# Research Net worth forecast, user segmentation
# data points

| Data field | Description |
| --- | --- |
| Financial Goals related |
| past\_completed\_cnt | number of completed goals with due date already pass today |
| past\_completed\_domin\_cate | dominant category completed goals with due date already pass today |
| past\_completed\_domin\_amount | sum of goal target amount of past\_completed\_domin\_cate |
| part\_completed\_consumer\_cnt | number of completed consumer goals with due date already pass today |
| past\_completed\_saving\_cnt | number of completed saving goals with due date already pass today |
| past\_completed\_consumer\_sum | Sum of goal target amount of completed consumer goals with due date already pass today |
| part\_completed\_saving\_sum | Sum of goal target amount of completed saving goals with due date already pass today |
| past\_failed\_cnt | number of failed goals with due date already pass today |
| past\_failed\_domin\_cate | dominant category failed goals with due date already pass today |
| past\_failed\_domin\_amount | sum of goal target amount of past\_failed \_domin\_cate |
| past\_failed\_consumer\_cnt | number of failed consumer goals with due date already pass today |
| past\_failed\_consumer\_sum | Sum of goal target amount of failed consumer goals with due date already pass today |
| past\_failed\_saving\_cnt | number of failed saving goals with due date already pass today |
| past\_failed\_saving\_sum | Sum of goal target amount of failed saving goals with due date already pass today |
| future\_in\_progress\_cnt | number of in progress goals with due date in the future |
| future\_in\_progress\_domin\_cate | dominant category in progress goals with due date in the future |
| future\_in\_progress\_domin\_amount | sum of goal target amount of future\_in\_progress \_domin\_cate |
| future\_in\_progress\_consumer\_cnt | number of in progress consumer goals with due date in the future |
| future\_in\_progress\_consumer\_sum | Sum of goal target amount of in progress consumer goals with due date in the future |
| future\_in\_progress\_saving\_cnt | number of in progress saving goals with due date in the future |
| future\_in\_progress\_saving\_sum | Sum of goal target amount of in progress saving goals with due date in the future |
| future\_completed\_cnt | number of completed goals with due date in the future |
| future\_completed\_domin\_cate | dominant category completed goals with due date in the future |
| future\_completed\_domin\_amount | sum of goal target amount of future\_ completed \_domin\_cate |
| future\_completed\_consumer\_cnt | number of completed consumer goals with due date in the future |
| future\_completed\_consumer\_sum | Sum of goal target amount of completed consumer goals with due date in the future |
| future\_completed\_saving\_cnt | number of completedsaving goals with due date in the future |
| future\_completed\_saving\_sum | Sum of goal target amount of completedsaving goals with due date in the future |
| Expenses |
| net\_outflow | Sum of expenditures |
| top1\_spending | Percentage in the category the users spend most on |
| top2\_spending | Percentage in the category the users spend second most on |
| top3\_spending | Percentage in the category the users spend third most on |
| dining\_&\_beverage\_weekly\_num | Number of transactions spent on Dining & Beverage weekly |
| dining\_&\_beverage\_weekly\_amount | Amount of transactions spent on Dining & Beverage weekly |
| dining\_&\_beverage\_monthly\_num | Number of transactions spent on Dining & Beverage monthly |
| dining\_&\_beverage\_monthly\_amount | Amount of transactions spent on Dining & Beverage monthly |
| financials\_weekly\_num | Number of transactions spent on Financials weekly |
| financials\_monthly\_amount | Amount of transactions spent on Financials monthly |
| financials\_outflow | Sum of transactions spent on Financials overall (past 1 year) |
| healthcare\_weekly\_num | Amount of transactions spent on Healthcare weekly |
| healthcare\_weekly\_amount | Number of transactions spent on Healthcare monthly |
| healthcare\_monthly\_num | Amount of transactions spent on Healthcare monthly |
| healthcare\_monthly\_amount | Number of transactions spent on Healthcare weekly |
| healthcare\_outflow | Sum of transactions spent on Healthcare overall (past 1 year) |
| home\_weekly\_num | Amount of transactions spent on Home weekly |
| home\_weekly\_amount | Number of transactions spent on Home monthly |
| home\_monthly\_num | Amount of transactions spent on Home monthly |
| home\_monthly\_amount | Number of transactions spent on Home weekly |
| home\_outflow | Sum of transactions spent on Home overall (past 1 year) |
| leisure\_weekly\_num | Amount of transactions spent on Leisure weekly |
| leisure\_weekly\_amount | Number of transactions spent on Leisure monthly |
| leisure\_monthly\_num | Amount of transactions spent on Leisure monthly |
| leisure\_monthly\_amount | Number of transactions spent on Leisure weekly |
| leisure\_outflow | Sum of transactions spent on Leisure overall (past 1 year) |
| others\_weekly\_num | Amount of transactions spent on Others weekly |
| others\_weekly\_amount | Number of transactions spent on Others monthly |
| others\_monthly\_num | Amount of transactions spent on Others monthly |
| others\_monthly\_amount | Number of transactions spent on Others weekly |
| others\_outflow | Sum of transactions spent on Others overall (past 1 year) |
| shopping\_weekly\_num | Amount of transactions spent on Shopping weekly |
| shopping\_weekly\_amount | Number of transactions spent on Shopping monthly |
| shopping\_monthly\_num | Amount of transactions spent on Shopping monthly |
| shopping\_monthly\_amount | Number of transactions spent on Shopping weekly |
| shopping\_outflow | Sum of transactions spent on Shopping overall (past 1 year) |
| transportation\_weekly\_num | Amount of transactions spent on Transportation weekly |
| transportation\_ weekly \_amount | Number of transactions spent on Transportation monthly |
| transportation\_monthly\_num | Amount of transactions spent on Transportation monthly |
| transportation\_monthly\_amount | Number of transactions spent on Transportation weekly |
| transportation\_outflow | Sum of transactions spent on Transportation overall (past 1 year) |
| net\_outflow\_no | Net expenditures without anomaly |
| top1\_spending\_no | Percentage in top expenditure category among all expenditures without anomaly |
| top2\_spending\_no | Percentage in second top expenditure category among all expenditures without anomaly |
| top3\_spending\_no | Percentage in third top expenditure category among all expenditures without anomaly |
| dining\_&\_beverage\_weekly\_ amount \_no | Amount of transactions spent on Dining & Beverage weekly without anomaly |
| dining\_&\_beverage\_weekly\_num\_no | Number of transactions spent on Dining & Beverage monthly without anomaly |
| dining\_&\_beverage\_monthly\_ amount \_no | Amount of transactions spent on Dining & Beverage monthly without anomaly |
| dining\_&\_beverage\_monthly\_ num \_no | Number of transactions spent on Dining & Beverage weekly without anomaly |
| dining\_&\_beverage\_outflow\_no | Sum of transactions spent on Dining & Beverage overall (past 1 year) without anomaly |
| financials\_weekly\_amount\_no | Amount of transactions spent on Financials weekly without anomaly |
| financials\_weekly\_num\_no | Number of transactions spent on Financials monthly without anomaly |
| financials\_ monthly \_amount\_no | Amount of transactions spent on Financials monthly without anomaly |
| financials\_monthly\_num\_no | Number of transactions spent on Financials weekly without anomaly |
| financials\_outflow\_no | Sum of transactions spent on Financials overall (past 1 year) without anomaly |
| healthcare\_weekly\_num\_no | Number of transactions spent on Healthcare weekly without anomaly |
| healthcare\_weekly\_amount\_no | Amount of transactions spent on Healthcare monthly without anomaly |
| healthcare\_monthly\_num\_no | Number of transactions spent on Healthcare monthly without anomaly |
| healthcare\_monthly\_amount\_no | Amount of transactions spent on Healthcare weekly without anomaly |
| healthcare\_outflow\_no | Sum of transactions spent on Healthcare overall (past 1 year) without anomaly |
| home\_weekly\_num\_no | Number of transactions spent on Home weekly without anomaly |
| home\_weekly\_amount\_no | Amount of transactions spent on Home monthly without anomaly |
| home\_monthly\_num\_no | Number of transactions spent on Home monthly without anomaly |
| home\_monthly\_amount\_no | Amount of transactions spent on Home weekly without anomaly |
| home\_outflow\_no | Sum of transactions spent on Home overall (past 1 year) without anomaly |
| leisure\_weekly\_num\_no | Number of transactions spent on Leisure weekly without anomaly |
| leisure\_weekly\_amount\_no | Amount of transactions spent on Leisure monthly without anomaly |
| leisure\_monthly\_num\_no | Number of transactions spent on Leisure monthly without anomaly |
| leisure\_monthly\_amount\_no | Amount of transactions spent on Leisure weekly without anomaly |
| leisure\_outflow\_no | Sum of transactions spent on Leisure overall (past 1 year) without anomaly |
| others\_weekly\_num\_no | Number of transactions spent on Others weekly without anomaly |
| others\_weekly\_amount\_no | Amount of transactions spent on Others monthly without anomaly |
| others\_monthly\_num\_no | Number of transactions spent on Others monthly without anomaly |
| others\_monthly\_amount\_no | Amount of transactions spent on Others weekly without anomaly |
| others\_outflow\_no | Sum of transactions spent on Others overall (past 1 year) without anomaly |
| shopping\_weekly\_num\_no | Number of transactions spent on Shopping weekly without anomaly |
| shopping\_weekly\_amount\_no | Amount of transactions spent on Shopping monthly without anomaly |
| shopping\_monthly\_num\_no | Number of transactions spent on Shopping monthly without anomaly |
| shopping\_monthly\_amount\_no | Amount of transactions spent on Shopping weekly without anomaly |
| shopping\_outflow\_no | Sum of transactions spent on Shopping overall (past 1 year) without anomaly |
| transportation\_weekly\_num\_no | Number of transactions spent on Transportation weekly without anomaly |
| transportation\_weekly\_amount\_no | Amount of transactions spent on Transportation monthly without anomaly |
| transportation\_monthly\_num\_no | Number of transactions spent on Transportation monthly without anomaly |
| transportation\_monthly\_amount\_no | Amount of transactions spent on Transportation weekly without anomaly |
| transportation\_outflow\_no | Sum of transactions spent on Transportation overall (past 1 year) without anomaly |
| Income |
| net\_inflow | Net income |
| Financials Account |
| investment\_balances | Net balance of investment accounts |
| investment\_cnt | Number of investment accounts |
| others\_balances | Net balance of other kinds of financial accounts |
| others\_cnt | Number of other kinds of financials accounts |
| insurance\_balances | Net balance of insurance accounts |
| insurance\_cnt | Number of insurance accounts |
| credit\_card\_balances | Net balance of credit card accounts |
| credit\_card\_cnt | Number of credit card accounts |
| cash\_account\_balances | Net balance of cash accounts |
| cash\_account\_cnt | Number of cash accounts |
| account\_balances | Net balance of financials accounts |
| account\_cnt | Number of financials accounts |

# sample data on database

Transaction
| created\_at | mode | status | currency\_code | transaction\_id | account\_id | areix\_category | account\_name | updated\_at | made\_on | category | amount | provider\_name | description | country\_code | psid |
| -------------------- | -------- | ------ | -------------- | ------------------ | ------------------ | --------------- | ------------------- | -------------------- | ---------- | -------- | ------- | ------------------------- | ------------ | ------------- | --------------- |
| 2021-03-24T11:19:30Z | transfer | posted | HKD | 444978699134044388 | 444978698983049442 | Financials | HKD Savings Account | 2021-03-24T11:19:30Z | 2021-01-27 | transfer | \-406.5 | Bank of AREIX (Hong Kong) | POS Transfer | HK | AREIX\_AI\_Demo |

Financial Account
| created\_at | currency\_code | account\_id | account\_name | updated\_at | provider\_name | country\_code | psid | available\_amount | nature | balance\_by\_day | subtype | name | balance | display\_type | connection\_id | type |
| -------------------- | -------------- | ------------------ | ------------------- | -------------------- | ------------------------- | ------------- | --------------- | ----------------- | ------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------- | ------------------ | --------- | -------------- | ------------------ | ----- |
| 2021-03-24T11:19:30Z | HKD | 444978698983049442 | HKD Savings Account | 2021-05-08T19:00:00Z | Bank of AREIX (Hong Kong) | HK | AREIX\_AI\_Demo | 123221.26 | savings | {  '2021-03-14': 149476.26, '2021-03-13': 149476.26, '2021-03-12': 154476.26, '2021-03-11': 164608.92, '2021-03-10': 164608.92, '2021-03-09': 164608.92, '2021-03-08': 164608.92, '2021-03-07': 164608.92, '2021-03-06': 167202.92} | liquid\_asset | 012-889-1-109654-4 | 123221.26 | Saving Account | 444977703473384119 | asset |

Financial Goals
| created\_at | status | updated\_at | category | amount | psid | currency | budget | budget\_cut\_weekly | goal\_id | wealth\_growth | monthly\_max\_saving | budget\_daily | feasible | budget\_monthly | saved\_amount | diff2target | completion\_rate | monthly\_min\_expense | budget\_cut\_monthly | due\_date | difficulty\_idx | delta | start\_date | monthly\_avg\_income | budget\_cut\_daily | budget\_weekly | current\_goal\_budget\_cut\_by\_day | snapshot | goal\_name | remarks | check |
| ------------------- | --------- | ----------- | -------- | ------ | --------------- | -------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------- | ----------- | -------------- | -------------------- | ------------- | -------- | --------------- | ------------- | ----------- | ---------------- | --------------------- | -------------------- | ------------------- | --------------- | ----- | ------------------- | -------------------- | ------------------ | -------------- | ----------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------- | ------- | ----- |
| 2021-04-22 19:31:45 | Completed | 2021-05-01 | Savings | 1000 | AREIX\_AI\_Demo | HKD | {'Others': {'budget\_weekly': 378.73372914966995, 'weight': 0.4802072143506722, 'budget\_monthly': 1623.1445534985855, 'budget\_daily': 54.10481844995285}, 'Leisure': {'budget\_weekly': 32.31767943450353, 'weight': 0.04541306441345394, 'budget\_monthly': 138.50434043358655, 'budget\_daily': 4.616811347786219}, 'Transportation': {'budget\_weekly': 22.032136550185193, 'weight': 0.0320744383453325, 'budget\_monthly': 94.42344235793655, 'budget\_daily': 3.147448078597885}, 'Financials': {'budget\_weekly': 500.83194554119746, 'weight': 0.3501058880071463, 'budget\_monthly': 2146.422623747989, 'budget\_daily': 71.54742079159963}, 'Dining & Beverage': {'budget\_weekly': 51.508580110289955, 'weight': 0.047137883660330365, 'budget\_monthly': 220.7510576155284, 'budget\_daily': 7.358368587184279}, 'Healthcare': {'budget\_weekly': 16.509947267909656, 'weight': 0.0022310196434870396, 'budget\_monthly': 70.75691686246995, 'budget\_daily': 2.358563895415665}, 'Shopping': {'budget\_weekly': 125.78989445522792, 'weight': 0.04023275317929188, 'budget\_monthly': 539.0995476652625, 'budget\_daily': 17.969984922175417}, 'Home': {'budget\_weekly': 2.0163535538962862, 'weight': 0.0025977384002859195, 'budget\_monthly': 8.641515230984083, 'budget\_daily': 0.28805050769946944}} | 5.64 | 20190426428 | 0.00478607 | 5000 | 161.391467 | TRUE | 4841.744 | 1000 | 0 | 1 | 185.115 | 552.857143 | 2021-04-30 00:00:00 | 1 | 4 | 2021-03-25 00:00:00 | 2225.25 | 18.4285714 | 1129.74027 | 390.225 | {'monthly': {'budget\_monthly': 1672.3928571428573, 'budget\_cut\_monthly': 552.8571428571428, 'monthly\_min\_expense': 185.115, 'current\_goal\_budget\_cut\_by\_day': 18.428571428571427, 'budget\_weekly': 390.2250000000001, 'monthly\_max\_saving': 2040.135, 'difficulty\_idx': 2.0, 'budget\_daily': 55.74642857142858, 'budget\_cut\_daily': 18.428571428571427, 'monthly\_avg\_income': 2225.25, 'budget': {'Others': {'budget\_weekly': 209.25282132432923, 'weight': 0.7083926031294453, 'budget\_monthly': 896.7978056756967, 'budget\_daily': 29.893260189189892}, 'Leisure': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Transportation': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Financials': {'budget\_weekly': 180.97217867567073, 'weight': 0.2916073968705548, 'budget\_monthly': 775.5950514671603, 'budget\_daily': 25.853168382238675}, 'Dining & Beverage': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Healthcare': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Shopping': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Home': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}}, 'budget\_cut\_weekly': 129.0}, 'quarterly': {'budget\_monthly': 1672.3928571428573, 'budget\_cut\_monthly': 552.8571428571428, 'monthly\_min\_expense': 185.115, 'current\_goal\_budget\_cut\_by\_day': 18.428571428571427, 'budget\_weekly': 390.2250000000001, 'monthly\_max\_saving': 2040.135, 'difficulty\_idx': 2.0, 'budget\_daily': 55.74642857142858, 'budget\_cut\_daily': 18.428571428571427, 'monthly\_avg\_income': 2225.25, 'budget': {'Others': {'budget\_weekly': 209.25282132432923, 'weight': 0.7083926031294453, 'budget\_monthly': 896.7978056756967, 'budget\_daily': 29.893260189189892}, 'Leisure': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Transportation': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Financials': {'budget\_weekly': 180.97217867567073, 'weight': 0.2916073968705548, 'budget\_monthly': 775.5950514671603, 'budget\_daily': 25.853168382238675}, 'Dining & Beverage': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Healthcare': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Shopping': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Home': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}}, 'budget\_cut\_weekly': 129.0}, 'weekly': {'budget\_monthly': 1672.3928571428573, 'budget\_cut\_monthly': 552.8571428571428, 'monthly\_min\_expense': 185.115, 'current\_goal\_budget\_cut\_by\_day': 18.428571428571427, 'budget\_weekly': 390.2250000000001, 'monthly\_max\_saving': 2040.135, 'difficulty\_idx': 2.0, 'budget\_daily': 55.74642857142858, 'budget\_cut\_daily': 18.428571428571427, 'monthly\_avg\_income': 2225.25, 'budget': {'Others': {'budget\_weekly': 209.25282132432923, 'weight': 0.7083926031294453, 'budget\_monthly': 896.7978056756967, 'budget\_daily': 29.893260189189892}, 'Leisure': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Transportation': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Financials': {'budget\_weekly': 180.97217867567073, 'weight': 0.2916073968705548, 'budget\_monthly': 775.5950514671603, 'budget\_daily': 25.853168382238675}, 'Dining & Beverage': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Healthcare': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Shopping': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}, 'Home': {'budget\_weekly': 0.0, 'weight': 0.0, 'budget\_monthly': 0.0, 'budget\_daily': 0.0}}, 'budget\_cut\_weekly': 129.0}} | Regular Savings | |

# K-means clustering using data points mentioned on the top
visualise using PCA to reduce the dimension to 2D