CAP-019 — Monthly spending summary & trends

Category	Insights & intelligence
Business goal	Not yet linked to a business goal
Satisfying module	MOD-039 Customer analytics · MOD-040 Customer health score · MOD-077
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

A monthly summary card showing total spend by category, compared to the previous month and the customer's 6-month rolling average. Computed nightly by the Snowflake analytics layer from posted transaction data. The summary surfaces automatically in the app at month-end and is available on demand.