Here’s the great news: Financial institutions are sitting on a goldmine of data. Now the bad: When it goes unused—as it too often does—it might as well be fool’s gold. Mickey Goldwasser, Vice President of Marketing and Chief of Staff at Payrailz, explains how data-driven insights can help businesses understand consumer behavior. In the end, it’s all about the positive psychology of helping people do things that matter to them while presenting propositions that are relevant to them.