KEY FINDING: 
High Debit Card users (25 or more debit transactions per month) have higher loan balances than low / no usage of the debit card. 

STATISTICS: 
Loan balances for high debit card users are $15,466 compared to loan balances of those who do not use the debit card at $8,668.

TACTIC: 
Find households with 25 or more debit transactions per month and no loan relationships and market loans (e.g. auto loans).