Behavioural Analysis

{{baseUrl}}/api/v1/financial/transactions/pdf

{
    "entity": {
        "acct_id": "1234a5b6-20bb-4e16-b711-56c5bd7a3c90"
    }
}

{{baseUrl}}/api/v1/financial/analysis

{
    "entity": {
        "accountBreakdown": {
            "TotalCreditEntry": 306935.75,
            "TotalDebitMade": 321986.57,
            "averageMonthlyBalance": 0,
            "averageMonthlyCredits": 25577.98,
            "averageMonthlyDebits": 20124.16,
            "averageWeeklyBalance": 0,
            "averageWeeklyCredits": 6530.55,
            "averageWeeklyDebits": 5031.04,
            "closingBalance": 0,
            "firstDateInStatement": "2021-04-12",
            "lastDateInStatement": "2022-07-03",
            "numberOfTransactingMonths": 6,
            "periodInStatement": "April - July",
            "yearInStatement": "2021, 2022"
        },
        "expenseBreakdown": {
            "MaximumExpense": "pos web pmt John Doe b aso l00ng",
            "atmLocations": [
                "lagos",
                "yabatech",
                "yaba"
            ],
            "averageMonthlyExpenseOnAirtimeandData": 2200,
            "averageMonthlyExpenseOnAtmAndPOS": 39663.05,
            "averageMonthlyExpenseOnChargesAndStampDuty": 108.88,
            "averageMonthlyExpenseOnEntertainment": 168.46,
            "averageMonthlyExpenseOnGambling": 0,
            "averageMonthlyExpenseOnHealth": 91.67,
            "averageMonthlyExpenseOnHospitalityandFood": 0,
            "averageMonthlyExpenseOnInsurance": 0,
            "averageMonthlyExpenseOnInternationalTransactions": 0,
            "averageMonthlyExpenseOnOnlineandWeb": 24955.55,
            "averageMonthlyExpenseOnRent": 0,
            "averageMonthlyExpenseOnSavingsAndInvestments": 0,
            "averageMonthlyExpenseOnTransfer": 11692.5,
            "averageMonthlyExpenseOnTransportation": 0,
            "averageMonthlyExpenseOnUSSD": 333.33,
            "averageMonthlyExpenseOnUtilities": 0,
            "averageMonthlyExpenseonTravel": 0,
            "averageMonthlyRecurringExpenses": 0,
            "averageMonthlyTotalExpenses": 53555.55,
            "minimumSalary": 653.25,
            "monthWithmaximumExpense": "2/2022",
            "mostFrequentExpense": "atm_and_pos_transactions",
            "mostFrequentExpenseCategory": "atm_and_pos_transactions",
            "totalExpenseOnAirtimeAndData": 13200,
            "totalExpenseOnInternationalTransactions": 0,
            "totalExpenseOnSavingsAndInvestments": 0,
            "totalExpenseOnTransfer": 70155.02,
            "totalExpenseOnTransportation": 0,
            "totalExpenseOnTravel": 0,
            "totalExpenseOnUSSD": 2000,
            "totalExpenseOnUtilities": 0,
            "totalExpenseonChargesAndStampDuty": 237978.3,
            "totalExpenseonEntertainment": 1010.75,
            "totalExpenseonGambling": 0,
            "totalExpenseonHealth": 550,
            "totalExpenseonHospitalityandFood": 0,
            "totalExpenseonInsurance": 0,
            "totalExpenseonOnlineandWeb": 149733.3,
            "totalMonthlyExpenses": 321333.32,
            "totalRecurringExpenses": 0
        },
        "fundsManagement": {
            "accountActivity": 0.1,
            "accountSweep": "No",
            "averageMonthlyLoanAmount": 0,
            "averageMonthlyLoanRepaymentAmount": 0,
            "gamblingRate": 0,
            "gamblingStatus": "No Gambling Transactions Found",
            "loanInflowAmount": null,
            "loanRepaymentToInflowAmount": 0,
            "monthToMonthInflowToOutflowAmount": "Positive Cash Flow",
            "numberOfCreditLoanTransactions": null,
            "numberOfDebitRepaymentTransactions": null,
            "overallInflowToOutflowAmount": "Negative Cash Flow",
            "percentOfInflowIrregularity": 0,
            "totalLoanAmount": 0,
            "totalLoanRepaymentAmount": 0
        },
        "inflowBreakdown": {
            "AdditionalIncome": "Yes",
            "RecurringSalaryPayments": null,
            "aSalaryEarner": "No",
            "averageAdditionalIncome": 9166.67,
            "averageGuaranteedSalary": 0,
            "estimatedSalaryPaymentDay": null,
            "lastDateOfSalaryPayment": null,
            "minimumSalary": 0,
            "netAverageMonthlySalary": 0,
            "numberOfAdditionalIncomePayments": 2,
            "totalnumberOfSalaryPayments": 0
        },
        "transactionRoutineBreakdown": {
            "MaximumExpense": 0,
            "lastCreditReceived": "2022-03-04",
            "lastDebitMade": "2022-07-03",
            "mostFrequentBalanceRange": "<10000",
            "mostFrequentTransactionRange": "<10000",
            "numberOfCardRequests": 0,
            "percentNumberOfDaysBalanceWasLessThan10ThousandNaira": 1,
            "percentNumberOfDaysTransactionsWasLessThan10ThousandNaira": 0.96,
            "percentOfBalancesBetween100ThousandTo500ThousandNaira": 0,
            "percentOfBalancesBetween10ThousandTo100ThousandNaira": 0,
            "percentOfBalancesBetween500ThousandToOneMillionNaira": 0,
            "percentOfBalancesGreaterThanOneMillionNaira": 0,
            "percentOfBalancesLessThan10ThousandNaira": 1,
            "percentOfTransactionsBetween100ThousandTo500ThousandNaira": 0,
            "percentOfTransactionsBetween10ThousandTo100ThousandNaira": 0.12,
            "percentOfTransactionsBetween500ThousandToOneMillionNaira": 0,
            "percentOfTransactionsGreaterThanOneMillionNaira": 0,
            "percentOfTransactionsLessThan10ThousandNaira": 0.88,
            "percentofCreditTransactions": 0.19,
            "percentofDebitTransactions": 0.81,
            "totalAmountOfTransactions": 129
        }
    }
}