DAILY EVENT BASED SIGNALS
Knowing the right time to connect with your customers
You don’t need more data—you need to know what’s changing.
Customer behavior is constantly shifting: deposits move, spending patterns change, relationships weaken or grow. But those signals are often buried in transaction noise or missed entirely.
Every day, your customers are telling you something through their transactions. The challenge is recognizing which changes actually matter, and catching them early enough to act.
That’s where behavioral triggers change the equation.
Instead of reacting after the fact, your team can see meaningful changes in customer behavior as they happen—and act with precision.
Consumer Event Based Signals
Understand how your customers are changing in real time
Lending
Mortgage, car, student, and personal loans
- Mortgage lifecycle & payment behavior
- Student loan activity
- Credit card spending / payment shifts
- Installment and auto loan activity
- Housing mobility / intent signals
Deposits
Changes in income and bonuses
- Income inflows and earnings changes
- Government benefits / entitlement income
- Retirement transition signals
- Employment lifecycle / income disruption
Money Movement
Significant transfers and refunds
- Account-to-account and external money movement
- Investment and brokerage activity shifts
- Education savings behavior
- Tax-related inflows
- High-value liquidity / cash movement signals
Life Events
Identify the moments that matter
- Education planning
- Family changes
- Caregiving Changes
- Retirement transitions
Business Event Based Signals
Gain visibility into how business customers are operating and changing
Lending
Capture key shifts in the following lending related areas:
- Credit utilization & working capital stress signals
- New debt adoption / financing expansion
- Liquidity usage / revolving credit activity
- Credit facility reduction / paydown or contraction
- Asset-based / inventory or structured financing activity
Money Movement
Identify client retention vs. attrition risk from competitive relationships to include the following:
- Bank relationship retention & switching behavior
- Investment account activity & portfolio movement
- External capital movement / off-balance-sheet flow
- High-value liquidity movement (cross-channel consolidation)
Business Services
Operational infrastructure shifts in how a business runs to include the following:
- Payroll adoption, churn, and stability
- Employee benefits administration (retirement services) adoption & churn
- Merchant services enablement & deactivation (payment processing capability)
- Workforce financial operations intensity (payroll + benefits scale changes)
If you are curious what these types of insights would look like within your own customer base, that’s where we typically start—by evaluating your transaction data and surfacing what’s already there.
Are you ready to schedule a demo? Set up a consultation to learn more about our services.
Have Questions? Give us a Call
Minneapolis Office
Phone: (815) 708-8981
Washington, DC Office
Phone: (703) 856-4060
Japan Office
Phone: +81-3-6861-7647
Cell: +81-90-9814-4248