How It Works
- Choose the rule. Pick one or more traits, such as “Q2 classifies this user as a small business.”
- Automate Banking checks every user. On a schedule, each user’s traits are compared against your rule.
- Matching users are moved. They are placed in the group you choose, and every move is recorded in a report. You can preview the list before anything changes.
What Q2 SMART Adds
Use Cases at a Glance
Find Business Users Hiding in Consumer Groups
Many business owners open personal accounts and are enrolled in a consumer group. Q2 can tell from their transactions that they run a business.Small Businesses in Consumer Groups
- Who: users in a consumer group whom Q2 identifies as a small business
- What happens: moved into the business group
- Benefit: business owners get business tools without asking, and you uncover business relationships you did not know you had
- Traits used: Small business users, Q2central Group
Side Businesses and Sole Proprietors
- Who: users whom Q2 identifies as a microbusiness, such as freelancers and side businesses
- What happens: moved into a group with light business tools, such as invoicing or business transfers
- Benefit: they are served before they look for a business bank elsewhere
- Traits used: Microbusiness users
Commercial-Scale Activity
- Who: users whose activity Q2 identifies as commercial
- What happens: moved into the commercial banking group with the matching approvals and limits
- Benefit: clients get the controls their activity calls for, however they were first enrolled
- Traits used: Commercial users
Match Features to Real Behavior
Account type tells you what a user could do. Payment traits tell you what they actually do.Businesses Running Payroll
- Who: business users who start running ACH payroll or uploading ACH batch files
- What happens: moved into a treasury management group
- Benefit: growing businesses get more tools as they grow, without a manual request
- Traits used: Processed ACH payroll, ACH batch file
Higher Limits for Active Senders
- Who: users who regularly send money through ACH, wires, and external transfers
- What happens: moved into a group with higher daily limits
- Benefit: fewer blocked payments and support calls from your most active users
- Traits used: Outgoing transaction usage
International Wire Users
- Who: users who actually send international wires
- What happens: kept in the group that allows international wires, while everyone else is not
- Benefit: international wires stay limited to the users who need them
- Traits used: International wire transactions
Reduce Risk
Traits show when a feature goes unused or activity looks unusual, so access can be tightened automatically.Remove Unused Payment Access
- Who: users who have not sent a wire or external transfer in 12 months
- What happens: moved into a group without those features, and can be moved back if needed
- Benefit: wires and external transfers are favorite fraud targets. Removing unused access shrinks the target
- Traits used: Domestic wire transaction date, International wire date, External funds transfer date
Complete Security Setup First
- Who: users who have not set up where their Secure Access Code is sent
- What happens: moved into a group without high-risk features until setup is done
- Benefit: sensitive features are only available to users who can be verified
- Traits used: Defined Secure Access Code (SAC) target missing in UUX
Review Unusual Deposits
- Who: users whose deposits suddenly jump far above normal
- What happens: moved into a group with lower transfer limits while your team reviews the activity
- Benefit: sudden spikes can signal scams or money mule activity. Lower limits buy time to check
- Traits used: Deposit - unexpected activity, Deposit - activity score
Dormant Business Accounts
- Who: business users with a business checking account that has not been used in six months
- What happens: moved into a reduced-access group
- Benefit: an open but unused business account is easy to misuse. This catches it even when the user still logs in
- Traits used: Small business checking account transaction date, Commercial checking account transaction date
Recognize Your Best Relationships
Balances show what a user keeps with you today. These traits show how much of their financial life you are part of.Primary Relationship Customers
- Who: users who receive their paycheck with you and hold most of their money with you
- What happens: moved into a loyalty group with better limits and perks
- Benefit: your most loyal users are recognized automatically, making them even less likely to leave
- Traits used: Share of Wallet, Receives payroll
High-Income Households
- Who: users whose estimated yearly income passes a set amount, even if their balance with you is still small
- What happens: moved into a premium group
- Benefit: you serve high-potential users before they move their money to you
- Traits used: Annual deposited income
Services and Brands
Positive Pay Clients
- Who: business users with Positive Pay turned on
- What happens: moved into the group that gives access to the Positive Pay tools
- Benefit: clients find the fraud protection they pay for without calling support
- Traits used: Centrix ETMS Positive Pay enabled
Multi-Brand Institutions
- Who: users of each brand at an institution that runs several brands on one platform
- What happens: moved into the group that matches their brand
- Benefit: each brand keeps its own look, products, and features
- Traits used: Zone
Good to Know
- Combine traits to make a move more precise. For example, move only small business users who also run ACH payroll.
- Move and notify together. For example, move a user into the treasury group and send a push notification explaining their new tools.
- Availability varies. Not every trait is enabled at every institution. Your Q2 Customer Experience Manager can confirm which ones you have.
- Learn more. See Supported Traits for the full list, Push Notification Use Cases for messaging ideas, or Targeted Ads Use Cases for in-app ads.