Indicators
Real-time revenue-checking solution for better credit decisions. It allows online credit providers to evaluate their clients' financial profiles in an instant based on categorized transactions.
User indicator
We provide a specific endpoint to allow you to access indicators metrics computed on end users’ banking data:
GET /users/me/indicators{
"id_user":3,
"indicators":{
"avg_current_month":{
"incoming":3573,
"outgoing":-594,
"net_cash_flow":2979,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.0,
"outcome_total_amount":0
},
"loans":{
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0.0,
"total_amount":0
}
},
"total_current_month":{
"incoming":3573,
"outgoing":-594,
"net_cash_flow":2979,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":0,
"outcome_total_amount":0
},
"loans":{
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0,
"total_amount":0
}
},
"avg_last_30days":{
"incoming":511,
"outgoing":-480,
"net_cash_flow":32,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.4,
"outcome_total_amount":-31
},
"loans":{
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0.0,
"total_amount":0
}
},
"total_last_30days":{
"incoming":15342,
"outgoing":-14388,
"net_cash_flow":954,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":12,
"outcome_total_amount":-942
},
"loans":{
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0,
"total_amount":0
}
},
"avg_last_60days":{
"incoming":256,
"outgoing":-240,
"net_cash_flow":16,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.2,
"outcome_total_amount":-16
},
"loans":{
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0.0,
"total_amount":0
}
},
"total_last_60days":{
"incoming":15342,
"outgoing":-14409,
"net_cash_flow":933,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":12,
"outcome_total_amount":-942
},
"loans":{
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0,
"total_amount":0
}
},
"avg_last_90days":{
"incoming":170,
"outgoing":-160,
"net_cash_flow":10,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0.0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.133,
"outcome_total_amount":-10
},
"loans":{
"income_num_statements":0.0,
"income_total_amount":0,
"outcome_num_statements":0.0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0.0,
"total_amount":0
}
},
"total_last_90days":{
"incoming":15342,
"outgoing":-14409,
"net_cash_flow":933,
"leverage_ratio":null,
"recurrent_income":{
"num_statements":0,
"total_amount":0,
"details":null
},
"recurrent_outcome":{
"num_statements":0,
"total_amount":0,
"details":null
},
"gambling":{
"gambling_ratio":null,
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":12,
"outcome_total_amount":-942
},
"loans":{
"income_num_statements":0,
"income_total_amount":0,
"outcome_num_statements":0,
"outcome_total_amount":0,
"details":null
},
"return_debit":{
"num_statements":0,
"total_amount":0
}
}
}
}Steps
Ask your Account Manager to activate the Indicators plugin.
Call the endpoint.
Synchronizations
The Indicators metrics are computed asynchronously after every user synchronization. As such, the indicators metrics may not be available for one minute after a user first synchronization; if so the route will return the following output:
{
"id_user": 701,
"indicators": None,
}We would then suggest that you query it again after a few seconds, after which the complete JSON response should appear.
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