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      "text": "1. Inclusive of payments made from all Consumer Banking accounts; payments defined as debits, excluding internal transfers\n2. Reflects number of Consumer and Business Banking accounts with a Zelle inflow or outflow in FY 2022\n3. Average number of monthly debit transactions during 4Q22 of Consumer Banking checking customers that completed at least one debit card payment during this 90-day period\n4. Percent of Consumer Banking users of all mobile platforms who have logged in within the past 90 days, as of 4Q19 and 4Q22\n5. Percent of mobile-active Consumer Banking users who engaged with a financial health tool in 4Q22\n6. Total Consumer Banking user logins on mobile and web platforms in FY 2022",
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