Leading Financial Intelligence Platform
Convert financial data to growth in deposits, loans, cards and wellness
Turn your digital channels into growth channels
Trusted by the world's best Financial Institutions and FinTechs
Deposits Leave
A member reroutes their paycheck and you find out after the balance is gone.
Loans go elsewhere
The signals that someone's ready to borrow sit in your data but your competitor gets to them first.
Cards go cold
Spend drifts to another card weeks before the interchange drop shows up.
Financial AI assistant
The financial relationship is moving to AI. Keep it inside your app.
Provide an experience where consumers can ask about their money in plain language and act on the answer, with every figure pulled from real permissioned data.
Actionable insights feed
Insight only matters if it is data driven and consumers can act on it.
Personalized financial guidance generated from each consumer's financial data, surfaced in a relevant and timely experience, delivered through their preferred channel.
Analyze consumer financial data
You are missing out on consumer understanding and growth opportunities.
Use transaction data and financial behavior to personalize messaging and offers for your consumers. Know what is happening in across their whole financial picture.
Get a complete account view
Most of your consumers' financial lives are invisible to you.
Access account and transaction history all in one view. Use the data to generate financial insight, increase multi-product adoption, and build trust.
Personal financial management
Consumers who don't feel in control of their money look for help somewhere else.
Give consumers data-driven guidance and tools to help them spend smarter, save more, and expand their relationship with you.
Open finance API and analytics
Your consumers are looking for services elsewhere. Know how to keep the relationship.
Secure, consumer-permissioned OAuth connections give you real-time visibility into your consumer's next financial move and tell you what product to offer them next.
Instant account detail, ownership and balance information
Microdeposits can lose the relationship.
Reduce abandonment and streamline account opening with verifications directly in your digital experience.
Cleansed and normalized financial data
Consumer behavior, intent, and opportunities are hidden in your transaction data.
Convert transaction details into clean, categorized and consistent data for digital experiences and analytics.
Investment holdings view
You don't have all the data if you can't see investments.
External brokerage and retirement accounts aggregated and normalized alongside your financial data.
Mobile banking built on the full MX platform
Mobile is your channel for growth.
Transform your mobile banking experience with a platform that promotes consumer financial wellness and unlocks growth in deposits, loans, and cards for your institution.
GROW DEPOSITS
Win the primary relationship, where the paycheck lands.
20% more deposits switches with MX intelligence.
When you are the primary financial relationship, you capture up to 10X more deposits through powerful tools like account aggregation, direct deposit switch and customer analytics.
GROW LENDING
Spot who is ready to borrow, and reach them first.
$1.1T Closed, across 3.1M mortgage loans.
Consumers engaged with the MX are 3X more likely to hold a loan account and funding rates rise 3X with Instant Account Verification.
GROW CARDS
Be the card that stays top of wallet.
6x Balance transfers, 3x new cards.
Half of consumers have a top of wallet account they use for the majority of their payments and purchases.
GROW FINANCIAL WELLNESS
Better financial behavior compounds into balances.
$1,200 saved per employee.
Engaged user of the MX platform see 30% higher financial health scores and 2X higher savings balances.
Case Study
Financial wellness drove 4x increase in savings balances
By pairing data aggregation and AI with real-time personalized insights, OneUnited Bank deepened engagement and helped customers build balances.
"By utilizing data aggregation and artificial intelligence to provide real-time personalized financial insights, OneUnited Bank and MX are fulfilling the promise of economic growth that comes from creating a more financially literate society."
Kevin Cohee, Chairman & CEO, OneUnited Bank
Case Study
Data-driven marketing drives 10% lift in loans
BECU used enhanced data to make its outbound marketing relevant and timely, surfacing borrowing intent and lifting loan application volume.
"Not only are we getting the results we hoped for, such as incremental lift on application volume, but these email campaigns are increasing engagement with our members overall."
Brian Knollenberg, VP, Digital Marketing & Analytics, BECU
Case Study
Mobile drives growth in deposits and account openings
Central Pacific Bank embedded MX-powered direct deposit switching into its mobile app, turning paycheck movement into a repeatable growth motion.
"We embedded our direct deposit switch into the mobile app, and the results have been unbelievable. The day we put it on a mobile device, we had 60 conversions in the first week."
Jason Lazzerini, EVP & Chief Digital Officer, Central Pacific Bank
Case Study
Data-driven insight increases card usage and issuance
Evansville Teachers FCU used MX Insight & Target to spot card-ready members and move spend back on-us, multiplying balance transfers and new-card acceptance.
"It's a testament to the information that we're able to get out of Insight & Target, and it's so very important to the service, to use that data to help our members, save them money, and move them toward our products and services."
1
Aggregate
Start with complete financial visibility.
Unify external accounts, payroll, and competitor data into a single, verified source of truth.
2
Enhance
Turn data into intelligence.
Segment and score account holders on behavior, predicting who's ready to move, borrow, or deepen their relationship before the moment passes.
3
Guide
Guidance at the Right Moment.
Deliver data-driven personalized recommendations right where members already are.
4
Grow
Compound it into Growth.
Enable users to act on financial guidance directly in the experience where the data supports their decision.
Start with data you can act on.
Talk to MX about the shared data foundation that makes every product, team, and AI initiative more accurate.
Research
Financial Health in an Age of Tension
Blog
Paycheck to Paycheck: The Reality Facing Most Americans
Most Americans still live paycheck to paycheck. Here's what the data shows, and how FIs can help.
Research
The Engagement Effect
Stronger engagement drives stronger financial wellness, and the data shows how the two reinforce each other.
Blog
The Untapped Competitive Advantage of Open Banking
Sharing data out isn't a compliance cost, it's the fastest path to primacy. Open banking, done right, compounds into loyalty.
Webinar
2026 Financial Industry Predictions
Research
Crossing the Chasm Between Consumer Demand and Mobile Experiences
Consumers expect more from mobile than most apps deliver. Here's the gap, and how to close it.
Webinar
Your Greatest Growth Engine: Your Mobile Experience
Blog
Why Connection Is the Greatest Strength in Banking
Case Study
Top Bank Drives a 20% Lift in Direct Deposit Switching
Blog
Where Progress Meets Pressure: The State of Open Banking in the U.S.
Consumers expect more from mobile than most apps deliver. Here's the gap, and how to close it.
Blog
From Stability to Security: The Hierarchy Shaping Behavior
Consumers move through a hierarchy of financial needs. Knowing where they are is how you serve them.
Blog
When Fraud Looks Like Trust
When fraud wears the face of trust, consumers lose. Seeing what flows through the pipe is how you stop it.
Central Pacific Bank
37x more direct deposit switches in six months. 50% lift in mobile account openings. By identifying and targeting inactive customers, they're seeing strong growth in direct deposit switches and deposit account openings.
Jason Lazzerini, Central Pacific Bank
SOC 2 Type II
Independently audited controls for security and availability
PCI DSS
Card data handled to payment-industry standards.
Soc 3
CA public report you can read without an NDA
CCPA
Aligned with California consumer-privacy rules.
GDPR
Aligned with EU data-protection requirements.