SERVICES

Turn transaction data into actionable customer behavior

IFM delivers normalized, high-fidelity transaction data that enables banks and credit unions to understand and act on customer behavior faster.

Monthly Profiles

Better understand and deepen customer relationships, identifying time sensitive opportunities to provide advice, and offer products and services fitting your customers’ needs.

Examples of insights include:

  • Competing lender, credit card, deposit, and insurance relationships
  • Customers investing with competing brokerage and financial institutions
  • Customers’ discretionary and nondiscretionary financial activity
  • Customers with wealth profiles not currently in your Wealth Management
    group
  • Identification of significant fluctuations in customer financial activity
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Event Based Signals

An innovative approach to understanding your customer’s financial situation through a process of transactional analysis. Event based signals provide immediate customer reporting based on daily transaction activity and behavioral changes. Financial institutions can focus sales and marketing activities on the right customer at the right time with greater personalization than ever before.

  • Engage customers at the right moment
  • Proactively identify needs and opportunities
  • Grow deposits and share of wallet
  • Reduce attrition and competitive loss
  • Deliver more personalized experiences
  • Improve marketing performance and ROI
  • Drive more effective cross-sell and upsell
  • Enable faster, insight-driven decisions
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Candela PlusTM

Through IFM analysis of ACH and Credit/Debit Card data, the Candela™ Plus files provide detailed cash flow income and spending data providing the foundation of insights offering three tier transaction categorization enabling organizations to support development of internal analytical reporting projects.

  • Marketing Campaign Targeting
  • Predictive Modeling
  • Credit Risk
  • Analytics & Income Verification
  • Onboarding Program Enhancements
  • Self-Sufficiency on ad-hoc analysis
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CashFlow Analysis SuiteTM

Candela CashFlow Analytics Suite
builds upon Candela’s premiere
transaction categorization process
giving you opportunities in:

  • Lending & Credit Underwriting
  • Deposit Growth & Retention
  • Customer Segmentation & Targeted
    Marketing
  • Risk Monitoring & Early Warning
  • Financial Health & Relationship
    Expansion
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How It Works

For nearly 25 years IFM has been receiving ACH, Debit Card, Credit Card, and Wire transaction data from institutions of all sizes across the United States.
The foundation of IFM services is Transaction Cleansing and Categorization. IFM has been at this since 2002 and has developed a best-in-class solution offering the greatest level of granularity of insights available in the industry.

IFM Services Menu

  • 5 Monthly Profiles
  • Daily Event Based Signals
  • Candela Cashflow Analysis SuiteTM
  • Candela Plus TM
  • Custom Campaign Files
  • Competitive Analysis Reporting

IFM builds aggregated attributes and derives more sophisticated insights from a sophisticated foundation of information.

Turning Data Into Action

IFM transforms complex transaction data into clear, actionable insights that reveal what your customers are doing – and what they need next.

See the opportunities hiding in your data.

Connect with an IFM expert to learn how we can help you engage smarter and grow faster.

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