Transactional Intelligence
Customer Engagement & Risks
Income quality, engagement depth, and early warning signals from transaction datamart
Key readout
Warning score 1/9 · resilient profile
Total Monthly Inflow
₺200,000
Total Monthly Outflow
₺142,000
Net Disposable Income
₺58,000
Income Regularity Index
9.1 / 10
Engagement Score
87 / 100
Warning Score
1 / 9
EWS 1
Income Insights
Structured quality view of monthly inflows
Total Monthly Income
₺200,000
Regular Income
₺155,000
Reliable Income Share
82%
Income Diversity
3 sources
Regularity Index
9.1 / 10
Last Shock
9 months ago
Regular income trend
MayJunJulAugSepOctNov
Income Sources and Distribution
Salary78%
Advisory15%
Other7%
Additional income quality view
Risky IncomeLow
Reliable IncomeHigh
Income FluctuationsLow
Income ShockLow
Early Warning Signals
Compact behavioural monitoring matrix
Indebtedness Warning
LowOverdraft Warning
NoneUnemployment Warning
NoneTrend Warning
LowGambling Warning
NoneRegular Income Warning I
NoneRegular Income Warning II
NoneCollections Warning
NoneEmployment Warning
LowWarning Score
1 / 9
EWS Score
1
Engagement Signals
Digital intensity and main bank behaviour
App Sessions / Month
26 / month
Salary-linked Activity
Strong
Recurring Bill Payments
8 recurring payments
Transaction Frequency
74 / month
Main Bank Score
High
Engagement Status
Strong
Digital activity consistency: Consistent daily usage
Pricing Sensitivity Signal
Promo-led behaviour and external comparison
Promo-led Spend Ratio
14%
Discount Category Usage
Medium-Low
External Comparison
Moderate
Price Sensitive
Moderate
Open Banking Contribution2 linked external accounts Liquidity improving
External flows confirm additional inflow, investment activity and premium card usage outside the bank.