Transactional Intelligence
Customer 360
Holistic customer view from transaction intelligence and open banking signals
Key readout
Strong inflow with diversified salary and advisory income, premium lifestyle indicators, and external wealth signals consistent with Affluent Potential.
Open Banking signals suggest Affluent Potential.
MY
Melis Yılmaz
35 · İstanbul
Has MoneyUpper-MassAffluent Potential
Employment
Senior professional + advisory income
City
İstanbul
Relationship
Primary bank
Open Banking
Yes
Core customer facts
Numeric snapshot from internal and enriched account flows
Primary bank
Bank Accounts
2
Total Accounts
4
Current Accounts
2
Salary Day
1st
Monthly Income Transactions
18
Monthly Expense Transactions
56
Avg Net Disposable Income
₺58,000
Spending-to-Income Ratio
71%
Savings Capacity
Strong
Income Insights
Eligible income and source quality
Eligible Income
₺184,000
Income Sources
Salary 78% / Advisory 15% / Other 7%
Income Regularity
Stable
Income Volatility
Low
Last Income Shock
9 months ago
Spending Behaviour
Compact category and behaviour view
Monthly spend
₺142,000
Trended Expenses+2.8% vs 6-month average
Card IntensityHigh
Cash WithdrawalLow
Travel Spend16%
Risk AversionModerate
Top Spending Categories
Konut & Kira₺38.00027%
Seyahat₺22.70016%
Restoran & Kafe₺19.90014%
Alışveriş₺22.70016%
Market₺17.00012%
Affordability
Current range and savings capacity
Current Disposable Income
₺58,000
Minimum Disposable Income
₺41,000
Maximum Disposable Income
₺74,000
Monthly Savings
₺32,000
Debt to Income Ratio
18%
Affordability Status
Strong
Meaningfulness to the Bank
Products and signal depth already held with the customer
Meaningfulness level
Very High
Day-to-day banking, premium card and long-term savings already sit with the bank.
Transactional Risk Score
780
Risk view
Low risk
Churn score
8/100
EWS score
1
Products with the bank
Vadesiz TL Account
Premium Debit Card
Private Pension
Customer Context
Subtle inference-based signals
Lifestyle habits
Premium dining and travel-active
Life-stage signals
Urban senior professional
Insurance ownership
Private pension + health + travel
Rent / housing
Premium urban residence
Pets / family / travel clues
Travel frequency: High
Open Banking Contribution
How external account visibility improves customer understanding
Strategic advantage
External Income Detected
₺28,000 / month
Additional Account Visibility
2 external accounts
Competitor Card Activity
Premium card
Income Confidence Gain
+22%
Spend Visibility Gain
+18%
External Savings
₺320,000 investment balance
ESG Profile
Environmental, social and governance signals from transaction data
ESG Score
74 / 100
Environmental55
Social88
Governance80
High travel-related emissions are partially offset by consistent social contributions.
Environmental
Travel FrequencyHigh
Flight ActivityFrequent
Estimated Carbon FootprintHigh
Social
Regular DonationsYes
OrganizationTEMA Vakfı
Donation FrequencyMonthly
Social ContributionStrong
Governance
Payment RegularityHigh
Financial DisciplineStrong