Financial institutions can win and retain customers by building hyper-personalized experiences, which requires turning existing messy transaction data into actionable insights. Customers expect personalized banking experiences that support their financial health, and this expectation is often set by their experiences with media companies, retailers, and technology companies. To deliver real-time personalized insights and offers, financial institutions need to harness their transaction data, clean it up, and use advanced modeling and tools to categorize and inform analytics. This can be achieved through solutions like Plaid Enrich, which cleanses, categorizes, and enriches internal transaction data, providing banks and credit unions with clear, actionable insights that support customer engagement and financial well-being, ultimately leading to lower rates of user churn and increased sales, and annual revenue uplifts of 10%.