Transactions+ (beta)

Access user insights based on transaction data

Transactions+ (beta) provides user-level competitive and spending insights based on a consumer's transaction history across all their linked and permissioned accounts.

With Transactions+, you can gain a holistic understanding of where and how users are spending outside of your ecosystem, powering use cases such as personalization, recommendations, and product targeting and segmentation. These insights are based on data permissioned via Transactions.

Data returned includes a user's detected financial institutions and accounts, top merchants, spend by category, and share of wallet across all linked accounts.

Additional Transactions+ functionality includes:

  • On-demand insights about an individual user's financial behavior based on specified parameters
  • The ability to identify segments of users who meet specified criteria, in order to inform audience targeting
  • Webhook alerts to notify you about relevant events or changes

Transactions+ is currently in closed beta. To become notified when you are eligible to join, apply for the beta waitlist.

1{
2    "client_user_id": "1234567890",
3    "date_range": "90_DAYS",
4    "user_overview_insights": {
5        "total_spend": 11890.45,
6        "transaction_count": 167
7    },
8    "financial_institution_insights": {
9        "detected_accounts_overview": [
10       {
11                "detected_credit_card": "FALSE",
12                "detected_depository_account": "TRUE",
13                "detected_auto_loan": "TRUE",
14                "detected_consumer_loan": "FALSE",
15                "detected_student_loan": "FALSE",
16                "detected_mortgage_loan": "FALSE",
17                "detected_investments": "FALSE",
18            },
19    ],
20        "detected_financial_accounts": [
21            {
22                "name": "Fourth Bank",
23                "account_subtype": "CHECKING",
24                "transaction_count": 37,
25                "total_outflows": 5035.07
26            },
27            {
28                "name": "Toyota Finance",
29                "account_subtype": "AUTO LOAN",
30                "transaction_count": 3,
31                "total_outflows": 2780.00
32            }
33        ]
34    },
35    "category_insights": {
36        "top_categories": {
37            "FOOD_AND_DRINK_COFFEE": {
38                "total_outflows": 650.25,
39                "transaction_count": 40
40            },
41        "GENERAL_MERCHANDISE_SUPERSTORES": {
42                "total_outflows": 550.25,
43                "transaction_count": 20
44            },
45        "INCOME_WAGES": {
46                "total_inflows": 15500.25,
47                "transaction_count": 6
48            }
49
50        }
51    },
52    "wallet_share_insights": {
53        "FOOD_AND_DRINK_COFFEE": {
54            "Starbucks": 0.35,
55            "Peets": 0.20,
56            "Dunkin": 0.25,
57            "Sightglass Coffee": 0.10,
58            "Blue Bottle Coffee": 0.10
59        }
60    },
61    "merchant_insights": {
62        "top_merchants":   {
63            "Starbucks":      {
64                "total_outflows": 340.20,
65                "transaction_count": 40,
66                "detailed_personal_finance_category": "FOOD_AND_DRINK_COFFEE"
67            },
68            "Walmart": {
69                "total_outflows": 250.15,
70                "transaction_count": 30,
71                "detailed_personal_finance_category": "GENERAL_MERCHANDISE_SUPERSTORES"
72            },
73            "Amazon": {
74                "total_outflows": 300.10,
75                "transaction_count": 20,
76                "detailed_personal_finance_category": "GENERAL_MERCHANDISE_SUPERSTORES",
77            }
78        }
79    },
80}