> For the complete documentation index, see [llms.txt](https://docs.powens.com/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.powens.com/documentation/integration-guides/indicators-for-credit-check.md).
# Indicators for Credit Check
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
1. Ask your Account Manager to activate the Indicators plugin.
2. [Add a first user and connection](https://docs.powens.com/documentation/integration-guides/quick-start/add-a-first-user-and-connection) or [synchronize an existing connection after Indicators plugin activation](https://docs.powens.com/documentation/integration-guides/sca-and-connection-states).
3. Call the endpoint.
{% hint style="info" %}
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:
```json
{
"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.
{% endhint %}
---
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