Endpoint: https://api.indicina.co/api/v3/client/bsp
Method: POST
Authentication:Bearer <Token>
Content Type:Application/json
Sample Request
| Code Block |
|---|
{
"customer": {
"id": "13.10",
"email": "johndoe@company.com",
"lastName": "Doe",
"firstName": "John",
"phone": "8101010110"
},
"bankStatement": {
"type": "mbs",
"content": {
"status": "00",
"message": "Successful",
"result": "{ \"status\": \"success\",\"Name\": \"John Doe\",\"Nuban\": \"0825902262\",\"AccountCategory\": \"CRYPTRADE\",\"AccountType\": \"SAVINGS\",\"TicketNo\": \"1497232-6\",\"AvailableBal\": \"14007.6300\",\"BookBal\": \"14057.6300\",\"TotalCredit\": \"156298\",\"TotalDebit\": \"242349.42\",\"Tenor\": \"0\",\"Period\": \"5/1/2021 12:00:00 AM to 5/30/2021 12:00:00 AM\",\"Currency\": \"NGN\",\"Address\": \"NO5 XYZ Estate, ADMOLL, Lagos State LAGOS NG\",\"Applicants\": \"Admoll Dummy\",\"Signatories\": [{\"Name\": \"N/A\",\"BVN\":\"N/A\"}],\"Details\": [{\"PTransactionDate\":\"5/1/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"OPB Opening Balance\",\"PCredit\":\"0\",\"PDebit\":\"0\",\"PBalance\":\"100109.05\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/Okay/FRM John Doe TO Doe John- 058\",\"PCredit\":\"0\",\"PDebit\":\"2510.75\",\"PBalance\":\"97598.30\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/April workers due/FRM John Doe TO ADMG CHAPEL OF LOVE PARISH- 058\",\"PCredit\":\"0\",\"PDebit\":\"3010.75\",\"PBalance\":\"94587.55\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/Nepa money/FRM John Doe TO Admoll Wick - 035\",\"PCredit\":\"0\",\"PDebit\":\"4010.75\",\"PBalance\":\"90576.80\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/Manage the 3k/FRM John Doe TO Mary Doe robinson\",\"PCredit\":\"0\",\"PDebit\":\"23000\",\"PBalance\":\"67576.80\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/Thank you/FRM John Doe TO Admoll Wic - 035\",\"PCredit\":\"0\",\"PDebit\":\"22526.88\",\"PBalance\":\"45049.92\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"4/30/2021\",\"PNarration\":\"ADMGENUS TRF/Admoll Tithe/FRM John Doe TO CHRISTIAN CHURCH OF ADMG - 070\",\"PCredit\":\"0\",\"PDebit\":\"20026.88\",\"PBalance\":\"25023.04\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMGENUS TRF/John/FRM John Doe TO John Wick - 058\",\"PCredit\":\"0\",\"PDebit\":\"2510.75\",\"PBalance\":\"22512.29\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMGENUS TRF/Thanks/FRM John Doe TO Admoll Ese - 221\",\"PCredit\":\"0\",\"PDebit\":\"12026.88\",\"PBalance\":\"10485.41\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMGENUS TRF/Thanks/FRM John Doe TO Admoll Ese- 011\",\"PCredit\":\"0\",\"PDebit\":\"5010.75\",\"PBalance\":\"5474.66\"},{\"PTransactionDate\":\"5/3/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"300\",\"PBalance\":\"5174.66\"},{\"PTransactionDate\":\"5/4/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL DUMMY/SENT FROM KUDA\",\"PCredit\":\"2000\",\"PDebit\":\"0\",\"PBalance\":\"7174.66\"},{\"PTransactionDate\":\"5/4/2021\",\"PValueDate\":\"5/3/2021\",\"PNarration\":\"ADMOLLDEV CURRENTIC INTERNATIONAL LTD/R\",\"PCredit\":\"10000\",\"PDebit\":\"0\",\"PBalance\":\"17174.66\"},{\"PTransactionDate\":\"5/5/2021\",\"PValueDate\":\"5/5/2021\",\"PNarration\":\"ADMGENUS TRF/Ok/FRM John Doe TO Doe John- 058\",\"PCredit\":\"0\",\"PDebit\":\"15026.88\",\"PBalance\":\"2147.78\"},{\"PTransactionDate\":\"5/5/2021\",\"PValueDate\":\"5/5/2021\",\"PNarration\":\"MOLLSWITCH FGN ELECTRONIC MONEY TRANSFER LEVY\",\"PCredit\":\"0\",\"PDebit\":\"50\",\"PBalance\":\"2097.78\"},{\"PTransactionDate\":\"5/6/2021\",\"PValueDate\":\"5/5/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"200\",\"PBalance\":\"1897.78\"},{\"PTransactionDate\":\"5/6/2021\",\"PValueDate\":\"5/5/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"200\",\"PBalance\":\"1697.78\"},{\"PTransactionDate\":\"5/6/2021\",\"PValueDate\":\"5/5/2021\",\"PNarration\":\"ADMGENUS RVSL_AIRTIME/ MTN/08100900000\",\"PCredit\":\"200\",\"PDebit\":\"0\",\"PBalance\":\"1897.78\"},{\"PTransactionDate\":\"5/7/2021\",\"PValueDate\":\"5/6/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL DUMMY/SENT FROM KUDA\",\"PCredit\":\"2000\",\"PDebit\":\"0\",\"PBalance\":\"3897.78\"},{\"PTransactionDate\":\"5/10/2021\",\"PValueDate\":\"5/10/2021\",\"PNarration\":\"ADMGENUS TRF/Thank you sir/FRM John Doe TO JOHN WICK\",\"PCredit\":\"0\",\"PDebit\":\"3000\",\"PBalance\":\"897.78\"},{\"PTransactionDate\":\"5/10/2021\",\"PValueDate\":\"5/8/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL DUMMY/Admoll\",\"PCredit\":\"3000\",\"PDebit\":\"0\",\"PBalance\":\"3897.78\"},{\"PTransactionDate\":\"5/11/2021\",\"PValueDate\":\"5/10/2021\",\"PNarration\":\"ADMGENUS TRF/Last week midweek offering/FRM John Doe TO Admoll Ese- 011\",\"PCredit\":\"0\",\"PDebit\":\"3860.75\",\"PBalance\":\"37.03\"},{\"PTransactionDate\":\"5/11/2021\",\"PValueDate\":\"5/11/2021\",\"PNarration\":\"ADMOLLDEV ADMG CHAPEL OF LOVE PARISH/NIP TRF FROM ADMG CHAPEL OF LOVE PARISH IFO John Doe\",\"PCredit\":\"25000\",\"PDebit\":\"0\",\"PBalance\":\"25037.03\"},{\"PTransactionDate\":\"5/11/2021\",\"PValueDate\":\"5/11/2021\",\"PNarration\":\"USSDUSER USSD/ADMOLL-WILLY/08XXXX5322/John Doe\",\"PCredit\":\"1000\",\"PDebit\":\"0\",\"PBalance\":\"26037.03\"},{\"PTransactionDate\":\"5/11/2021\",\"PValueDate\":\"5/11/2021\",\"PNarration\":\"NEXTGENUSR TRF/Babe/FRM John Doe TO Mary Doe\",\"PCredit\":\"0\",\"PDebit\":\"10000\",\"PBalance\":\"16037.03\"},{\"PTransactionDate\":\"5/11/2021\",\"PValueDate\":\"5/11/2021\",\"PNarration\":\"ADMGENUS TRF/Thanks/FRM John Doe TO JOHN MARY- 058\",\"PCredit\":\"0\",\"PDebit\":\"10026.88\",\"PBalance\":\"6010.15\"},{\"PTransactionDate\":\"5/16/2021\",\"PValueDate\":\"5/15/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"300\",\"PBalance\":\"5710.15\"},{\"PTransactionDate\":\"5/16/2021\",\"PValueDate\":\"5/16/2021\",\"PNarration\":\"ADMGENUS TRF/Ok/FRM John Doe TO Admoll Ese- 011\",\"PCredit\":\"0\",\"PDebit\":\"3010.75\",\"PBalance\":\"2699.40\"},{\"PTransactionDate\":\"5/16/2021\",\"PValueDate\":\"5/16/2021\",\"PNarration\":\"ADMGENUS TRF//FRM John Doe TO Mary Doe\",\"PCredit\":\"0\",\"PDebit\":\"2000\",\"PBalance\":\"699.40\"},{\"PTransactionDate\":\"5/17/2021\",\"PValueDate\":\"5/17/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"300\",\"PBalance\":\"399.40\"},{\"PTransactionDate\":\"5/21/2021\",\"PValueDate\":\"5/21/2021\",\"PNarration\":\"USSDUSER 901Airtime- 234810090000 USSDALUSSD132660520102655092\",\"PCredit\":\"0\",\"PDebit\":\"300\",\"PBalance\":\"99.40\"},{\"PTransactionDate\":\"5/22/2021\",\"PValueDate\":\"5/22/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL OMG/via GTWORLD\",\"PCredit\":\"5000\",\"PDebit\":\"0\",\"PBalance\":\"5099.40\"},{\"PTransactionDate\":\"5/22/2021\",\"PValueDate\":\"5/22/2021\",\"PNarration\":\"ADMGENUS TRF/Materials payment/FRM John Doe TO OMG WICK\",\"PCredit\":\"0\",\"PDebit\":\"3500\",\"PBalance\":\"1599.40\"},{\"PTransactionDate\":\"5/22/2021\",\"PValueDate\":\"5/22/2021\",\"PNarration\":\"ADMGENUS TRF/Hair/FRM John Doe TO Mary Doe- 232\",\"PCredit\":\"0\",\"PDebit\":\"1010.75\",\"PBalance\":\"588.65\"},{\"PTransactionDate\":\"5/23/2021\",\"PValueDate\":\"5/23/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL BENTEN/FBNMOBILE:John Doe/BENTEN\",\"PCredit\":\"5000\",\"PDebit\":\"0\",\"PBalance\":\"5588.65\"},{\"PTransactionDate\":\"5/23/2021\",\"PValueDate\":\"5/23/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"100\",\"PBalance\":\"5488.65\"},{\"PTransactionDate\":\"5/23/2021\",\"PValueDate\":\"5/23/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL BENJ/ATM NIP @ 10331267/0825902262 Access\",\"PCredit\":\"3000\",\"PDebit\":\"0\",\"PBalance\":\"8488.65\"},{\"PTransactionDate\":\"5/25/2021\",\"PValueDate\":\"5/25/2021\",\"PNarration\":\"ADMGENUS TRF/Hi/FRM John Doe TO JOHN WICK- 033\",\"PCredit\":\"0\",\"PDebit\":\"2010.75\",\"PBalance\":\"6477.90\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS AIRTIME/ MTN/08100900000\",\"PCredit\":\"0\",\"PDebit\":\"400\",\"PBalance\":\"6077.90\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMOLLDEV ADMOLL TECHNOLOGIES ADS TECHNOLOGIES LIMITED/637579813500688913-21 Allowance and commission 2021 113846759\",\"PCredit\":\"100098\",\"PDebit\":\"0\",\"PBalance\":\"106175.90\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/Thursday and Today/FRM John Doe TO Admoll Ese- 011\",\"PCredit\":\"0\",\"PDebit\":\"8026.88\",\"PBalance\":\"98149.02\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/Thanks/FRM John Doe TO ADMOLL LIAM- 221\",\"PCredit\":\"0\",\"PDebit\":\"30026.88\",\"PBalance\":\"68122.14\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/I love you/FRM John Doe TO Mary Doe\",\"PCredit\":\"0\",\"PDebit\":\"7000\",\"PBalance\":\"61122.14\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/May due/FRM John Doe TO ADMG CHAPEL OF LOVE PARISH- 058\",\"PCredit\":\"0\",\"PDebit\":\"3010.75\",\"PBalance\":\"58111.39\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/Admoll tithe/FRM John Doe TO ADMG CHRISTIAN CHURCH OF GOD CHAPEL OF LOVE PARISH- 070\",\"PCredit\":\"0\",\"PDebit\":\"20026.88\",\"PBalance\":\"38084.51\"},{\"PTransactionDate\":\"5/30/2021\",\"PValueDate\":\"5/30/2021\",\"PNarration\":\"ADMGENUS TRF/Thanks/FRM John Doe TO Admoll Wick Doe- 035\",\"PCredit\":\"0\",\"PDebit\":\"24026.88\",\"PBalance\":\"14057.63\"}]}"
}
}
} |
Sample Response
| Code Block |
|---|
{
"status": "success",
"data": {
"country": "Nigeria",
"currency": "NGN",
"behaviouralAnalysis": {
"accountSweep": "No",
"gamblingRate": 0,
"inflowOutflowRate": "Negative Cash Flow",
"loanAmount": 0,
"loanInflowRate": 0,
"loanRepaymentInflowRate": 0,
"loanRepayments": 0,
"lateLoanRepayments": 0,
"returnedCheque": 0,
"topIncomingTransferAccount": "Kuda",
"topTransferRecipientAccount": "Mary Doe"
},
"cashFlowAnalysis": {
"accountActivity": 0.52,
"averageBalance": 23840.87,
"creditCount": 11,
"debitCount": 34,
"averageCredits": 14208.90909090909,
"averageDebits": 7127.9241176470605,
"openingBalance": 100109.05,
"closingBalance": 14057.63,
"firstDay": "2021-05-03",
"lastDay": "2021-05-30",
"monthPeriod": "May - May",
"netAverageMonthlyEarnings": -242349.42,
"noOfTransactingMonths": 1,
"totalCreditTurnover": 156298,
"totalDebitTurnover": 242349.42000000004,
"harmonicMeanCR": 1338.74,
"harmonicMeanDR": 549.99,
"yearInStatement": "2021",
"maxEmiEligibility": 2337,
"affordability": 0,
"emiConfidenceScore": 0.15,
"totalMonthlyCredit": [
{
"month": "2021-05",
"amount": 156298
}
],
"totalMonthlyDebit": [
{
"month": "2021-05",
"amount": 242349.42
}
],
"averageMonthlyCredit": [
{
"month": "2021-05",
"amount": 14208.91
}
],
"averageMonthlyDebit": [
{
"month": "2021-05",
"amount": 7127.92
}
]
},
"incomeAnalysis": {
"salaryEarner": "No",
"pensioner": "No",
"averagePension": 0,
"medianIncome": 0,
"averageOtherIncome": 0,
"expectedSalaryDay": 0,
"lastSalaryDate": null,
"averageSalary": 0,
"dsr": 0,
"confidenceIntervalonSalaryDetection": 0,
"salaryFrequency": null,
"numberSalaryPayments": 0,
"salaryRecency": null,
"numberSalaryInLast3Months": 0,
"numberSalaryInLast4Months": 0,
"numberOtherIncomePayments": 0,
"gigWorker": "No",
"microSME": "No"
},
"spendAnalysis": {
"averageRecurringExpense": 203672.54,
"hasRecurringExpense": "Yes",
"averageMonthlyExpenses": 242349.42,
"expenseChannels": [
{
"key": "atmSpend",
"value": 0
},
{
"key": "webSpend",
"value": 0
},
{
"key": "posSpend",
"value": 0
},
{
"key": "ussdTransactions",
"value": 300
},
{
"key": "mobileSpend",
"value": 0
},
{
"key": "spendOnTransfers",
"value": 240249.42
},
{
"key": "internationalTransactionsSpend",
"value": 0
}
],
"expenseCategories": [
{
"key": "bills",
"value": 0
},
{
"key": "entertainment",
"value": 0
},
{
"key": "savingsAndInvestments",
"value": 0
},
{
"key": "gambling",
"value": 0
},
{
"key": "airtime",
"value": 2100
},
{
"key": "bankCharges",
"value": 50
},
{
"key": "chequeWithdrawal",
"value": 0
},
{
"key": "cashWithdrawal",
"value": 0
},
{
"key": "shopping",
"value": 0
},
{
"key": "eatingOut",
"value": 0
}
]
},
"transactionPatternAnalysis": {
"MAWWZeroBalanceInAccount": {
"month": null,
"week_of_month": 0
},
"NODWBalanceLess5000": 9,
"NODWBalanceLess": {
"amount": 5000,
"count": 9
},
"highestMAWOCredit": {
"month": "May",
"week_of_month": 5
},
"highestMAWODebit": {
"month": "May",
"week_of_month": 5
},
"lastDateOfCredit": "2021-05-30",
"lastDateOfDebit": "2021-05-30",
"mostFrequentBalanceRange": "<10000",
"mostFrequentTransactionRange": "<10000",
"recurringExpense": [
{
"amount": 5010.75,
"description": "ADMGENUS TRF/Thanks/FRM John Doe TO Admoll Ese- 011"
},
{
"amount": 2510.75,
"description": "ADMGENUS TRF/Okay/FRM John Doe TO Doe John- 058"
},
{
"amount": 4010.75,
"description": "ADMGENUS TRF/Nepa money/FRM John Doe TO Admoll Wick - 035"
}
],
"transactionsBetween100000And500000": 1,
"transactionsBetween10000And100000": 12,
"transactionsGreater500000": 0,
"transactionsLess10000": 32,
"transactionRanges": [
{
"min": 10000,
"max": 100000,
"count": 12
},
{
"min": 100000,
"max": 500000,
"count": 1
},
{
"min": null,
"max": 10000,
"count": 32
},
{
"min": 500000,
"max": null,
"count": 0
}
]
},
"statementAccuracy": {
"checks": {
"balanceAccuracy": true,
"airtimeOutlier": false,
"transactionFeeOutlier": false
}
},
"breakdowns": [
{
"name": "salary",
"values": []
},
{
"name": "otherIncome",
"values": []
},
{
"name": "individualSalary",
"values": []
},
{
"name": "loan",
"values": []
},
{
"name": "loanRepayment",
"values": []
}
],
"id": "2ea90cc9ddc9274af7304065ae332a306561338f5fe7a528424a7346e2766cda3818824a0789a31f4255945af9e23661fc6e35d68248a66eddf46a71a33a8265"
}
} |