Real ChatGPT answer · index seedO0A1iSXQGvUcompleteFinance and banking · checking and savings accountscommercial
How effective are mobile banking low balance alerts in preventing ACH return items and subsequent non-sufficient funds fees?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How effective are mobile banking low balance alerts in preventing ACH return items and subsequent non-sufficient funds fees?
3 real searches · 1 real-search pass
mobile banking low balance alerts effectiveness overdraft NSF fees ACH returns empirical study alerts consumer financeGoogle ↗
OBSERVEDReason
CFPB low balance alerts overdraft fees transaction alerts study effectiveness bank alertsGoogle ↗
OBSERVEDReason
ACH return insufficient funds R01 bank alerts available balance pending transactions guidanceGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
mobile banking low balance alerts effectiveness overdraft NSF fees ACH returns empirical study alerts consumer finance Google ↗
CFPB low balance alerts overdraft fees transaction alerts study effectiveness bank alerts Google ↗
ACH return insufficient funds R01 bank alerts available balance pending transactions guidance Google ↗
- Occasional Paper No. 10: Message received? The impact of annual summaries, text alerts and mobile apps on consumer banking behaviour · fca.org.uk
- A field experiment on overdraft alerts · evidence-hub.maps.org.uk
- Sending Out an SMS: Automatic Enrollment Experiments for Overdraft Alerts - GRUBB - 2025 - The Journal of Finance · onlinelibrary.wiley.com
- Occasional paper No.40: Time to act: A field experiment on overdraft alerts · fca.org.uk
- Occasional Paper No. 36: Sending out an SMS: The impact of automatically enrolling consumers into overdraft alerts · fca.org.uk
- Data Spotlight: Consumer experiences with overdraft programs · consumerfinance.gov
- Returns and disputes · developers.achq.com
- Overdraft and NSF Practices Report · files.consumerfinance.gov
- Consumers and Mobile Financial Services 2014 · federalreserve.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mobile banking low balance alerts effectiveness overdraft NSF fees ACH returns empirical study alerts consumer finance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB low balance alerts overdraft fees transaction alerts study effectiveness bank alerts OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
ACH return insufficient funds R01 bank alerts available balance pending transactions guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |