Quick answer: Financial Pulse is based on 90 days of recognised transaction activity in your connected bank accounts, combining five vitals: spending pace, cash buffer, income steadiness, short-term debt and bounce-back.
Financial Pulse is based on 90 days of recognised transaction activity across the bank accounts you've connected in the Beforepay app.
What are the five vitals in Financial Pulse?
Spending pace — how your spending is spread across your income cycle, rather than clustered right after you get paid
Cash buffer — how your available balance sits against your usual expenses, so you can see how much breathing room you tend to have
Income steadiness — how consistently money has been coming in over the last 90 days
Short-term debt — how much short-term borrowing you're currently carrying
Bounce-back — how quickly your balance gets back on its feet after a large expense, useful if you want to see exactly what's shaping your overall picture
How does my overall Financial Pulse come together?
These five vitals combine into your overall Financial Pulse, which reads somewhere between Starting, Building, Steady, Strong and Excellent. Because it's based on your last 90 days, it's a rolling picture, not a fixed score, and it'll move as your activity does.
Does connecting more than one bank account change my Financial Pulse?
Connecting more than one account can give a fuller picture of your finances. For example, if you only connect one account but your income or spending flows through another, your Financial Pulse may not reflect your full financial position.