Editor's Note: See Pramod's talk "Transaction Data Enrichment and Alternative Data: An Opportunity for Business Growth and Risk Mitigation" at ODSC West 2019. In a recent financial wellness survey of American adults, 58% of respondents said they did not have the financial freedom to enjoy life. Less than half said they were confident in their ability to absorb an unforeseen financial emergency. Needless to say, Americans have room to grow when it comes to financial wellness. By enriching a consumer's transaction data, banks can demystify data, making it easier for consumers to understand their own spending and saving patterns.