MONTHLY PROFILES

HouseholdProfile^TM

Household or Customer level summary covering the attributes available in the AccountProfile^TM plus unique proprietary indicators available only at IFM:

• PrimaryBankIndicator^TM – Helps you understand the strength of your customer relationships based on the quality of their transaction behavior. Connect with them in a more meaningfully way, target more effectively, and make smarter decisions about how you engage.
• TransferRiskScore^TM – Indicates how likely a consumer is to move their discretionary funds in the near future. It’s built from observed transaction patterns, helping you spot customers who may be at higher risk of shifting their money elsewhere. With this insight, you can take a more proactive approach to retention and engagement.
• HomeownershipIndicator ^TM– Homeownership often correlates with different financial needs and behaviors—like additional lending, insurance, or long-term planning. Gain a clearer view of their homeownership profile and living situation, so you can tailor your targeting, messaging, and product offers more effectively.
• RetirementIndicator^TM – Retirement often triggers big decisions. Approach your customers with the right offer at the right time by accurately identifying customers who are semi-retired versus fully retired based on their near real time financial profile.
• WealthIndicator^TM – Expand your addressable audience, not by lowering your standards, but by finding qualified, high-potential customers hiding outside the usual wealth filters.

CreditCardProfile^TM

Detailed payment data, including:

• Breakouts of the top major and store competing credit cards your customers are using
• Receive metrics to better understand how customers use revolving credit beyond your institution
• Identify opportunities to grow share of wallet, refine risk strategies, and tailor more effective offers.

Enable more effective, behavior-based marketing by revealing how your consumer and business customers use their credit cards across issuers, helping you target the right customers, tailor offers, and grow share of wallet.

BusinessProfile^TM

Customer level summary identifying customers with competing business services relationships including:

• Payroll Services
• Merchant Services
• Floor Plan Lending
• Investments
• Money Transfer Activities
• Credit Card Payments
• SBA Lending
• Insurance

Unlock a deeper view of your commercial and business customers’ competitive banking relationships, empowering your relationship managers to identify opportunities, reclaim wallet share, and win back key services.

InvestmentProfile^TM

Household or Customers level summary of specific types of discretionary money movement activity including:

• 401K
• 529 Savings
• Annuities
• Bank Transfers
• Brokerage
• Bonds
• CDs
• Mutual Funds
• Stocks

See exactly where your customers are banking and investing, and how much business they’re giving competitors so you can target opportunities and win more of their financial relationships.