Finance & Fintech Event Spec

This page defines the recommended event taxonomy for finance and fintech products — including retail banking, payments, lending, and investment platforms.

🚫

Privacy requirement. Financial products handle highly sensitive personal data. Never send raw PII as event properties. Email addresses and phone numbers must be SHA-256 hashed before tracking. Do not send account numbers, sort codes, card numbers, or national insurance / social security numbers in any form.

All event names use snake_case. Monetary amounts should be sent as numbers (not strings) with a separate currency property using ISO 4217 codes (e.g. 'GBP', 'EUR', 'USD').

Onboarding & KYC

Events covering account creation and identity verification flows.

`account_opened`

A customer has successfully opened a new account.

Property	Type	Required	Description
`account_type`	string	No	Type of account: `'current'`, `'savings'`, `'investment'`, `'business'`
`channel`	string	No	Channel used to open the account: `'web'`, `'mobile'`, `'branch'`

_df.track('account_opened', {
  account_type: 'current',
  channel: 'mobile'
})

`account_closed`

A customer has closed an account.

Property	Type	Required	Description
`account_type`	string	No	Type of account closed
`reason`	string	No	Closure reason code (e.g. `'switching_provider'`, `'no_longer_needed'`)

_df.track('account_closed', {
  account_type: 'savings',
  reason: 'switching_provider'
})

`kyc_started`

A customer has started an identity or compliance verification flow.

Property	Type	Required	Description
`verification_type`	string	No	Type of check: `'identity'`, `'address'`, `'income'`

_df.track('kyc_started', {
  verification_type: 'identity'
})

`kyc_completed`

A KYC verification step has been completed and a result returned.

Property	Type	Required	Description
`verification_type`	string	No	Type of check performed
`outcome`	string	No	Result of the check: `'approved'`, `'pending'`, `'rejected'`

_df.track('kyc_completed', {
  verification_type: 'identity',
  outcome: 'approved'
})

`kyc_failed`

A KYC verification step has failed.

Property	Type	Required	Description
`verification_type`	string	No	Type of check that failed
`failure_reason`	string	No	Reason code for the failure (e.g. `'document_expired'`, `'name_mismatch'`)

⚠️

Do not include failure details that could expose personally identifiable information. Use reason codes rather than free-text descriptions from the verification provider.

_df.track('kyc_failed', {
  verification_type: 'address',
  failure_reason: 'document_unreadable'
})

Authentication

Events covering secure login and access attempts.

`login_attempted`

A user has submitted credentials or initiated a login flow.

Property	Type	Required	Description
`method`	string	No	Authentication method: `'password'`, `'biometric'`, `'sms_otp'`, `'totp'`

_df.track('login_attempted', {
  method: 'biometric'
})

`login_succeeded`

Authentication was successful.

Property	Type	Required	Description
`method`	string	No	Authentication method used

_df.track('login_succeeded', {
  method: 'biometric'
})

`login_failed`

Authentication attempt failed.

Property	Type	Required	Description
`method`	string	No	Authentication method attempted
`failure_reason`	string	No	Reason code (e.g. `'wrong_password'`, `'otp_expired'`, `'account_locked'`)

_df.track('login_failed', {
  method: 'sms_otp',
  failure_reason: 'otp_expired'
})

Transactions

Events covering payment initiation, completion, and failure.

`transaction_initiated`

A financial transaction has been submitted by the customer.

Property	Type	Required	Description
`transaction_type`	string	No	Type of transaction: `'payment'`, `'transfer'`, `'withdrawal'`, `'deposit'`
`amount`	number	No	Transaction amount
`currency`	string	No	ISO 4217 currency code
`channel`	string	No	Originating channel: `'web'`, `'mobile'`, `'api'`

_df.track('transaction_initiated', {
  transaction_type: 'payment',
  amount: 89.50,
  currency: 'GBP',
  channel: 'mobile'
})

`transaction_completed`

A transaction has been processed successfully.

Property	Type	Required	Description
`transaction_id`	string	No	Unique transaction reference
`transaction_type`	string	No	Type of transaction
`amount`	number	No	Transaction amount
`currency`	string	No	ISO 4217 currency code

_df.track('transaction_completed', {
  transaction_id: 'txn_8f3a2b1c',
  transaction_type: 'payment',
  amount: 89.50,
  currency: 'GBP'
})

`transaction_failed`

A transaction could not be processed.

Property	Type	Required	Description
`transaction_type`	string	No	Type of transaction
`amount`	number	No	Attempted amount
`currency`	string	No	ISO 4217 currency code
`failure_reason`	string	No	Reason code (e.g. `'insufficient_funds'`, `'card_declined'`, `'fraud_block'`)

_df.track('transaction_failed', {
  transaction_type: 'payment',
  amount: 350.00,
  currency: 'GBP',
  failure_reason: 'insufficient_funds'
})

`payment_made`

A payment to a merchant or payee has been made.

Property	Type	Required	Description
`payment_id`	string	No	Unique payment reference
`amount`	number	No	Payment amount
`currency`	string	No	ISO 4217 currency code
`payment_method`	string	No	Method used (e.g. `'card'`, `'direct_debit'`, `'open_banking'`)
`merchant_category`	string	No	Merchant category code or label (e.g. `'groceries'`, `'travel'`)

_df.track('payment_made', {
  payment_id: 'pay_9d2c1a3e',
  amount: 24.99,
  currency: 'GBP',
  payment_method: 'card',
  merchant_category: 'groceries'
})

`payment_failed`

A payment attempt failed.

Property	Type	Required	Description
`payment_id`	string	No	Payment reference
`amount`	number	No	Attempted amount
`currency`	string	No	ISO 4217 currency code
`failure_reason`	string	No	Reason code for the failure

_df.track('payment_failed', {
  payment_id: 'pay_4b7e9f0d',
  amount: 199.00,
  currency: 'GBP',
  failure_reason: 'card_declined'
})

`transfer_initiated`

A funds transfer between accounts has been initiated.

Property	Type	Required	Description
`transfer_id`	string	No	Unique transfer reference
`amount`	number	No	Transfer amount
`currency`	string	No	ISO 4217 currency code
`destination_type`	string	No	Destination type: `'internal'`, `'external'`, `'international'`

_df.track('transfer_initiated', {
  transfer_id: 'trf_c3d5e8f2',
  amount: 500.00,
  currency: 'GBP',
  destination_type: 'external'
})

`transfer_completed`

A transfer has settled successfully.

Property	Type	Required	Description
`transfer_id`	string	No	Unique transfer reference
`amount`	number	No	Transferred amount
`currency`	string	No	ISO 4217 currency code

_df.track('transfer_completed', {
  transfer_id: 'trf_c3d5e8f2',
  amount: 500.00,
  currency: 'GBP'
})

Cards & Lending

Events covering card applications and loan lifecycle.

`card_applied`

A customer has submitted an application for a card product.

Property	Type	Required	Description
`card_type`	string	No	Card type: `'credit'`, `'debit'`, `'prepaid'`
`credit_limit_requested`	number	No	Requested credit limit (credit cards only)

_df.track('card_applied', {
  card_type: 'credit',
  credit_limit_requested: 3000
})

`card_approved`

A card application has been approved.

Property	Type	Required	Description
`card_type`	string	No	Card type approved
`credit_limit`	number	No	Approved credit limit

_df.track('card_approved', {
  card_type: 'credit',
  credit_limit: 2500
})

`card_activated`

A card has been activated by the customer.

Property	Type	Required	Description
`card_type`	string	No	Type of card activated
`channel`	string	No	Activation channel: `'app'`, `'web'`, `'ivr'`

_df.track('card_activated', {
  card_type: 'credit',
  channel: 'app'
})

`loan_applied`

A customer has submitted a loan application.

Property	Type	Required	Description
`loan_type`	string	No	Loan type: `'personal'`, `'mortgage'`, `'auto'`, `'business'`
`amount_requested`	number	No	Amount requested
`currency`	string	No	ISO 4217 currency code
`term_months`	number	No	Requested loan term in months

_df.track('loan_applied', {
  loan_type: 'personal',
  amount_requested: 10000,
  currency: 'GBP',
  term_months: 36
})

`loan_approved`

A loan application has been approved.

Property	Type	Required	Description
`loan_type`	string	No	Loan type
`amount_approved`	number	No	Approved loan amount
`currency`	string	No	ISO 4217 currency code
`interest_rate`	number	No	Annual interest rate as a percentage (e.g. `6.9` for 6.9% APR)
`term_months`	number	No	Approved loan term in months

_df.track('loan_approved', {
  loan_type: 'personal',
  amount_approved: 8000,
  currency: 'GBP',
  interest_rate: 6.9,
  term_months: 36
})

`loan_funded`

The approved loan amount has been disbursed to the customer.

Property	Type	Required	Description
`loan_id`	string	No	Unique loan identifier
`amount`	number	No	Disbursed amount
`currency`	string	No	ISO 4217 currency code

_df.track('loan_funded', {
  loan_id: 'loan_7e4a1f2b',
  amount: 8000,
  currency: 'GBP'
})

Account Management

Events covering account self-service and financial management features.

`statement_viewed`

A customer has viewed an account statement.

Property	Type	Required	Description
`account_type`	string	No	Type of account the statement relates to
`period`	string	No	Statement period in `YYYY-MM` format (e.g. `'2026-02'`)

_df.track('statement_viewed', {
  account_type: 'current',
  period: '2026-02'
})

`alert_created`

A customer has set up a balance or activity alert.

Property	Type	Required	Description
`alert_type`	string	No	Alert type: `'low_balance'`, `'large_transaction'`, `'unusual_activity'`
`threshold`	number	No	Amount threshold that triggers the alert

_df.track('alert_created', {
  alert_type: 'low_balance',
  threshold: 100
})

`budget_created`

A customer has created a spending budget for a category.

Property	Type	Required	Description
`budget_id`	string	No	Unique identifier for the budget
`category`	string	No	Spending category (e.g. `'eating_out'`, `'transport'`, `'subscriptions'`)
`amount`	number	No	Budget limit
`currency`	string	No	ISO 4217 currency code

_df.track('budget_created', {
  budget_id: 'bgt_2a3f9c1d',
  category: 'eating_out',
  amount: 200,
  currency: 'GBP'
})

SaaS / B2B Travel & Hospitality