M\&T Bank, serving the northeastern U.S., faced customer uncertainty during the pandemic as people sought better ways to forecast finances. Having partnered with MX in 2019 to launch Money Smart, M\&T expanded the tool with predictive cash flow features that used transaction history to project future balances. This helped customers anticipate negative balances and manage obligations. Engagement rose sharply, with users logging in 50% more and spending three times longer in the tool. Money Smart also boosted profitability by 4% and reduced overdrafts by 2%, strengthening financial wellness and trust during instability.

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