> ## Documentation Index > Fetch the complete documentation index at: https://docs.nuevesolutions.com/llms.txt > Use this file to discover all available pages before exploring further. # Move Group Automate Banking already moves users between groups based on what is on their record: age, how long ago they enrolled, when they last logged in, which accounts they hold, and their balances. Q2 SMART traits add insight into **how users actually bank** — who behaves like a business, which features they use, and whose activity has changed. This page shows the new kinds of group moves those traits make possible. ## How It Works 1. **Choose the rule.** Pick one or more traits, such as "Q2 classifies this user as a small business." 2. **Automate Banking checks every user.** On a schedule, each user's traits are compared against your rule. 3. **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 | Already available in Automate Banking | Added by Q2 SMART traits | | - | - | | Which accounts a user holds | Whether a user banks like a consumer, microbusiness, small business, or commercial client | | Days since enrollment and last login | Which payment features a user actually uses, and when they last used them | | Account balances and total deposits | Estimated income, share of wallet, and unusual deposit activity | | Current group membership | Security setup status, enrolled services, and brand | ## Use Cases at a Glance | Goal | Use cases | | - | - | | Find business users hiding in consumer groups | Small businesses in consumer groups · Side businesses and sole proprietors · Commercial-scale activity | | Match features to real behavior | Businesses running payroll · Higher limits for active senders · International wire users | | Reduce risk | Remove unused payment access · Complete security setup first · Review unusual deposits · Dormant business accounts | | Recognize your best relationships | Primary relationship customers · High-income households | | Services and brands | Positive Pay clients · Multi-brand institutions | ## 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](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/supported-traits.md) for the full list, [Push Notification Use Cases](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/use-cases/push-notifications.md) for messaging ideas, or [Targeted Ads Use Cases](https://docs.nuevesolutions.com/guides/products/automate-banking/q2-smart/use-cases/targeted-ads.md) for in-app ads. Have a group move in mind that is not listed here? Contact us at [hello@nuevesolutions.com](mailto:hello@nuevesolutions.com). 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