Trait availability varies by institution. This list covers the Q2 SMART traits supported in Automate Banking, but not every trait is enabled for every institution. Contact your Q2 Customer Experience Manager to confirm which traits are available to you.
Value Types
Each trait returns one type of value. The value type determines which operators and values you can use when configuring a criterion.| Value type | What it holds | Example trait |
|---|---|---|
| Yes/No | Whether something is true for the user | Bill Pay enrolled |
| Date | When something happened | Last login date |
| Number | A count, amount, age, or rate | Number of CDs |
| Score | A relative ranking from 0 to 100 that compares the user against all users at your institution | Bill Pay usage |
| Text | A single text value | ZIP Code |
| List | One value from a fixed set of options | Preferred language |
Product Traits
Each banking product has a trait for whether the user holds it, a trait for how many they hold, and a trait for when they last made a transaction on it. Product traits are based on how each account’s product type is mapped in Q2.Checking
| Trait | Value type | Description |
|---|---|---|
Basic checking accounts | Yes/No | Whether the user has a basic checking account |
Number of Basic checking accounts | Number | How many basic checking accounts the user has |
Basic checking account transaction date | Date | When the user last made a transaction on a basic checking account |
Interest-bearing checking accounts | Yes/No | Whether the user has an interest-bearing checking account |
Number of Interest-bearing checking accounts | Number | How many interest-bearing checking accounts the user has |
Interest-bearing checking account transaction date | Date | When the user last made a transaction on an interest-bearing checking account |
Premium checking accounts | Yes/No | Whether the user has a premium checking account |
Number of Premium checking accounts | Number | How many premium checking accounts the user has |
Premium checking account transaction date | Date | When the user last made a transaction on a premium checking account |
Restricted checking accounts | Yes/No | Whether the user has a restricted checking account |
Number of Restricted checking accounts | Number | How many restricted checking accounts the user has |
Restricted checking account transaction date | Date | When the user last made a transaction on a restricted checking account |
Special checking accounts | Yes/No | Whether the user has a special checking account |
Special checking account transaction date | Date | When the user last made a transaction on a special checking account |
Small business checking accounts | Yes/No | Whether the user has a small business checking account |
Number of Small business checking accounts | Number | How many small business checking accounts the user has |
Small business checking account transaction date | Date | When the user last made a transaction on a small business checking account |
External transfer checking accounts | Yes/No | Whether the user has an external transfer checking account |
Number of External transfer checking accounts | Number | How many external transfer checking accounts the user has |
External transfer checking account transaction date | Date | When the user last made a transaction on an external transfer checking account |
Savings and Deposits
| Trait | Value type | Description |
|---|---|---|
Savings accounts | Yes/No | Whether the user has a savings account |
Number of Savings accounts | Number | How many savings accounts the user has |
Savings account transaction date | Date | When the user last made a transaction on a savings account |
Premium savings accounts | Yes/No | Whether the user has a premium savings account |
Number of Premium savings accounts | Number | How many premium savings accounts the user has |
Premium savings account transaction date | Date | When the user last made a transaction on a premium savings account |
Special savings accounts | Yes/No | Whether the user has a special savings account |
Number of Special savings accounts | Number | How many special savings accounts the user has |
Special savings account transaction date | Date | When the user last made a transaction on a special savings account |
Restricted savings accounts | Yes/No | Whether the user has a restricted savings account |
Number of Restricted savings accounts | Number | How many restricted savings accounts the user has |
Restricted savings account transaction date | Date | When the user last made a transaction on a restricted savings account |
Health savings accounts | Yes/No | Whether the user has a health savings account |
Number of Health savings accounts | Number | How many health savings accounts the user has |
Health savings account transaction date | Date | When the user last made a transaction on a health savings account |
Education savings accounts | Yes/No | Whether the user has an education savings account |
Number of Education savings accounts | Number | How many education savings accounts the user has |
Education savings account transaction date | Date | When the user last made a transaction on an education savings account |
Holiday club savings accounts | Yes/No | Whether the user has a holiday club savings account |
Number of Holiday club savings accounts | Number | How many holiday club savings accounts the user has |
Holiday club savings account transaction date | Date | When the user last made a transaction on a holiday club savings account |
Membership shares | Yes/No | Whether the user has a membership share |
Number of Membership shares | Number | How many membership shares the user has |
Membership shares transaction date | Date | When the user last made a transaction on a membership share |
Money market accounts | Yes/No | Whether the user has a money market account |
Number of Money market accounts | Number | How many money market accounts the user has |
Money market account transaction date | Date | When the user last made a transaction on a money market account |
CDs | Yes/No | Whether the user has a CD (certificate of deposit) |
Number of CDs | Number | How many CDs the user has |
CD transaction date | Date | When the user last made a transaction on a CD |
External transfer savings accounts | Yes/No | Whether the user has an external transfer savings account |
Number of External transfer savings accounts | Number | How many external transfer savings accounts the user has |
External transfer savings account transaction date | Date | When the user last made a transaction on an external transfer savings account |
Retirement and Investments
| Trait | Value type | Description |
|---|---|---|
401k plans | Yes/No | Whether the user has a 401k plan |
Number of 401k plans | Number | How many 401k plans the user has |
401k plan transaction date | Date | When the user last made a transaction on a 401k plan |
403b plans | Yes/No | Whether the user has a 403b plan |
Number of 403b plans | Number | How many 403b plans the user has |
403b plan transaction date | Date | When the user last made a transaction on a 403b plan |
529 plans | Yes/No | Whether the user has a 529 plan |
Number of 529 plans | Number | How many 529 plans the user has |
529 plan transaction date | Date | When the user last made a transaction on a 529 plan |
Roth IRAs | Yes/No | Whether the user has a Roth IRA |
Number of Roth IRAs | Number | How many Roth IRAs the user has |
Roth IRA transaction date | Date | When the user last made a transaction on a Roth IRA |
Roth IRA CDs | Yes/No | Whether the user has a Roth IRA CD |
Number of Roth IRA CDs | Number | How many Roth IRA CDs the user has |
Roth IRA CD transaction date | Date | When the user last made a transaction on a Roth IRA CD |
Traditional IRAs | Yes/No | Whether the user has a traditional IRA |
Number of Traditional IRAs | Number | How many traditional IRAs the user has |
Traditional IRA transaction date | Date | When the user last made a transaction on a traditional IRA |
Traditional IRA CDs | Yes/No | Whether the user has a traditional IRA CD |
Number of Traditional IRAs CD | Number | How many traditional IRA CDs the user has |
Traditional IRA CD transaction date | Date | When the user last made a transaction on a traditional IRA CD |
Brokerage accounts | Yes/No | Whether the user has a brokerage account |
Number of Brokerage accounts | Number | How many brokerage accounts the user has |
Brokerage account transaction date | Date | When the user last made a transaction on a brokerage account |
Trusts | Yes/No | Whether the user has a trust |
Number of Trusts | Number | How many trusts the user has |
Trust transaction date | Date | When the user last made a transaction on a trust |
Interest-only legal trust accounts | Yes/No | Whether the user has an interest-only legal trust account |
Number of Interest-only legal trust accounts | Number | How many interest-only legal trust accounts the user has |
Interest-only legal trust account transaction date | Date | When the user last made a transaction on an interest-only legal trust account |
Cards
| Trait | Value type | Description |
|---|---|---|
Credit cards | Yes/No | Whether the user has a credit card |
Number of Credit cards | Number | How many credit cards the user has |
Credit card transaction date | Date | When the user last made a transaction on a credit card |
Secured credit cards | Yes/No | Whether the user has a secured credit card |
Number of Secured credit cards | Number | How many secured credit cards the user has |
Secured credit card transaction date | Date | When the user last made a transaction on a secured credit card |
Special credit cards | Yes/No | Whether the user has a special credit card |
Number of Special credit cards | Number | How many special credit cards the user has |
Special credit card transaction date | Date | When the user last made a transaction on a special credit card |
Debit cards | Yes/No | Whether the user has a debit card |
Number of Debit cards | Number | How many debit cards the user has |
Debit card transaction date | Date | When the user last made a transaction on a debit card |
Loans and Lines of Credit
| Trait | Value type | Description |
|---|---|---|
Loans | Yes/No | Whether the user has a loan |
Number of Loans | Number | How many loans the user has |
Loan transaction date | Date | When the user last made a transaction on a loan |
Secured loans | Yes/No | Whether the user has a secured loan |
Number of Secured loans | Number | How many secured loans the user has |
Secured loan transaction date | Date | When the user last made a transaction on a secured loan |
Student loans | Yes/No | Whether the user has a student loan |
Number of Student loans | Number | How many student loans the user has |
Student loan transaction date | Date | When the user last made a transaction on a student loan |
New auto loans | Yes/No | Whether the user has a new auto loan |
Number of New auto loans | Number | How many new auto loans the user has |
New auto loan transaction date | Date | When the user last made a transaction on a new auto loan |
Used auto loans | Yes/No | Whether the user has an used auto loan |
Number of Used auto loans | Number | How many used auto loans the user has |
Used auto loan transaction date | Date | When the user last made a transaction on an used auto loan |
Indirect auto loans | Yes/No | Whether the user has an indirect auto loan |
Number of Indirect auto loans | Number | How many indirect auto loans the user has |
Indirect auto loan transaction date | Date | When the user last made a transaction on an indirect auto loan |
Special vehicle loans | Yes/No | Whether the user has a special vehicle loan |
Number of Special vehicle loans | Number | How many special vehicle loans the user has |
Special vehicle loan transaction date | Date | When the user last made a transaction on a special vehicle loan |
Special indirect vehicle loans | Yes/No | Whether the user has a special indirect vehicle loan |
Number of Special indirect vehicle loans | Number | How many special indirect vehicle loans the user has |
Special indirect vehicle transaction date | Date | When the user last made a transaction on a special indirect vehicle loan |
Real estate loans | Yes/No | Whether the user has a real estate loan |
Number of Real estate loans | Number | How many real estate loans the user has |
Real estate loan transaction date | Date | When the user last made a transaction on a real estate loan |
Home equity loans | Yes/No | Whether the user has a home equity loan |
Number of Home equity loans | Number | How many home equity loans the user has |
Home equity loan transaction date | Date | When the user last made a transaction on a home equity loan |
Home equity lines of credit (HELOC) | Yes/No | Whether the user has a home equity line of credit (HELOC) |
Number of Home equity lines of credit | Number | How many home equity lines of credit the user has |
Home equity line of credit (HELOC) transaction date | Date | When the user last made a transaction on a home equity line of credit |
Lines of credit | Yes/No | Whether the user has a line of credit |
Number of Lines of credit | Number | How many lines of credit the user has |
Lines of credit transaction date | Date | When the user last made a transaction on a line of credit |
Commercial Products
| Trait | Value type | Description |
|---|---|---|
Commercial checking accounts | Yes/No | Whether the user has a commercial checking account |
Number of Commercial checking accounts | Number | How many commercial checking accounts the user has |
Commercial checking account transaction date | Date | When the user last made a transaction on a commercial checking account |
Commercial special checking accounts | Yes/No | Whether the user has a commercial special checking account |
Number of Commercial special checking accounts | Number | How many commercial special checking accounts the user has |
Commercial special checking account transaction date | Date | When the user last made a transaction on a commercial special checking account |
Commercial savings accounts | Yes/No | Whether the user has a commercial savings account |
Number of Commercial savings accounts | Number | How many commercial savings accounts the user has |
Commercial savings account transaction date | Date | When the user last made a transaction on a commercial savings account |
Commercial special savings accounts | Yes/No | Whether the user has a commercial special savings account |
Number of Commercial special savings accounts | Number | How many commercial special savings accounts the user has |
Commercial special savings account transaction date | Date | When the user last made a transaction on a commercial special savings account |
Commercial money market accounts | Yes/No | Whether the user has a commercial money market account |
Number of Commercial money market accounts | Number | How many commercial money market accounts the user has |
Commercial money market account transaction date | Date | When the user last made a transaction on a commercial money market account |
Commercial CDs | Yes/No | Whether the user has a commercial CD |
Number of Commercial CDs | Number | How many commercial CDs the user has |
Commercial CD transaction date | Date | When the user last made a transaction on a commercial CD |
Commercial credit cards | Yes/No | Whether the user has a commercial credit card |
Number of Commercial credit cards | Number | How many commercial credit cards the user has |
Commercial credit card transaction date | Date | When the user last made a transaction on a commercial credit card |
Commercial secured credit cards | Yes/No | Whether the user has a commercial secured credit card |
Number of Commercial secured credit cards | Number | How many commercial secured credit cards the user has |
Commercial secured credit card transaction date | Date | When the user last made a transaction on a commercial secured credit card |
Commercial special credit cards | Yes/No | Whether the user has a commercial special credit card |
Number of Commercial special credit cards | Number | How many commercial special credit cards the user has |
Commercial special credit card transaction date | Date | When the user last made a transaction on a commercial special credit card |
Commercial loans | Yes/No | Whether the user has a commercial loan |
Number of Commercial loans | Number | How many commercial loans the user has |
Commercial loan transaction date | Date | When the user last made a transaction on a commercial loan |
Commercial secured loans | Yes/No | Whether the user has a commercial secured loan |
Number of Commercial secured loans | Number | How many commercial secured loans the user has |
Commercial secured loan transaction date | Date | When the user last made a transaction on a commercial secured loan |
Commercial real estate loans | Yes/No | Whether the user has a commercial real estate loan |
Number of Commercial real estate loans | Number | How many commercial real estate loans the user has |
Commercial real estate loan transaction date | Date | When the user last made a transaction on a commercial real estate loan |
Commercial lines of credit | Yes/No | Whether the user has a commercial line of credit |
Number of Commercial lines of credit | Number | How many commercial lines of credit the user has |
Commercial line of credit transaction date | Date | When the user last made a transaction on a commercial line of credit |
Commercial new auto loans | Yes/No | Whether the user has a commercial new auto loan |
Number of Commercial new auto loans | Number | How many commercial new auto loans the user has |
Commercial new auto loan transaction date | Date | When the user last made a transaction on a commercial new auto loan |
Commercial used auto loans | Yes/No | Whether the user has a commercial used auto loan |
Number of Commercial used auto loans | Number | How many commercial used auto loans the user has |
Commercial used auto loan transaction date | Date | When the user last made a transaction on a commercial used auto loan |
Commercial indirect auto loans | Yes/No | Whether the user has a commercial indirect auto loan |
Number of Commercial indirect auto loans | Number | How many commercial indirect auto loans the user has |
Commercial indirect auto loan transaction date | Date | When the user last made a transaction on a commercial indirect auto loan |
Commercial special vehicle loans | Yes/No | Whether the user has a commercial special vehicle loan |
Number of Commercial special vehicle loans | Number | How many commercial special vehicle loans the user has |
Commercial special vehicle loan transaction date | Date | When the user last made a transaction on a commercial special vehicle loan |
Other Accounts and Services
| Trait | Value type | Description |
|---|---|---|
Escrow accounts | Yes/No | Whether the user has an escrow account |
Number of Escrow accounts | Number | How many escrow accounts the user has |
Escrow account transaction date | Date | When the user last made a transaction on an escrow account |
Impound accounts | Yes/No | Whether the user has an impound account |
Number of Impound accounts | Number | How many impound accounts the user has |
Impound account transaction date | Date | When the user last made a transaction on an impound account |
Sweep accounts | Yes/No | Whether the user has a sweep account |
Number of Sweep accounts | Number | How many sweep accounts the user has |
Sweep account transaction date | Date | When the user last made a transaction on a sweep account |
Safe deposit boxes | Yes/No | Whether the user has a safe deposit box |
Number of Safe deposit boxes | Number | How many safe deposit boxes the user has |
Safe deposit box transaction date | Date | When the user last made a transaction on a safe deposit box |
Employee-only accounts | Yes/No | Whether the user has an employee-only account |
Number of Employee-only accounts | Number | How many employee-only accounts the user has |
Employee-only account transaction date | Date | When the user last made a transaction on an employee-only account |
Insurance products | Yes/No | Whether the user has an insurance product |
Number of Insurance products | Number | How many insurance products the user has |
Insurance product transaction date | Date | When the user last made a transaction on an insurance product |
Other services | Yes/No | Whether the user has other service products |
Number of Other services | Number | How many other service products the user has |
Other services transaction date | Date | When the user last made a transaction for other services |
Charge-offs | Yes/No | Whether the user has received a charge-off |
Number of Charge-offs | Number | How many charge-offs the user has received |
Charge-off transaction date | Date | When the user last made a transaction on an account with a charge-off |
Accounts ignored by Q2 SMART | Yes/No | Whether the user has an account that Q2 SMART is set to ignore |
Number of Accounts ignored by Q2 SMART | Number | How many of the user’s accounts Q2 SMART is set to ignore |
Accounts ignored by Q2 SMART transaction date | Date | When the user last made a transaction on an account ignored by Q2 SMART |
Digital Banking Activity
| Trait | Value type | What it tells you |
|---|---|---|
User enrollment date | Date | When the user enrolled in digital banking |
Customer enrollment date | Date | When the customer the user belongs to enrolled in digital banking |
First login date | Date | When the user first logged in. Users who first logged in before October 12, 2022, or before the institution moved to Q2, show their enrollment date instead |
Last login date | Date | When the user last logged in |
Monthly login activity | Number | Average logins per month over the past six months |
Desktop login | Yes/No | Whether the user has logged in from a desktop |
Desktop login date | Date | When the user last logged in from a desktop |
Mobile phone logins | Yes/No | Whether the user has logged in from a mobile phone |
Mobile phone login date | Date | When the user last logged in from a mobile phone |
Tablet login | Yes/No | Whether the user has logged in from a tablet |
Tablet login date | Date | When the user last logged in from a tablet |
Mobile operating system | Text | The mobile operating system the user most recently signed in from |
Payments and Transfers
These traits are based on what the user has actually done, not on which features are enabled for them.| Trait | Value type | Description |
|---|---|---|
ACH payment transactions | Yes/No | Whether the user has made an ACH payment |
ACH payment date | Date | When the user last made an ACH payment |
ACH batch file | Yes/No | Whether the user has processed an ACH batch file |
ACH batch file process date | Date | When the user last processed an ACH batch file |
Processed ACH payroll | Yes/No | Whether the user has processed an ACH payroll |
ACH payroll process date | Date | When the user last processed an ACH payroll |
ACH Pass-thru | Yes/No | Whether the user has used ACH Pass-thru |
ACH Pass-thru date | Date | When the user last used ACH Pass-thru |
Domestic wire transactions | Yes/No | Whether the user has sent a domestic wire |
Domestic wire transaction date | Date | When the user last sent a domestic wire |
International wire transactions | Yes/No | Whether the user has sent an international wire |
International wire date | Date | When the user last sent an international wire |
Internal funds transfers | Yes/No | Whether the user has completed an internal funds transfer |
Internal funds transfer date | Date | When the user last completed an internal funds transfer |
External funds transfer | Yes/No | Whether the user has completed an external funds transfer |
External funds transfer date | Date | When the user last completed an external funds transfer |
Mobile remote deposit | Yes/No | Whether the user has made a mobile remote deposit |
Mobile remote deposit date | Date | When the user last made a mobile remote deposit |
Stop-payment | Yes/No | Whether the user has stopped a payment |
Stop-payment date | Date | When the user last stopped a payment |
Digital Banking Features
| Trait | Value type | What it tells you |
|---|---|---|
Bill Pay - eligible to enroll | Yes/No | Whether a consumer user is eligible to enroll in Bill Pay |
Bill Pay enrolled | Yes/No | Whether a consumer user is enrolled in Bill Pay |
Bill Pay usage | Score | How actively the user has used Bill Pay in the last 180 days (RFM score) |
Users enrolled in Biller Direct | Yes/No | Whether the user is enrolled in Biller Direct |
AutoPay enabled | Yes/No | Whether the user appears to have AutoPay set up, based on their transaction patterns |
Card Controls enabled | Yes/No | Whether Card Controls is enabled for the user |
CardSwap registered cards | Yes/No | Whether the user has registered a card in Q2 CardSwap |
Centrix ETMS Positive Pay enabled | Yes/No | Whether Centrix ETMS Positive Pay is enabled for the user through an integrated Positive Pay adapter |
Users selected an e-statement preference | Yes/No | Yes if the user has enrolled at least one account in e-statements. No if all accounts are set to paper or no preference has been chosen |
Defined Secure Access Code (SAC) target missing in UUX | Yes/No | Whether the user has not set up a Secure Access Code target |
Number of Favorite accounts | Number | How many accounts the user has marked as favorites |
User Profile
| Trait | Value type | What it tells you |
|---|---|---|
User's age | Number | The user’s age in years. Requires birth dates to be stored in the Q2 database |
ZIP Code | Text | The ZIP Code on the user’s profile |
Home Address - State | Text | The U.S. state of the user’s home address |
Preferred language | List | The user’s preferred language: English, Spanish, Portuguese, Chinese (Traditional), Chinese (Simplified - Cantonese), or Chinese (Simplified - Mandarin) |
Number of accounts | Number | How many accounts the user has |
Q2central Group | Text | The group the user belongs to in Q2central. A new group can take about 24 hours to appear after a user is added to it |
Zone | Text | The zone the user belongs to, for institutions that run multiple brands under one Q2 instance |
Your existing users | Yes/No | Whether the user exists in your institution’s system |
has deleted date | Yes/No | Whether the user has been deleted |
User Classification
Q2 classifies each user based on their transaction data and the banking features they have used.| Trait | Value type | What it tells you |
|---|---|---|
Consumer users | Yes/No | Whether the user is classified as a consumer |
Small business users | Yes/No | Whether the user is classified as a small business |
Microbusiness users | Yes/No | Whether the user is classified as a microbusiness |
Commercial users | Yes/No | Whether the user is classified as commercial |
Financial Insights
| Trait | Value type | What it tells you |
|---|---|---|
Annual deposited income | Number | Estimated yearly income, based on deposits to all of the user’s consumer accounts |
Receives payroll | Yes/No | Whether the user appears to receive regular paychecks or other recurring income, based on the last three months of checking and savings deposits |
Current loan balance | Number | Balance of the user’s loan with the earliest unpaid due date |
Loan payment due within week | Yes/No | Whether the user has a loan with a balance and a payment due in the next seven days |
Deposit - unexpected activity | Yes/No | Whether the user’s deposits over the last three months were unusual compared to their history |
Deposit - activity score | Number | How unusual the user’s deposits were over the last three months, from -10 (much lower than normal) to 10 (much higher than normal). 0 means expected |
Deposit - relative percentage | Number | Actual deposits as a percentage of expected deposits over the last three months. Over 100% means more than expected |
Deposit - unexpected amount | Number | How far actual deposits were above (positive) or below (negative) the expected three-month total |
Outgoing transaction usage | Score | How actively the user sends money through digital banking, such as ACH, wires, and external transfers (RFM score) |
Common transaction frequency | Score | Combined frequency of grocery, auto maintenance, and utility transactions |
Grocery transaction frequency | Score | Frequency of grocery transactions |
Utilities transaction frequency | Score | Frequency of utility transactions |
Auto maintenance transaction frequency | Score | Frequency of auto maintenance transactions such as gas, oil changes, and car washes |
Spike in spending - auto repair expenses | List | True if auto repair spending in the last three months spiked compared to earlier in the year, False if normal, or Unknown if there is not enough history |
Share of Wallet | List | Low (0–33%), Medium (33–66%), or High (66–100%), based on how many of the user’s accounts are held at your institution versus linked from elsewhere. Requires CPFM |
Q2 Goals
These traits require Q2 Goals.| Trait | Value type | Description |
|---|---|---|
Q2 Goals - eligible to enroll | Yes/No | Whether the user is eligible to set up Q2 Goals |
Q2 Goals enrolled | Yes/No | Whether the user has set up Q2 Goals |
Q2 Goals - Unfunded Account | Yes/No | Whether the user has a new goal account that has not been funded |
Goal Categories
| Trait | Value type | Description |
|---|---|---|
Q2 Goals - Automobile Category | Yes/No | Whether the user has a goal in the automobile category |
Q2 Goals Percentage - Automobile Category | Number | How far the user has progressed toward their automobile goal, as a percentage |
Q2 Goals - Bills and Payments Category | Yes/No | Whether the user has a goal in the bills and payments category |
Q2 Goals Percentage - Bills and Payments Category | Number | How far the user has progressed toward their bills and payments goal, as a percentage |
Q2 Goals - Business Category | Yes/No | Whether the user has a goal in the business category |
Q2 Goals Percentage - Business Category | Number | How far the user has progressed toward their business goal, as a percentage |
Q2 Goals - Charity Category | Yes/No | Whether the user has a goal in the charity category |
Q2 Goals Percentage - Charity Category | Number | How far the user has progressed toward their charity goal, as a percentage |
Q2 Goals - Children Category | Yes/No | Whether the user has a goal in the children category |
Q2 Goals Percentage - Children Category | Number | How far the user has progressed toward their children goal, as a percentage |
Q2 Goals - Debt Category | Yes/No | Whether the user has a goal in the debt category |
Q2 Goals Percentage - Debt Category | Number | How far the user has progressed toward their debt goal, as a percentage |
Q2 Goals - Education Category | Yes/No | Whether the user has a goal in the education category |
Q2 Goals Percentage - Education Category | Number | How far the user has progressed toward their education goal, as a percentage |
Q2 Goals - Emergency Category | Yes/No | Whether the user has a goal in the emergency category |
Q2 Goals Percentage - Emergency Category | Number | How far the user has progressed toward their emergency goal, as a percentage |
Q2 Goals - Entertainment Category | Yes/No | Whether the user has a goal in the entertainment category |
Q2 Goals Percentage - Entertainment Category | Number | How far the user has progressed toward their entertainment goal, as a percentage |
Q2 Goals - Family Category | Yes/No | Whether the user has a goal in the family category |
Q2 Goals Percentage - Family Category | Number | How far the user has progressed toward their family goal, as a percentage |
Q2 Goals - General Savings Category | Yes/No | Whether the user has a goal in the general savings category |
Q2 Goals Percentage - General Savings Category | Number | How far the user has progressed toward their general savings goal, as a percentage |
Q2 Goals - Gift Category | Yes/No | Whether the user has a goal in the gift category |
Q2 Goals Percentage - Gift Category | Number | How far the user has progressed toward their gift goal, as a percentage |
Q2 Goals - Health Category | Yes/No | Whether the user has a goal in the health category |
Q2 Goals Percentage - Health Category | Number | How far the user has progressed toward their health goal, as a percentage |
Q2 Goals - Home Improvement Category | Yes/No | Whether the user has a goal in the home improvement category |
Q2 Goals Percentage - Home Improvement Category | Number | How far the user has progressed toward their home improvement goal, as a percentage |
Q2 Goals - Home Purchase Category | Yes/No | Whether the user has a goal in the home purchase category |
Q2 Goals Percentage - Home Purchase Category | Number | How far the user has progressed toward their home purchase goal, as a percentage |
Q2 Goals - Investment Category | Yes/No | Whether the user has a goal in the investment category |
Q2 Goals Percentage - Investment Category | Number | How far the user has progressed toward their investment goal, as a percentage |
Q2 Goals - Major Purchase Category | Yes/No | Whether the user has a goal in the major purchase category |
Q2 Goals Percentage - Major Purchase Category | Number | How far the user has progressed toward their major purchase goal, as a percentage |
Q2 Goals - Other Category | Yes/No | Whether the user has a goal in the other category |
Q2 Goals Percentage - Other Category | Number | How far the user has progressed toward their other goal, as a percentage |
Q2 Goals - Retirement Category | Yes/No | Whether the user has a goal in the retirement category |
Q2 Goals Percentage - Retirement Category | Number | How far the user has progressed toward their retirement goal, as a percentage |
Q2 Goals - Shopping Category | Yes/No | Whether the user has a goal in the shopping category |
Q2 Goals Percentage - Shopping Category | Number | How far the user has progressed toward their shopping goal, as a percentage |
Q2 Goals - Sports and Hobbies Category | Yes/No | Whether the user has a goal in the sports and hobbies category |
Q2 Goals Percentage - Sports and Hobbies Category | Number | How far the user has progressed toward their sports and hobbies goal, as a percentage |
Q2 Goals - Taxes Category | Yes/No | Whether the user has a goal in the taxes category |
Q2 Goals Percentage - Taxes Category | Number | How far the user has progressed toward their taxes goal, as a percentage |
Q2 Goals - Vacation Category | Yes/No | Whether the user has a goal in the vacation category |
Q2 Goals Percentage - Vacation Category | Number | How far the user has progressed toward their vacation goal, as a percentage |
Q2 Goals - Wedding Category | Yes/No | Whether the user has a goal in the wedding category |
Q2 Goals Percentage - Wedding Category | Number | How far the user has progressed toward their wedding goal, as a percentage |
Alerts and Notifications
Each trait is Yes/No and shows whether the user is enrolled in that alert or notification type.| Trait | What it tells you |
|---|---|
Alerts enrolled | Enrolled in any alerts |
Amount-driven Account alerts enrolled | Enrolled in balance alerts triggered by an amount |
Date-driven Account alerts enrolled | Enrolled in balance alerts triggered by a date |
History alerts enrolled | Enrolled in history alerts |
Insufficient Funds alerts enrolled | Enrolled in insufficient funds alerts |
Online Transaction alerts enrolled | Enrolled in alerts for transactions made in digital banking |
Non-Online Transaction alerts enrolled | Enrolled in alerts for transactions made outside digital banking |
Recipient notification online transaction alerts enrolled | Enrolled in recipient notifications for online transactions |
Reminder alerts enrolled | Enrolled in reminder alerts |
Email notifications enrolled | Receives notifications by email |
SMS notifications enrolled | Receives notifications by text message |
Push notifications enrolled | Receives push notifications |
Voice notifications enrolled | Receives notifications by voice call |
External Accounts (CPFM)
These traits come from Contextual Personal Financial Management (CPFM) and describe accounts users hold at other financial institutions. A user who has not linked an external account will not have data for these traits.| Trait | Value type | Description |
|---|---|---|
CPFM - eligible to enroll | Yes/No | Whether the user is eligible to enroll in CPFM |
CPFM enrolled | Yes/No | Whether the user has accepted the CPFM disclaimer and enrolled |
External Deposit Rates | Number | Interest rate on the user’s external checking and savings accounts |
External Loan Rates | Number | Interest rate on the user’s external mortgages, loans, and lines of credit |
External Credit Card Rates | Number | Interest rate on the user’s external credit cards |
External Account Types
| Trait | Value type | Description |
|---|---|---|
External checking accounts | Yes/No | Whether the user has linked external checking accounts |
Total balance of External checking accounts | Number | Combined balance of the user’s linked external checking accounts |
External savings accounts | Yes/No | Whether the user has linked external savings accounts |
Total balance of External savings accounts | Number | Combined balance of the user’s linked external savings accounts |
External money market accounts | Yes/No | Whether the user has linked external money market accounts |
Total balance of External money market accounts | Number | Combined balance of the user’s linked external money market accounts |
External CDs | Yes/No | Whether the user has linked external CDs |
Total balance of External CDs | Number | Combined balance of the user’s linked external CDs |
External credit cards | Yes/No | Whether the user has linked external credit cards |
Total balance of External credit cards | Number | Combined balance of the user’s linked external credit cards |
External loans | Yes/No | Whether the user has linked external loans |
Total balance of External loans | Number | Combined balance of the user’s linked external loans |
External consumer loans | Yes/No | Whether the user has linked external consumer loans |
Total balance of External consumer loans | Number | Combined balance of the user’s linked external consumer loans |
External auto loans | Yes/No | Whether the user has linked external auto loans |
Total balance of External auto loans | Number | Combined balance of the user’s linked external auto loans |
External student loans | Yes/No | Whether the user has linked external student loans |
Total balance of External student loans | Number | Combined balance of the user’s linked external student loans |
External mortgage loans | Yes/No | Whether the user has linked external mortgage loans |
Total balance of External mortgage loans | Number | Combined balance of the user’s linked external mortgage loans |
External home equity loans | Yes/No | Whether the user has linked external home equity loans |
Total balance of External home equity loans | Number | Combined balance of the user’s linked external home equity loans |
External lines of credit | Yes/No | Whether the user has linked external lines of credit |
Total balance of External lines of credit | Number | Combined balance of the user’s linked external lines of credit |
External 401k plans | Yes/No | Whether the user has linked external 401k plans |
Total balance of External 401k plans | Number | Combined balance of the user’s linked external 401k plans |
External 403b plans | Yes/No | Whether the user has linked external 403b plans |
Total balance of External 403b plans | Number | Combined balance of the user’s linked external 403b plans |
External 529 plans | Yes/No | Whether the user has linked external 529 plans |
Total balance of External 529 plans | Number | Combined balance of the user’s linked external 529 plans |
External Roth IRAs | Yes/No | Whether the user has linked external Roth IRAs |
Total balance of External Roth IRAs | Number | Combined balance of the user’s linked external Roth IRAs |
External traditional IRAs | Yes/No | Whether the user has linked external traditional IRAs |
Total balance of External traditional IRAs | Number | Combined balance of the user’s linked external traditional IRAs |
External SIMPLE IRAs | Yes/No | Whether the user has linked external SIMPLE IRAs |
Total balance of External SIMPLE IRAs | Number | Combined balance of the user’s linked external SIMPLE IRAs |
External brokerage accounts | Yes/No | Whether the user has linked external brokerage accounts |
Total balance of External brokerage accounts | Number | Combined balance of the user’s linked external brokerage accounts |
External investment accounts | Yes/No | Whether the user has linked external investment accounts |
Total balance of External investment accounts | Number | Combined balance of the user’s linked external investment accounts |
External unknown accounts | Yes/No | Whether the user has linked external unknown accounts |
Total balance of External unknown accounts | Number | Combined balance of the user’s linked external unknown accounts |
Need a Trait That Isn’t Listed?
Q2 adds new traits to SMART over time. If you need to target users on a data point that isn’t listed here, contact us at hello@nuevesolutions.com to discuss what’s possible.