在我们不可预测的经济格局中，客户正在寻求其金融机构的支持。当金融机构加紧支持客户的财务状况时，这些关系变得更加牢固，但是，金融机构如何弄清每个客户真正需要什么？
Gaining these insights across the customer base requires a financial health measurement strategy. In practice, this often means deciding whether to collect survey data, useexisting administrative data，或依靠两者。
在里面财务健康脉搏project, we merge bank account transaction data with nationally representative survey data to offer some unique insights that survey data or transaction data alone may miss. Here, we consider how institutions can use each data source effectively to measure financial health.
The Forest vs. the Trees
Choosing whether to use survey or administrative data can be a bit like deciding whether to focus on the “forest” or the “trees” of financial health.
调查提供一个有效的捷径“森林”的观点。The eight indicator questions in ourFinHealth Score methodology询问有关支出，储蓄，借贷和计划有效地捕捉消费者行为和观点的信息，但是这种方法仅提供了对日常活动的有限见解。
行政交易数据另一方面，出现客户活动的最精细，最精确的图片，尽管通常仅适用于有限的帐户。如果金融机构可以使用的帐户中的活动无法捕捉到客户财务生活的最重要方面，那么我们“缺少树木的森林”。
例如，客户纯粹用于建立信用的信用卡的数据不会揭示客户是否能够花费小于收入或总体上管理债务 - 这两个重要的财务状况指标。
调查数据可以揭示您可以看到的帐户之外发生的事情。
In Financial Health Pulse research, we observe transaction-level data for financial accounts that survey participants have consented to share with our online platform. However, we don’t know whether someone has provided access to all of the accounts they use regularly until we merge administrative data with survey data. As a result, our ability to measure financial health using administrative data alone is limited, much like a financial institution’s. For some respondents, we’re missing way too many of the individual trees to get a clear picture of the forest.
To illustrate, we compared the number of checking accounts and credit cards that participants linked to our platform with the number that they reported owning on a separate survey. Among those who both participated in the survey and linked at least one account to Pulse, respondents reported roughly the same number of checking accounts as they had linked to the platform.
On the other hand, respondents reported owning far more credit cards than they had linked on average. This suggests that our administrative data give us a more complete view of checking transactions than credit transactions.
如果我们想评估这些参与者的借贷能力和行为，依靠我们可以访问的信用卡数据可能不会有太大帮助，因为我们只看到有关他们拥有的信用卡的一小部分信息。
When you can see the accounts your customers use regularly, administrative transaction-level data offer the most granular method to measure spending and saving behavior.
Limitations of administrative data aside, if you are confident you have enough account data on a customer to put together the “forest” view of their financial activity (or of at least one component of their financial health), administrative data can be an extremely insightful measurement tool.
Detailed survey questions about account balances and patterns in spending are likely to yield inconsistent and imprecise answers – your survey respondents are only human, after all. Surveys also only allow for periodic data collection.
但是，管理帐户数据是连续收集的，并且不依赖于容易出错的自我报告。我们的分析在另一项调查中比较脉冲管理帐户数据与自我报告的交易级别数据，表明，在管理数据中，尤其是在将大多数帐户链接的受访者中捕获了更多的付款。
Another example of the power of administrative data is our research on the impact of2021年支票和储蓄余额的退税和刺激支付实时（图2）。Pulse年度调查数据为我们提供了随着时间的流逝，最完整的财务健康趋势的看法，但是它们无法捕获像行政数据这样的帐户活动中的日常移动。
将不同的数据源用于工作
Consumers are looking to financial institutions to support their financial health. So which approach to financial health measurement can help your organization gain the greatest visibility into customer needs? Our data reveal some insights into the advantages of each:
- Institutions can use both survey and administrative data衡量财务状况并结合两者将产生最深的见解。
- 调查can efficiently produce a holistic assessment of a customer’s financial health，包括他们对财务状况的感觉或思考，但受访者可以准确记住和自我报告的限制。查看我们的Finhealth分数页面有关进行调查的提示。
- 行政数据可以为客户财务的特定领域提供详细的见解，同时还需要更少的步骤来收集数据，而无需客户的积极参与。但是，尽管某些客户可能会在您看到的帐户中几乎进行所有日常财务活动，但其他客户可能只会为您提供一个小窗口。Read our brief有关在公司有效使用管理数据的想法，具体取决于您的独特目标和数据资产。
探索我们的资源
有关我们独特数据资产的更多见解，请查看我们的脉搏点出版物并敬请关注即将出版的出版物。如果您有兴趣探索满足客户需求并补充您的数据资源的测量解决方案，请与我雷电竞下载苹果版们联系info@www.hamroaawaz.com。
对于寻求通过调查来衡量客户财务健康的快速有效方法的企业，财务健康网络的雷竞技最新网址Attune平台可以在短短几天内部署，并为有价值的业务见解提供可定制的仪表板。了解更多信息https://attune.co。
Methodology
Read more about ourtransactional data and methodology here和our脉搏研究在这里。为了将管理数据与调查数据进行分析，我们将脉搏交易数据与亚特兰大联邦储备银行的调查数据合并消费者付款日记，也通过Understanding America Study。
致谢
We partnered with Marco Angrisani at USC and Kevin Foster at Federal Reserve Bank of Atlanta to complete this analysis.
