Financial wellness Insights help

The Financial Wellness Insights section highlights patterns that may be worth reviewing first. Insights are based on available connected-account data and are meant to help you decide where to look next.

Insights are educational planning prompts. They are not financial advice, credit advice, underwriting decisions, account alerts from your bank, debt settlement guidance, or guarantees about cash advance eligibility.

Who Can Use Insights

Personalized insights are a Core feature. If insights are locked, Naverica shows that personalized insights require Core access, while manual transactions, budgets, goals, and cash-flow summaries remain available.

If Core access is active but there are no insights yet, Naverica may not have enough recent connected-account activity to show a useful pattern.

How Insights Are Organized

The Insights page is designed as a review queue.

The top summary shows:

• Total: the number of active insights available to review.
• Start here: the number of high-priority insights.

The main panel shows the selected insight. The Other insights list lets you choose a different insight without leaving the page.

Naverica sorts active insights by priority first, then by the most recently generated insight when priorities are the same.

Priority Labels

Insights can show as:

• High priority: review first.
• Medium priority: review soon when you have time.
• Low priority: useful context, but usually less urgent.

Priority is based on the insight rule that created the prompt. A high-priority insight is still only a review prompt. It does not mean Naverica has taken action on your account or made a lending decision.

What An Insight Shows

Each selected insight may include:

• title;
• short summary;
• priority label;
• why the pattern may matter;
• suggested primary action;
• generated date;
• insight type;
• source.

The source may be a specific connected account, multiple connected accounts, or a connected-account data source. If Naverica can match the insight to recent transactions, it may infer the source from those transactions.

Common Insight Types

Insights may include:

• Cash flow: compares posted income and spending over a recent period.
• Recurring expense: points out repeated merchant activity.
• Low balance risk: flags when available balances appear tight compared with recent spending or recurring activity.
• Income cadence: estimates whether deposits appear weekly, every two weeks, monthly, or variable.
• Spending category: highlights the highest spending category in the review period.
• Emergency cushion: estimates how long current connected balances may cover recent spending.
• Action plan: suggests the next review step based on the highest-priority available insight.

These insights depend on posted and available connected data. Pending transactions, missing accounts, stale connections, changed merchant names, manual entries, or delayed provider updates can affect what appears.

Review Button

Select Review to jump to the area most related to the selected insight.

Depending on the insight type, Naverica may open:

• income-plan settings for income timing insights;
• Cash Flow for cash-flow insights;
• Accounts for balance or cushion insights;
• Transactions activity for spending, recurring, or general review prompts.

The Review button does not mark an insight complete and does not change account data. It only helps you navigate to the relevant Financial Wellness section.

Next Button

Select Next to move to the next insight in the queue. When there is only one insight, the button is disabled.

Using Next does not dismiss, complete, or change the current insight.

Dismiss Button

Select Dismiss when an insight is no longer useful or you do not want it in the active queue.

Dismissing an insight:

• removes it from the active Insights queue;
• does not delete your transactions;
• does not change your budget, goals, accounts, or categories;
• does not stop future insights from appearing if later data creates a new pattern.

An insight may also stop appearing later if it expires or is replaced by a newer insight.

Why Insights May Be Missing Or Different

Insights may be missing or change when:

• there is not enough recent connected-account activity;
• Core personalized insights are not available;
• accounts need to be reconnected;
• transactions are still pending;
• a provider updates merchant, amount, or category details;
• you dismiss an insight;
• a newer insight replaces an older one;
• the insight expires.

If a transaction category looks wrong, correct it in Transactions before relying on category-based insights. For transaction details, see Financial wellness transactions help.

How To Use Insights With Other Wellness Tools

Insights are most useful when they send you to another review area:

• Use Cash Flow to compare income, expenses, and net cash flow.
• Use Budget to review monthly categories and check-ins.
• Use Goals to decide whether goal contributions still fit.
• Use Connected accounts if data looks stale or incomplete.

Treat each insight as a prompt to review your own information. You decide what, if anything, to change.

When To Contact Support

Contact in-app support if:

• Core access is active but Insights still shows as locked;
• no insights appear after connected accounts have synced and recent activity is visible;
• the Review button opens the wrong section repeatedly;
• Dismiss does not remove an insight from the active queue;
• an insight references an account or transaction you cannot find;
• stale account data continues to affect insights after reconnecting.

Do not send bank credentials, account numbers, transaction exports, screenshots with private account details, one-time codes, or identity documents by email.