD | This trait indicates users who might want a Roth IRA CD. | Recommended products |
| Recommended for a Savings account | This trait indicates users who might want a Savings account. | Recommended products |
| Recommended for a Secured credit card | This trait indicates users who might want a Secured credit card. | Recommended products, credit card |
| Recommended for a Secured loan | This trait indicates users who might want a Secured loan. | Recommended products, other loans |
| Recommended for a Small business checking account | This trait indicates users who might want a Small business checking account. | Recommended products |
| Recommended for a Special checking account | This trait indicates users who might want a Special checking account. | Recommended products |
| Recommended for a Special credit card | This trait indicates users who might want a Special credit card. | Recommended products, credit card |
| Recommended for a Special indirect vehicle loan | This trait indicates users who might want a Special indirect vehicle loan. | Recommended products, special vehicle |
| Recommended for a Special savings account | This trait indicates users who might want a Special savings account. | Recommended products |
| Recommended for a Special vehicle loan | This trait indicates users who might want a Special vehicle loan. | Recommended products, special vehicle |
| Recommended for a Student loan | This trait indicates users who might want a Student loan. | Recommended products, other loans |
| Recommended for a Traditional IRA | This trait indicates users who might want a Traditional IRA. | Recommended products, retirement |
| Recommended for a Trust | This trait indicates users who might want a Trust. | Recommended products |
| Recommended for a Used auto loan | This trait indicates users who might want a Used auto loan. | Recommended products, auto |
| Recommended for a Vacation / club / holiday savings | This trait indicates users who might want a Vacation / club / holiday savings account. | Recommended products |
| Recommended for an Education savings account | This trait indicates users who might want an Education savings account. | Recommended products, checking account |
| Recommended for an Escrow account | This trait indicates users who might want an Escrow account. | Recommended products |
| Recommended for an Insurance product | This trait indicates users who might want an Insurance product. | Recommended products, insurance |
| Recommended for an Interest-bearing checking account | This trait indicates users who might want an Interest-bearing checking account. | Recommended products |
| Recommended for an Interest-only legal trust | This trait indicates users who might want an Interest-only legal trust. | Recommended products, trust |
| Recommended for Other services | This trait indicates users who might want Other services. | Recommended products |
| Restricted checking account transaction date | This trait describes when the user completed a transaction for a Restricted checking account. | checking account, Internal products |
| Restricted checking accounts | This trait indicates whether a user has a Restricted checking account. | checking account, Internal products |
| Restricted savings account transaction date | This trait describes when the user completed a transaction for their Restricted savings account. | savings account, Internal products |
| Restricted savings accounts | This trait indicates whether the user has a Restricted savings account. | savings account, Internal products |
| Roth IRA CD transaction date | This trait describes when the user completed a transaction for their Roth IRA CD. | retirement, Internal products |
| Roth IRA CDs | This trait indicates whether a user has a Roth IRA CD. | retirement, Internal products |
| Roth IRA transaction date | This trait describes when the user completed a transaction for their Roth IRA. | retirement, Internal products |
| Roth IRAs | This trait indicates whether a user has a Roth IRA. | retirement, Internal products |
| Safe deposit box transaction date | This trait describes when the user completed a transaction for a Safe deposit box. | nontraditional, Internal products |
| Safe deposit boxes | This trait indicates whether a user has a Safe deposit box. | nontraditional, Internal products |
| Savings account transaction date | This trait describes when the user completed a transaction for their Savings account. | savings account, Internal products |
| Savings accounts | This trait indicates whether the user has a Savings account. | savings account, Internal products |
| Secured credit card transaction date | This trait describes when the user completed a transaction for their Secured credit card. | credit card, Internal products |
| Secured credit cards | This trait indicates whether the user has a Secured credit card. | credit card, Internal products |
| Secured loan transaction date | This trait describes when the user completed a transaction for their Secured loan. | other loans, Internal products |
| Secured loans | This trait indicates whether the user has a Secured loan. | other loans, Internal products |
| Share of Wallet | Indicates share of wallet for a CPFM user's transaction activity in the last 180 days. Calculation is based on number of held accounts divided by total accounts (linked and held), with higher weight given to checking and savings in both divisor and dividend. All users are categorized based on equal width thresholds of share of wallet values (Low: 0 - 33%, Medium: 33 - 66%, High: 66 - 100%). | |
| Small business checking account transaction date | This trait describes when the user completed a transaction for their Small business checking account. | checking account, Internal products |
| Small business checking accounts | This trait indicates whether a user has a Small business checking account. | checking account, Internal products |
| Small business users | This trait indicates whether a user is classified as a small business. | classification, profile |
| Special checking account transaction date | This trait describes when the user completed a transaction for their Special checking account. | checking account, Internal products |
| Special checking accounts | This trait indicates whether the user has a Special checking account. | checking account, Internal products |
| Special credit card transaction date | This trait describes when the user completed a transaction for their Special credit card. | credit card, Internal products |
| Special credit cards | This trait indicates whether the user has a Special credit card. | credit card, Internal products |
| Special indirect vehicle loans | This trait indicates whether a user has a Special indirect vehicle loan. | special vehicle, Internal products, auto |
| Special indirect vehicle transaction date | This trait describes when the user completed a transaction for their Special indirect vehicle loan. | special vehicle, Internal products, auto |
| Special savings account transaction date | This trait describes when the user completed a transaction for their Special savings account. | savings account, Internal products |
| Special savings accounts | This trait indicates whether the user has a Special savings account. | savings account, Internal products |
| Special vehicle loan transaction date | This trait describes when the user completed a transaction for their Special vehicle loan. | special vehicle, Internal products, auto |
| Special vehicle loans | This trait indicates whether the user has a Special vehicle loan. | special vehicle, Internal products, auto |
| Spike in spending - auto repair expenses | This trait indicates a recent spike in auto repair expenses (part stores, repair shops, towing, etc.) over the last 3 months when compared to prior quarters over the past year. A True value occurs if there’s a spike in spending. A False value occurs if there is normal spending. An Unknown value occurs if a spike cannot be determined due to an insufficient amount of available spending history. | anomalies, auto, transactions |
| Stop-payment | This trait indicates whether a user has stopped a payment. This is based on actual usage of the feature, not whether the feature is enabled. | transfer |
| Stop-payment date | This trait describes when the user stopped a payment. | transfer |
| Student loan transaction date | This trait describes when the user completed a transaction for their Student loan. | other loans, Internal products |
| Student loans | This trait indicates whether a user has a Student loan. | other loans, Internal products |
| Sweep account transaction date | This trait describes when the user completed a transaction for a Sweep account. | nontraditional, Internal products |
| Sweep accounts | This trait indicates whether a user has a Sweep account. | nontraditional, Internal products |
| Tablet login | This trait indicates whether a user logged in to digital banking from a tablet. | login |
| Tablet login date | This trait describes when the user logged in to online banking or the mobile app from a tablet. | login |
| Total balance of External 401k plans | This trait describes the total balance of the user's 401k plans. | retirement |
| Traditional IRA CD transaction date | This trait describes when the user completed a transaction for their Traditional IRA CD. | retirement, Internal products |
| Traditional IRA CDs | This trait indicates whether a user has a Traditional IRA CD. | retirement, Internal products |
| Traditional IRA transaction date | This trait describes when the user completed a transaction for their Traditional IRA. | retirement, Internal products |
| Traditional IRAs | This trait indicates whether a user has a Traditional IRA. | retirement, Internal products |
| Trust transaction date | This trait describes when the user completed a transaction for their Trust. | trust, Internal products |
| Trusts | This trait indicates whether a user has a Trust. | trust, Internal products |
| Used auto loan transaction date | This trait describes when the user completed a transaction for their Used auto loan. | auto, Internal products |
| Used auto loans | This trait indicates whether the user has a Used auto loan. | auto, Internal products |
| User enrollment date | This trait describes when the user enrolled in Digital banking. | enroll |
| User's age | This trait describes the user's age in years. The FI must store users' birth date in the Q2 database for this to be accurate. If the FI uses a third-party that does not update the Q2 database, you must use User lists. | profile |
| Users enrolled in Biller Direct | This trait indicates whether a user is enrolled in Biller Direct. | Biller Direct, enroll |
| Utilities transaction frequency | This trait indicates the frequency of utility-related transactions over the last 180 days. User activity is represented by a frequency score (range 0 - 100), which is calculated by comparing an individual user's frequency value to the normalized frequency values of all users. | transactions |
| Your existing users | This trait indicates whether a user exists in the FI's system. | profile |
| ZIP Code | This trait identifies the user's ZIP Code. | profile |
| Zone | This trait identifies users in a specific Zone. Zones are how Q2 separates customers that have multiple FIs under a single UUX instance. If your FI does not use Zones, you will not have data associated with this trait. | profile |
Q2 Goals traits
The following traits align to the categories within Q2 Goals and are located under the Insights tab.
| Trait | Description | Tags |
|---|---|---|
| Q2 Goals - Automobile Category | This trait indicates whether a Q2 Goals account is associated with an automobile category. | Q2 Goals, savings account, auto |
| Q2 Goals - Bills and Payments Category | This trait indicates whether a Q2 Goals account is associated with a bills and payments category. | Q2 Goals, savings account |
| Q2 Goals - Business Category | This trait indicates whether a Q2 Goals account is associated with a business category. | Q2 Goals, savings account |
| Q2 Goals - Charity Category | This trait indicates whether a Q2 Goals account is associated with a charity category. | Q2 Goals, savings account |
| Q2 Goals - Children Category | This trait indicates whether a Q2 Goals account is associated with a children category. | Q2 Goals, savings account |
| Q2 Goals - Debt Category | This trait indicates whether a Q2 Goals account is associated with a debt category. | Q2 Goals, savings account |
| Q2 Goals - Education Category | This trait indicates whether a Q2 Goals account is associated with an education category. | Q2 Goals, savings account |
| Q2 Goals - Emergency Category | This trait indicates whether a Q2 Goals account is associated with an emergency category. | Q2 Goals, savings account |
| Q2 Goals - Entertainment Category | This trait indicates whether a Q2 Goals account is associated with an entertainment category. | Q2 Goals, savings account |
| Q2 Goals - Family Category | This trait indicates whether a Q2 Goals account is associated with a family category. | Q2 Goals, savings account |
| Q2 Goals - General Savings Category | This trait indicates whether a Q2 Goals account is associated with a general savings category. | Q2 Goals, savings account |
| Q2 Goals - Gift Category | This trait indicates whether a Q2 Goals account is associated with a gift category. | Q2 Goals, savings account |
| Q2 Goals - Health Category | This trait indicates whether a Q2 Goals account is associated with a health category. | Q2 Goals, savings account |
| Q2 Goals - Home Improvement Category | This trait indicates whether a Q2 Goals account is associated with a home improvement category. | Q2 Goals, savings account |
| Q2 Goals - Home Purchase Category | This trait indicates whether a Q2 Goals account is associated with a home purchase category. | Q2 Goals, savings account |
| Q2 Goals - Investment Category | This trait indicates whether a Q2 Goals account is associated with an investment category. | Q2 Goals, savings account |
| Q2 Goals - Major Purchase Category | This trait indicates whether a Q2 Goals account is associated with a major purchase category. | Q2 Goals, savings account |
| Q2 Goals - Other Category | This trait indicates whether a Q2 Goals account is associated with an other category. | Q2 Goals, savings account |
| Q2 Goals - Retirement Category | This trait indicates whether a Q2 Goals account is associated with a retirement category. | Q2 Goals, savings account |
| Q2 Goals - Shopping Category | This trait indicates whether a Q2 Goals account is associated with a shopping category. | Q2 Goals, savings account |
| Q2 Goals - Sports and Hobbies Category | This trait indicates whether a Q2 Goals account is associated with a sports and hobbies category. | Q2 Goals, savings account |
| Q2 Goals - Taxes Category | This trait indicates whether a Q2 Goals account is associated with a taxes category. | Q2 Goals, savings account |
| Q2 Goals - Unfunded Account | This trait indicates whether a user has a new Q2 Goals account that is not funded. | Q2 Goals |
| Q2 Goals - Vacation Category | This trait indicates whether a Q2 Goals account is associated with a vacation category. | Q2 Goals, savings account |
| Q2 Goals - Wedding Category | This trait indicates whether a Q2 Goals account is associated with a wedding category. | Q2 Goals, savings account |
| Q2 Goals Percentage - Automobile Category | This trait describes the total percentage complete for a Q2 Goals account associated with an automobile category. | Q2 Goals, auto |
| Q2 Goals Percentage - Bills and Payments Category | This trait describes the total percentage complete for a Q2 Goals account associated with a bills and payments category. | Q2 Goals |
| Q2 Goals Percentage - Business Category | This trait describes the total percentage complete for a Q2 Goals account associated with a business category. | Q2 Goals |
| Q2 Goals Percentage - Charity Category | This trait describes the total percentage complete for a Q2 Goals account associated with a charity category. | Q2 Goals |
| Q2 Goals Percentage - Children Category | This trait describes the total percentage complete for a Q2 Goals account associated with a children category. | Q2 Goals |
| Q2 Goals Percentage - Debt Category | This trait describes the total percentage complete for a Q2 Goals account associated with a debt category. | Q2 Goals |
| Q2 Goals Percentage - Education Category | This trait describes the total percentage complete for a Q2 Goals account associated with an education category. | Q2 Goals |
| Q2 Goals Percentage - Emergency Category | This trait describes the total percentage complete for a Q2 Goals account associated with an emergency category. | Q2 Goals |
| Q2 Goals Percentage - Entertainment Category | This trait describes the total percentage complete for a Q2 Goals account associated with an entertainment category. | Q2 Goals |
| Q2 Goals Percentage - Family Category | This trait describes the total percentage complete for a Q2 Goals account associated with a family category. | Q2 Goals |
| Q2 Goals Percentage - General Savings Category | This trait describes the total percentage complete for a Q2 Goals account associated with a general savings category. | Q2 Goals |
| Q2 Goals Percentage - Gift Category | This trait describes the total percentage complete for a Q2 Goals account associated with a gift category. | Q2 Goals |
| Q2 Goals Percentage - Health Category | This trait describes the total percentage complete for a Q2 Goals account associated with a health category. | Q2 Goals |
| Q2 Goals Percentage - Home Improvement Category | This trait describes the total percentage complete for a Q2 Goals account associated with a home improvement category. | Q2 Goals |
| Q2 Goals Percentage - Home Purchase Category | This trait describes the total percentage complete for a Q2 Goals account associated with a home purchase category. | Q2 Goals |
| Q2 Goals Percentage - Investment Category | This trait describes the total percentage complete for a Q2 Goals account associated with an investment category. | Q2 Goals |
| Q2 Goals Percentage - Major Purchase Category | This trait describes the total percentage complete for a Q2 Goals account associated with a major purchase category. | Q2 Goals |
| Q2 Goals Percentage - Other Category | This trait describes the total percentage complete for a Q2 Goals account associated with an other category. | Q2 Goals |
| Q2 Goals Percentage - Retirement Category | This trait describes the total percentage complete for a Q2 Goals account associated with a retirement category. | Q2 Goals |
| Q2 Goals Percentage - Shopping Category | This trait describes the total percentage complete for a Q2 Goals account associated with a shopping category. | Q2 Goals |
| Q2 Goals Percentage - Sports and Hobbies Category | This trait describes the total percentage complete for a Q2 Goals account associated with a sports and hobbies category. | Q2 Goals |
| Q2 Goals Percentage - Taxes Category | This trait describes the total percentage complete for a Q2 Goals account associated with a taxes category. | Q2 Goals |
| Q2 Goals Percentage - Vacation Category | This trait describes the total percentage complete for a Q2 Goals account associated with a vacation category. | Q2 Goals |
| Q2 Goals Percentage - Wedding Category | This trait describes the total percentage complete for a Q2 Goals account associated with a wedding category. | Q2 Goals |
Alerts and notifications traits
The following traits relate to the Alerts and Notifications users can set up for their digital banking accounts and are located under the Insights tab.
| Trait | Description | Tags |
|---|---|---|
| Alerts enrolled | This trait indicates whether a user has enrolled in Alerts. | enroll, alerts |
| Amount-driven Account alerts enrolled | This trait describes whether a user is enrolled in amount-driven balance Account alerts for digital banking. | enroll, alerts |
| Date-driven Account alerts enrolled | This trait describes whether a user is enrolled in date-driven balance Account alerts for digital banking. | enroll, alerts |
| Email notifications enrolled | This trait describes whether a user is enrolled in Email notifications for digital banking. | enroll, alerts |
| History alerts enrolled | This trait describes whether a user is enrolled in History alerts for digital banking. | enroll, alerts |
| Insufficient Funds alerts enrolled | This trait describes whether a user is enrolled in Insufficient Funds alerts for digital banking. | enroll, alerts |
| Non-Online Transaction alerts enrolled | This trait describes whether a user is enrolled in Non-Online Transaction alerts for digital banking. | enroll, alerts |
| Online Transaction alerts enrolled | This trait describes whether a user is enrolled in Online Transaction alerts for digital banking. | enroll, alerts |
| Push notifications enrolled | This trait describes whether a user is enrolled in Push notifications for digital banking. | enroll, alerts |
| Recipient notification online transaction alerts enrolled | This trait describes whether a user is enrolled in recipient notification Online Transaction alerts for digital banking. | enroll, alerts |
| Reminder alerts enrolled | This trait describes whether a user is enrolled in Reminder alerts for digital banking. | enroll, alerts |
| SMS notifications enrolled | This trait describes whether a user is enrolled in SMS notifications for digital banking. | enroll, alerts |
| Voice notifications enrolled | This trait describes whether a user is enrolled in Voice notifications for digital banking. | enroll, alerts |
Q2 Survey traits
The following questions are part of the Q2 Surveys, the results of which will show as a trait under the Insights tab.
| Survey | Name | Question | Tags |
|---|---|---|---|
| Credit | Credit score products | Would you like more information about products and services to help you raise your credit score? | Survey |
| Credit | Credit score satisfaction | Do you feel good about your credit score? | Survey |
| Credit | Increasing credit score | Are you actively taking steps to increase your credit score? | Survey |
| Debt and budgeting | Comfort with current debt | Are you comfortable with your level of debt? | Survey |
| Debt and budgeting | Debt and budgeting tools | Would you like more information about products and services to help with debt and budgeting? | Survey |
| Debt and budgeting | Debt and budgeting tools | Do you feel confident in your ability to budget? | Survey |
| Home buying | Homebuying | Are you considering buying a home in the next 6 months? | Survey |
| Home buying | Homeownership | Do you own your home? | Survey |
| Home buying | Saving for home down payment | Are you currently saving for a down payment on a home? | Survey |
| Loans | External loan possession | Do you have loans from other banks or credit unions? | Survey |
| Loans | Vehicle loan payoff | Do you have 6 or more months left on your auto loan? | Survey, auto |
| Loans | Personal loan interest | Are you considering applying for a personal loan in the next 6 months? | Survey |
| Real estate | Interest in investment property | Are you interested in buying investment real estate in the next 6 months? | Survey |
| Real estate | Investment property ownership | Do you own investment real estate? | Survey |
| Real estate | Property refinancing | Are you considering refinancing ANY real estate? | Survey |
| Vehicle buying | Buying a vehicle | Are you considering buying a vehicle in the next 6 months? | Survey, auto |
CPFM traits
The following traits relate to CPFM data. CPFM data is used to identify what types of accounts customers may have at other financial institutions (FI).
| Trait | Description | Tags |
|---|---|---|
| CPFM - eligible to enroll | This trait indicates whether a user is eligible to enroll in CPFM. | CPFM, enroll |
| CPFM enrolled | Users who've accepted the CPFM disclaimer and have enrolled in CPFM. | CPFM, enroll |
| External 401k plans | This trait indicates whether a user has an External 401k plan. | CPFM |
| External 401k plans | This trait indicates whether a user has an External 401k plan. | CPFM |
| External 403b plans | This trait indicates whether a user has an External 403b plan. | CPFM |
| External 529 plans | This trait indicates whether a user has an External 529 plan. | CPFM |
| External auto loans | This trait indicates whether a user has an External auto loan. | CPFM, auto |
| External brokerage accounts | This trait indicates whether a user has an External brokerage account. | CPFM |
| External CDs | This trait indicates whether a user has an External CD. | CPFM |
| External checking accounts | This trait indicates whether a user has an External checking account. | CPFM |
| External consumer loans | This trait indicates whether a user has an External consumer loan. | CPFM |
| External Credit Card Rates | This trait targets users with credit card interest rates between a specific range. | interest rates, CPFM |
| External credit cards | This trait indicates whether a user has an External credit card. | CPFM |
| External Deposit Rates | This trait targets users with checking and savings accounts with interest rates in a specific range. | interest rates, CPFM |
| External home equity loans | This trait indicates whether a user has an External home equity loans. | CPFM |
| External investment accounts | This trait indicates whether a user has an External investment account. | CPFM |
| External lines of credit | This trait indicates whether a user has an External line of credit. | CPFM, line of credit |
| External Loan Rates | This trait targets users with mortgages, loans, and lines of credit with interest rates in a specific range. | interest rates, CPFM |
| External loans | This trait indicates whether a user has an External loan. | CPFM, other loans |
| External money market accounts | This trait indicates whether a user has an External money market account. | CPFM |
| External mortgage loans | This trait indicates whether a user has an External mortgage loan. | CPFM |
| External Roth IRAs | This trait indicates whether a user has an External Roth IRA. | CPFM |
| External savings accounts | This trait indicates whether a user has an External savings account. | CPFM |
| External SIMPLE IRAs | This trait indicates whether a user has an External SIMPLE IRA. | CPFM, retirement |
| External student loans | This trait indicates whether a user has an External student loan. | CPFM,other loans |
| External traditional IRAs | This trait indicates whether a user has an External traditional IRA. | CPFM |
| External unknown accounts | This trait indicates whether a user has an External unknown account. | CPFM |
| Total balance of External 403b plans | This trait describes the total balance of the user's External 403b plans. | CPFM, retirement |
| Total balance of External 529 plans | This trait describes the total balance of the user's External 529 plans. | CPFM, retirement |
| Total balance of External auto loans | This trait describes the total balance of the user's External auto loans. | CPFM, auto |
| Total balance of External brokerage accounts | This trait describes the total balance of the user's External brokerage accounts. | CPFM, brokerage |
| Total balance of External CDs | This trait describes the total balance of the user's External CDs. | CPFM, CD |
| Total balance of External checking accounts | This trait describes the total balance of the user's External checking accounts. | CPFM, checking account |
| Total balance of External consumer loans | This trait describes the total balance of the user's External consumer loans. | CPFM |
| Total balance of External credit cards | This trait describes the total balance of the user's External credit cards. | CPFM, credit card |
| Total balance of External home equity loans | This trait describes the total balance of the user's External home equity loans. | CPFM, real estate |
| Total balance of External investment accounts | This trait describes the total balance of the user's External investment accounts | CPFM |
| Total balance of External lines of credit | This trait describes the total balance of the user's External lines of credit. | CPFM, line of credit |
| Total balance of External loans | This trait describes the total balance of the user's External loans. | CPFM, other loans |
| Total balance of External money market accounts | This trait describes the total balance of the user's External money market accounts. | CPFM, money market |
| Total balance of External mortgage loans | This trait describes the total balance of the user's External mortgage loans. | CPFM |
| Total balance of External Roth IRAs | This trait describes the total balance of the user's External Roth IRAs. | CPFM, retirement |
| Total balance of External savings accounts | This trait describes the total balance of the user's External savings accounts. | CPFM, savings account |
| Total balance of External SIMPLE IRAs | This trait describes the total balance of the user's External SIMPLE IRAs. | CPFM, retirement |
| Total balance of External student loans | This trait describes the total balance of the user's External student loans. | CPFM, other loans |
| Total balance of External traditional IRAs | This trait describes the total balance of the user's External traditional IRAs. | CPFM, retirement |
| Total balance of External unknown accounts | This trait describes the total balance of a user's External unknown accounts. | CPFM |