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What is Power Center?

Power Center is an analytics dashboard that provides advanced insights on products, businesses, and customers. It provides trends across key metrics that can be used to make appropriate and timely business decisions. It also equips the user with the flexibility to slice data across multiple dimensions (provided in the form of filter criteria) such as - date range, product type, etc. All this with the added advantage of intelligent visualisation techniques to make insight gathering easier.

Following are the default set of aspects that are quantified via appropriate metrics and displayed in the Power Center:

  • Real Account Holders i.e. Consumers
    • Growth
  • Channels i.e. Payment
    • Networks
      • Transactions
      • Account holders
      • Onus
  • Overall
    • Highlights

The objective of this document is to serve as a user guide for the Power Center tool. Each of the above-mentioned aspects and associated metrics is covered in detail in the following sections.

Real Account Holders

Real account holders also known as Individual, a Real Account Holder uses the banking products created by fintechs on Fusion. This section contains visualisations of all the metrics that will be helpful to understand the consumer’s behaviour. Metrics related to engagement quotient of existing consumers, growth in terms of users & transactions, and retention in terms of transactions.

Growth

Demographics

This dashboard helps visualise account holders categorised by demographics for a given time period.

  • Account Holder Count By KYC: This graph categorizes the new account holders onboarded based on the KYC mode in the given time period.
  • Age Group Distribution For Account Holders: This graph categorizes the new account holders onboarded based on the age group in the given time period. The different age groups are 18-25, 25-35 and 35-45, 45-55, and 55+.
  • Gender Distribution For Account Holders: This graph categorizes the new account holders onboarded based on gender in the given time period.







Demographics of the account holders can be further assessed at a product level by applying filters to date, bundle, product family, or product. For a detailed description of filters, please refer to the Filters section.

Transactions - A2A

This dashboard helps visualise the account to account transfer trends for a given time period. The following voucher codes are considered for A2A transactions - A2A_P2P_AUTH, A2A_IntraAH_Auth, A2A_P2P_AUTH-AURA-VOID, A2A_P2P_AUTH-REVERSAL, and A2A_IntraAH_Auth-AURA-VOID.

  • Avg Transaction Count Per Account Holder: Refers to the average count of account to account transfers done by the account holders in the given time period. i.e. the sum of A2A amounts divided by total count of account holders.
  • Avg Transaction Amount Per Account Holder: Refers to the average amount of account to account transfers done by the account holders in the given time period. i.e. count of A2A transactions divided by the total count of account holders.





Transactions - Loads

  • Avg Load Amount Per Account Holder: Refers to the average amount loaded into PPI accounts per account holder on a daily basis in the given time period i.e. the sum of A2A credits divided by count of distinct account holders. The following voucher codes are considered are for Loads - A2A_CorpPayout-C2U_AUTH, A2A_CorpPayout-C2U_AUTH-REVERSAL, A2A_CorpPayout-C2U_AUTH-AURA-VOID, A2A_VBOPayout-VBO2U_AUTH, A2A_VBOPayout-VBO2U_AUTH-REVERSAL, A2A_VBOPayout_AUTH-REVERSAL, A2A_VBOPayout-VBO2U_AUTH-AURA-VOID, A2A_VBOPayout-VBO2E_AUTH, and A2A_VBOPayout-VBO2E_AUTH-REVERSAL.


Payment Instruments - Overview

Payment instruments are used by the account holders to make financial transactions. This dashboard helps visualise the payment instruments trends for a given time period.

  • Total Count of Payment Instruments Issued: Refers to the total count of new payment instruments (cards) created and issued to the account holders for a given time period. Payment Instruments Issuance Trend: This graph shows the count of payment instruments (cards) issued to the account holders in the given time period.


Payment Instruments - Status

  • Instrument Status Excluding Active: Refers to the count of all payment instruments in statuses other than active status e.g. blocked, hotlisted etc.
  • Status Reasons: Refers to the reasons for inactive status of the payment instruments.
  • Status Description: Refers to the description of each status.


Payment Instruments - Spends

This dashboard helps visualise the spends made by the account holders using the payment instruments (cards) for a given time period.

  • Total Debit Amount: Refers to the total amount debited from the system using the payment instruments in the given time period.
  • Total Debit Transaction Count: Refers to the total debit transactions made using the payment instruments in the given time period.
  • Avg Spend Amount By Account Holder: Refers to the average amount spent by account holders using payment instruments in the given time period.
  • Avg Spend Count By Account Holder: Refers to the average count of spends by the account holders using payment instruments in the given time period.
  • Avg Spend Amount Per hour: This graph shows the average amount spent using payment instruments across different hours of the day for the given time period.
  • Spend Count Per hour: This graph shows the total count of spends using payment instruments across different hours of the day for the given time period.




Revenue

This dashboard helps visualise the interchange revenue trends of the fintech for a given time period. The following voucher codes are considered for calculating the revenue - ECOM|POS.

  • Interchange Revenue(Est.): Refers to the total revenue earned by Fintech for a given time period. i.e. Estimate of Interchange revenue at 1% of GTV
  • Total GTV: Refers to the total amount of card transaction volume processed in the given time period.
  • Revenue trend: This graph shows the interchange revenue trend for the given time period.


This can be further assessed at a product level by applying filters to date, bundle, bin, transaction type or network. For a detailed description of filters, please refer to the 5.Filters section.

Channels

Channels refer to the different networks within which payments can be made. Networks can be broadly classified into the semi-closed loop and open loop networks. A semi-closed loop network is called OnUs in the Power Center, and an open-loop network can be further classified as Rupay or Mastercard, depending on the payment scheme used for a given country.

Network

Transactions

Spends

Spends refer to the transactions conducted by the consumers towards any merchant. The following voucher codes are considered for Transactions - RUPAY|MASTERCARD|CHNL.

  • Total Spend Count: Refers to the total volume of spends made by the consumers towards any merchant in the given time period
  • Total Spend Amount: Refers to the total amount spent by the consumers towards any merchant in the given time period
  • Average Spend Amount: Refers to the average amount of spend made by the consumers towards any merchant in the given time period
  • Spends by City: This table shows the total volume, total amount and spend average of transactions conducted by a consumer categorised as per merchant’s city, for a given period of time.
  • Spends by Merchant: This graph shows the total volume, total amount and spend average of transactions conducted by a consumer categorised as per merchant’s name, for a given period of time.




Account Holders

Users

The following voucher codes are considered for Users - RUPAY|MASTERCARD|CHNL.

  • DAU: Number of users who have been subject to either credit or debit transaction on the given day.
  • WAU: Number of users who have been subject to either credit or debit transaction in the last 7 days.
  • MAU: Number of users who have been subject to either credit or debit transaction in the last 30 days.
  • Average Spend Amount Per Account Holder: Refers to the average amount of spends made by a consumer in the given time period.
  • Average Spend Count Per Account Holder: Refers to the average count of spends made by a consumer towards any merchant in the given time period.




Onus

Transactions

Spends

Spends refer to the transactions conducted by the consumers towards any Onus merchant. The following voucher code is considered for Transactions - ‘ATLAS’.

  • Total Spend Count: Refers to the total volume of spends made by the consumers towards any Onus merchant in the given time period
  • Total Spend Amount: Refers to the total amount spent by the consumers towards any Onus merchant in the given time period
  • Average Spend Amount: Refers to the average amount of spend made by the consumers towards any Onus merchant in the given time period
  • Spends by City: This table shows the total volume, total amount and spend average of transactions conducted by a consumer categorised as per Onus merchant’s city, for a given period of time.
  • Spends by Merchant: This graph shows the total volume, total amount and spend average of transactions conducted by a consumer categorised as per Onus merchant’s name, for a given period of time.


Account Holders

Users

The following voucher code is considered for Users - ‘ATLAS’.

  • DAU: Number of users who have been subject to either credit or debit transaction towards any onus merchant on the given day
  • WAU: Number of users who have been subject to either credit or debit transaction towards any onus merchant in the last 7 days
  • MAU: Number of users who have been subject to either credit or debit transaction towards any onus merchant in the last 30 days
  • Average Spend Amount Per Account Holder: Refers to the average amount of spends made by a consumer towards any Onus merchant in the given time period.
  • Average Spend Count Per Account Holder: Refers to the average count of spends made by a consumer towards any Onus merchant in the given time period.




For a detailed description of filters, please refer to the Filters section.

Overall

Highlights

Funding

  • Account Holder Funding: This graph shows the total load by the fintech vs spend by the account holders in the given time period. The following voucher codes are considered for Loads - A2A_CorpPayout-C2U_AUTH, A2A_CorpPayout-C2U_AUTH-REVERSAL, A2A_CorpPayout-C2U_AUTH-AURA-VOID, A2A_VBOPayout-VBO2U_AUTH, A2A_VBOPayout-VBO2U_AUTH-REVERSAL, A2A_VBOPayout_AUTH-REVERSAL, A2A_VBOPayout-VBO2U_AUTH-AURA-VOID, A2A_VBOPayout-VBO2E_AUTH, and A2A_VBOPayout-VBO2E_AUTH-REVERSAL.
  • Credit: Refers to the total count of credits to the account holders in the given time period.
  • Debits: Refers to the total count of debits by the account holders in the given time period. The following voucher codes are considered for Spends - RUPAY|MASTERCARD|CHNL|AMERICANEXPRESS|ATLAS|ATM|UPI.


Accounts

  • Total Accounts: Refers to the total count of accounts created in the given time period.
  • New Accounts: This graph shows the new accounts creation trend in the given time period.


Payment Instruments

  • Total Payment Instruments: Refers to the total count of payment instruments created in the given time period.
  • New Payment Instruments: This graph shows the payment instruments creation trend in the given time period.


For a detailed description of filters, please refer to the Filters section.

Filters

Filters help in dissecting data across various dimensions. Filters also help in focussing along one dimension or making a graph more readable. In Power Center, there are two types of filters:

  • Dashboard level filters: These are the filters that are presented as dropdowns on each dashboard. A user can choose appropriate values in each of these dropdowns. A combination of all the chosen values is considered to render graphs with appropriate data. It is to be noted that all the graphs present in the particular dashboard will only be effected with the select filter criteria. Filter criteria selected on one dashboard has no effect on the graphs displayed on another dashboard. These filters can be used to focus on a dimension such as product type, city, channel type, etc.


  • Graph level filters: These are the filters that are presented as legends in each graph. A user can toggle-click on each of these legend values in order to hide or unhide a given line/bar representation from a given graph. These filters can be used to improve readability of the graphs.


Following is the exhaustive list of all dimensions/filters presented as part of dashboard level filters:

  • Date: This filter can be used to set a date range for which the graphs of a given dashboard shall be rendered.
  • Bundle: The bundle is just a collection of Financial Products. There are 2 types of products that are currently supported by Fusion - Account Products and Payment Products
  • Product Family: A product family is a construct that defines terms expected to be applicable for a class of products. Each of the classes of products belongs to a product family and inherit all terms from the family. A product family is envisaged to encapsulate common policies across the class of products and are meant to be used by the compliance, branding and operations to define the designated and non-negotiable characteristics of the products within the family. Example: GPR (General Purpose Reloadable), gift, etc.
  • Product: A product is a commercial packaging of artifacts of a specific type to be provisioned by a Fintech. Artifacts come into existence through a product and their behaviour is governed by the product policies. A product works within the confines of a product family and is intended to target a subset of potential customers with an appropriate packaging of features of the artifact for that target group. Example: GPR_MIN_KYC etc.
  • Network: This filter specifies the network provider. For example Rupay, Mastercard.
  • Bin: This filter specifies the bin range of cards issued.
  • Record Type: The record type specifies whether the transaction is credit or debit.
  • Transaction Type: This filter specifies the type of transaction. For example Ecom, Pos.
  • Merchant: This filter categorizes the data by different merchants.
Voucher Code Description
A2A_P2P_AUTH P2P to registered beneficiary
A2A_P2P_AUTH-REVERSAL Reversal of P2P to registered beneficiary
A2A_P2P_AUTH-AURA-VOID
A2A_IntraAH_Auth Adding money from parent to child account
A2A_IntraAH_Auth-AURA-VOID
A2A_CorpPayout-C2U_AUTH Payout of funds
A2A_CorpPayout-C2U_AUTH-REVERSAL Reversal of payouts to users
A2A_CorpPayout-C2U_AUTH-AURA-VOID Reversal of payouts to users-Corp
A2A_VBOPayout-VBO2U_AUTH Adding money to users from funding account
A2A_VBOPayout-VBO2U_AUTH-REVERSAL Fintech reversal of funds
A2A_VBOPayout-VBO2U_AUTH-AURA-VOID
A2A_VBOPayout_AUTH-REVERSAL Revoking money from users
A2A_VBOPayout-VBO2E_AUTH- Fund movement from Fintech to escrow account incase of user’s KYC limit breach
A2A_VBOPayout-VBO2E_AUTH-REVERSAL Reversal of money from escrow to fintech accoun
ATLAS Merchant payments