XTM Reports Promising Data on its First AI and Gamification Driven In-App Tool

Unlocks the Power of Personal Finance with Customized, Real-Time Financial Insights

XTM, a Miami and Toronto-based Fintech creator of disruptive payment innovations including fully certified Earned Wage Access through its QRails AnyDay product, is pleased to announce the preliminary results of Today Goals. An in app financial planning and insights tool, Today Goals was designed by XTM engineers using artificial intelligence for predictability and gamification to motivate smarter financial decisions.

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“AI and ML technologies mark a significant step forward in our product trajectory and personal finance management. With Today Goals, we are not only transforming the way people interact with their finances but also helping them take control and plan for a secure financial future.”

Since its soft-launch in Q1 2023, opt-in Today Goal members have saved close to $1M with an average saving per member of $981.

As digital transactions continue to rise, each tap of a debit card provides valuable learning. XTM’s extensive data sets, combined with our AI generated real-time insights and an understanding of patterns and habits, predicts future behavior and provides the foundation for Goal setting. Gamification encourages workers to meet goals by inspiring them to stick to their objectives and work more on their terms.

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“Our engineering team did a deep dive into machine learning to support the suggestions of new financial products, services, or merchants that align with members’ spending habits, enabling a truly personalized financial experience,” said Chief Technology Officer, Chad Arthur. “The AI predicts future spending patterns and provides advice on managing balances effectively, helping users plan and avoid potential financial difficulties.”

“The data speaks for itself. We just started and our members’ have already saved almost one m**************,” said Marilyn Schaffer, CEO, XTM. “AI and ML technologies mark a significant step forward in our product trajectory and personal finance management. With Today Goals, we are not only transforming the way people interact with their finances but also helping them take control and plan for a secure financial future.”

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