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Credit Insights

The Credit Insights' history is regardless of the month history current setting.

FieldTypeDescription
cash_flowsCashFlow[]Groups transactions that share some similarities in descriptions, amounts and regularity
loansLoansProvides details on the customer’s loans
risksRisksContains indicators related to Credit Risk

CashFlow object

FieldTypeDescription
typestringType of the cashflow
categorystringCategory of the cashflow
label_rootstringCommon description root shared by the transactions within the same Cashflow
labelstringThis value differs from labelRoot when a Cashflow can be split into two smaller pieces. These pieces share similarities in terms of amount and dates
total_amountstringTotal amount of the cash flow over the period of analysis. Transactions that are or has been rejected are included in this sum. Negative if expense, positive if income.
calendarCalendar[]Calendar of the cashflow
transactionsTransaction[]Concerned transactions

Loans object

FieldTypeDescription
repaymentsRepaymentsInformation about loan repayments. This section does not take into account rejected loan repayment.
drawdownsDrawdownsInformation about loan drawdowns

Risks object

FieldTypeDescription
incidentsIncidentsList of all incidents detected in a user's cashflows.
overdraftOverdraftUser's overdraft behaviour.
heavy_failuresHeavyFailuresEvents that occur after either a legal decision or when an institution fetches its due directly on the user's account.

Incidents

FieldTypeDescription
payment_rejectionsRejectionDetailPayment rejection details.
check_rejectionsRejectionDetailCheck rejection details.

Overdraft

FieldTypeDescription
durationintNumber of days in hard overdraft. This number is the sum of all overdraft period.
feesTransactionsGroupDetailOverdrafts fees transaction detail

HeavyFailures

FieldTypeDescription
direct_recovery_of_debtTransactionsGroupDetailDirect debt recovery transactions by an institution
bank_account_seizureTransactionsGroupDetailBank account seizure transactions following a legal decision

RejectionDetail

FieldTypeDescription
total_amountintTotal amount of the related transactions.
total_fees_amountintTotal amount of fees due to payment rejection.
transactionsTransaction[]Detected rejected transactions.
fees_transactionsTransaction[]Detected rejection fees. They may be disassociated from the rejections transaction as some rejections can be charged month after.

TransactionsGroupDetail

FieldTypeDescription
total_amountintTotal amount of the related transactions
transactionsTransaction[]Transactions

Repayments

FieldTypeDescription
total_amountfloatTotal amount of all detected repayments over the period of analysis
monthly_amountfloatMean amount of loan repayments per month
detailsCashFlow[]All cash flows related to loan repayments

Drawdowns

FieldTypeDescription
countfloatNumber of concerned transactions
total_amountfloatTotal amount of draw downs
detailsCashFlow[]All cash flows related to loan drawdowns

Transaction

FieldTypeDescription
descriptionstringDescription of the transaction
datesDateDates associated with the transaction
amountfloatAmount of the transaction (negative if debit)
currencystringTransaction's currency
enrichementsEnrichementProperties of transaction
is_comingboolIndicates if the transaction will be debited or credited on the account in the future

Date

FieldTypeDescription
debited_atdatetimeDebit date as seen on the bank statement. This property may not be set if the transaction is not yet debitted. This can occurs if there's a differed payement.
booked_atdatetimeRealization date of the transaction

Calendar

FieldTypeDescription
monthMonthCalendar month of the transaction
amountstringAmount of the transaction

Enrichement

FieldTypeDescription
categorystringTransaction's category. This property describe the reason why a transaction is made.
typestringTransaction's nature computed. This property describe the medium of the transaction.

Endpoints

GET/api/v6/users/{userId}/banking-credit-insights

Returns the credit insights analysis for the user, including cashflows, loans, and risk indicators.