One schema for how financial products actually get used.
Generic analytics tools treat a funded loan like a checkout, and a KYC check like a form abandon. Lucid Analytics maps your events to account types, verification states, and transaction categories from day one.
Retention by signup cohort, not one blended curve.
Each row is a monthly signup cohort for Northfield Digital Bank's checking product. Newer cohorts haven't reached every window yet — we show exactly what's known and leave the rest blank, never estimated.
| Cohort | Week 0 | Week 1 | Week 2 | Week 4 | Week 8 | Week 12 |
|---|---|---|---|---|---|---|
| Jan 2026 | 100% | 71% | 64% | 55% | 49% | 44% |
| Feb 2026 | 100% | 69% | 61% | 53% | 47% | 42% |
| Mar 2026 | 100% | 73% | 66% | 58% | 52% | 47% |
| Apr 2026 | 100% | 75% | 68% | 60% | 54% | — |
A funnel that ends where the business actually cares.
Personal loan applications, Northfield Digital Bank, last 30 days — from application start to an active borrower.
Engagement, split by the product it's actually attached to.
A checking account and a personal loan don't get used the same way — segmenting by account type instead of averaging across them is usually where the first real insight shows up.
| Account type | Accounts tracked | 30-day active | 90-day retention |
|---|---|---|---|
| Checking | 812,400 | 61% | 47% |
| Savings | 340,900 | 38% | 52% |
| Credit card | 265,700 | 74% | 58% |
| Personal loan | 98,300 | 29% | 66% |
Built to sit next to a core banking stack, not a website.
Stream events from Segment, Kafka, a nightly warehouse export, or directly from your core banking or loan origination system. Our implementation team maps your raw events to account types, KYC states, and transaction categories before anything reaches a dashboard.