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�۶���Ƶ key4 insights is a feature within the �۶���Ƶ Mobile Banking App that analyses your transactions with a �۶���Ƶ account or card. It prepares trackers so that you can keep an eye on your finances, generates personalized insights into your spending habits and gives tips for saving and investing.

�۶���Ƶ key4 insights helps you keep an eye of your day-to-day finances with trackers. What’s more, it can also help you save more, spot unusual transactions and manage your expenses.

No, �۶���Ƶ key4 insights is free to use in the Mobile Banking App as part of your banking package.

�۶���Ƶ key4 insights analyses only the transactions of your accounts and cards with �۶���Ƶ. This includes past transaction, balance and account information. �۶���Ƶ key4 insights generates insights unique to you.

After logging in to the Mobile Banking App, find the �۶���Ƶ key4 insights widget on the home screen.

You can also select the "Analytics" icon in the top right corner of the home screen – it’s next to the question mark and the speech bubble. 

Finally, you can also see your insights by selecting “More > �۶���Ƶ key4 insights” in the bottom-right corner of your Mobile Banking App.

The CO₂ tracker provides you with insights into your carbon footprint based on your transactions with �۶���Ƶ accounts and cards. �۶���Ƶ is using the methodology developed by Doconomy. For each payment, a merchant category code (MCC) is identified. In turn, each MCC has an emission factor indicating the carbon intensity of a product or server per Swiss franc. By multiplying the emission factor by the transaction amount, we can calculate that transaction’s carbon footprint. Based on your transactions, �۶���Ƶ knows where you shopped, but not the exact products or services you purchased. For this reason, the carbon footprint is only an estimation. You can find more details about carbon footprint in the FAQs.