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Account dashboard & insight feed
ID MOD-077
System SD08
Repo bank-app
Build status Deployed
Deployed Yes
Last commit c98d4214fd3e613d6a3c873f68551d129ff1a485

The account dashboard and insight feed is the home screen of the customer app — the first thing a customer sees on every open. It aggregates and presents the customer's complete financial picture: all account balances, accrued interest, a 14-day predicted cash flow view, and spending trends for the current period. The data is pre-computed by the analytics and risk platform modules (MOD-039, MOD-040, MOD-041) and read on load — no live analytical query runs when the customer opens the app.

The insight card section surfaces contextual signals derived from the customer's account behaviour: idle cash sitting below its potential yield, a pre-approved credit offer based on the latest eligibility score, an unusual spend pattern worth reviewing, or an FX rate signal if the customer holds multiple currencies. Each card includes a one-tap action — move to savings, check loan terms, review the transaction, initiate a transfer. The cards are ranked by relevance score from the analytics layer and refresh within 60 seconds of a qualifying event (a large transaction, a rate change, a new pre-approval result).

Balance visibility is real time: the dashboard reads from the live balance engine (MOD-003), so the balance shown is always post-settlement. Net worth includes linked external accounts (consented via CDR) alongside internal accounts, giving customers a single number for their full financial position across institutions.

Module dependencies

Depends on

Module Title Required? Contract Reason
MOD-003 Real-time balance engine Required — Dashboard displays real-time balances sourced from the live balance engine.
MOD-039 Customer risk score model Optional — Insight cards on the dashboard are pre-computed by the customer risk score and analytics model.
MOD-040 Churn & health score engine Optional — Customer health score (FR-371) is used to personalise the insight feed ranking; stub returns {is_available:false} until MOD-040 is deployed — feed degrades to local signal ranking only.
MOD-041 Categorisation & merchant enrichment model Optional — Spending categories consumed indirectly via MOD-070's app.transaction_view enrichment; MOD-041 must be deployed for category_l1/l2/l3 to be populated in that projection.
MOD-068 Authentication & session management Required — All dashboard routes are authenticated via the Cognito JWT authoriser provisioned by MOD-068; party_id and jurisdiction are resolved from JWT claims.
MOD-070 Transaction history & search Required — app.transaction_view (owned by MOD-070) is the source for spending category totals and recurring-transaction detection; MOD-070 must be deployed before this module can serve category or cash-flow data.
MOD-049 Open banking consent management Optional — app.consents cross-schema read is used in v2 to gate CDR-linked external account display; not required for v1 internal-account-only net worth view.
MOD-104 AWS shared infrastructure bootstrap Required — AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103 Neon database platform bootstrap Required — Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Required by

(No modules in this wiki currently declare a dependency on this module.)

Policies satisfied

Policy Title Mode How
CON-005 Fee & Pricing Transparency Policy AUTO Displays account balances, accrued interest, and fee information accurately and in real time — the dashboard is the customer's primary source of financial truth.

Capabilities satisfied

Capability Title Mode How
CAP-019 Monthly spending summary & trends AUTO Renders the pre-computed spending category breakdown and trend chart on the home screen, refreshing within 60 seconds of a qualifying transaction.
CAP-020 Predicted upcoming payments AUTO Displays predicted upcoming payments (direct debits, subscriptions, scheduled transfers) derived from historical patterns, giving the customer a 14-day cash flow view.
CAP-021 Low balance alert ALERT Surfaces a low-balance warning card on the home screen and routes the push alert from the notification module to an actionable in-app banner.
CAP-023 Net worth dashboard (linked external accounts) AUTO Aggregates balances across all own and linked external accounts and renders a net worth total with product-level breakdown on the home screen.
CAP-063 Proactive financial insight engine AUTO Reads pre-computed insight signals (idle cash, pre-approval offers, spend anomalies, FX alerts) from the analytics layer and renders them as one-tap insight cards.

Part of SD08 — Customer App & Back Office Platform Compiled 2026-05-22 from source/entities/modules/MOD-077.yaml