Try It Out Yourself
To try out our API and see a live example, visit our API Reference Test Page.
Endpoint: https://api.indicina.co/api/v3/client/bsp
Method: POST
Authentication:Bearer <Token>
Content Type:Application/json
Sample Request
{
"customer": {
"id": "ckq9ehqmv000001me62y85j1u",
"email": "johndoe@company.com",
"lastName": "Doe",
"firstName": "John",
"phone": "8101010110"
},
"bankStatement": {
"type": "mono",
"content": {
"paging": {
"total": 190,
"page": 2,
"previous": "https://api.withmono.com/accounts/:id/transactions?page=2",
"next": "https://api.withmono.com/accounts/:id/transactions?page=3"
},
"data":[
{
"_id":"61d38401540f62448a67b18f",
"date":"2022-01-01T00:00:00.000Z",
"type":"debit",
"amount":5000,
"balance":7441442,
"currency":"NGN",
"narration":"FGN STAMP DUTY/S10761279 ON 31-DEC-21 FOR ACCOUNT"
},
{
"_id":"61d38401540f62448a67b190",
"date":"2022-01-01T00:00:00.000Z",
"type":"debit",
"amount":5000,
"balance":7446442,
"currency":"NGN",
"narration":"FGN STAMP DUTY/S10754935 ON 31-DEC-21 FOR ACCOUNT"
},
],
"meta":{
"count":186
}
}
}
}
Sample Response
{
"status": "success",
"data": {
"country": "Nigeria",
"currency": "NGN",
"behaviouralAnalysis": {
"accountSweep": "No",
"gamblingRate": 0,
"inflowOutflowRate": "Positive Cash Flow",
"loanAmount": 0,
"loanInflowRate": 0,
"loanRepaymentInflowRate": 0,
"loanRepayments": 0,
"lateLoanRepayments": 0,
"returnedCheque": 0,
"topIncomingTransferAccount": "John Ol",
"topTransferRecipientAccount": "Be Refun"
},
"cashFlowAnalysis": {
"accountActivity": 0.27,
"averageBalance": 94077.86,
"creditCount": 87,
"debitCount": 99,
"averageCredits": 16868.635402298853,
"averageDebits": 14182.844444444445,
"openingBalance": 10944.78,
"closingBalance": 89214.43,
"firstDay": "2021-07-04",
"lastDay": "2022-01-01",
"monthPeriod": "July - January",
"netAverageMonthlyEarnings": -585.9400000000023,
"noOfTransactingMonths": 7,
"totalCreditTurnover": 1467571.28,
"totalDebitTurnover": 1404101.6,
"harmonicMeanCR": 7.29,
"harmonicMeanDR": 100.78,
"yearInStatement": "2022,2021",
"maxEmiEligibility": 886,
"affordability": 44009.27,
"emiConfidenceScore": 0.06,
"totalMonthlyCredit": [
{
"month": "2021-12",
"amount": 440934.28
},
{
"month": "2021-11",
"amount": 215030
},
{
"month": "2021-10",
"amount": 250607
},
{
"month": "2021-09",
"amount": 161000
},
{
"month": "2021-08",
"amount": 200000
},
{
"month": "2021-07",
"amount": 200000
}
],
"totalMonthlyDebit": [
{
"month": "2021-09",
"amount": 154397.92
},
{
"month": "2021-08",
"amount": 359974.74
},
{
"month": "2021-07",
"amount": 16442.27
},
{
"month": "2022-01",
"amount": 24326.87
},
{
"month": "2021-12",
"amount": 401681.76
},
{
"month": "2021-11",
"amount": 308156.85
},
{
"month": "2021-10",
"amount": 139121.19
}
],
"averageMonthlyCredit": [
{
"month": "2021-12",
"amount": 5879.12
},
{
"month": "2021-11",
"amount": 71676.67
},
{
"month": "2021-10",
"amount": 41767.83
},
{
"month": "2021-09",
"amount": 161000
},
{
"month": "2021-08",
"amount": 200000
},
{
"month": "2021-07",
"amount": 200000
}
],
"averageMonthlyDebit": [
{
"month": "2021-09",
"amount": 12866.49
},
{
"month": "2021-08",
"amount": 16362.49
},
{
"month": "2021-07",
"amount": 2348.9
},
{
"month": "2022-01",
"amount": 6081.72
},
{
"month": "2021-12",
"amount": 22315.65
},
{
"month": "2021-11",
"amount": 16218.78
},
{
"month": "2021-10",
"amount": 8183.6
}
]
},
"incomeAnalysis": {
"salaryEarner": "Yes",
"pensioner": "No",
"averagePension": 0,
"medianIncome": 200000,
"averageOtherIncome": 0,
"expectedSalaryDay": 31,
"lastSalaryDate": "2021-12-31",
"averageSalary": 200000,
"dsr": 0,
"confidenceIntervalonSalaryDetection": 1,
"salaryFrequency": "1",
"numberSalaryPayments": 3,
"salaryRecency": 874,
"numberSalaryInLast3Months": 0,
"numberSalaryInLast4Months": 0,
"numberOtherIncomePayments": 0,
"gigWorker": "No",
"microSME": "No"
},
"spendAnalysis": {
"averageRecurringExpense": 8428.57,
"hasRecurringExpense": "Yes",
"averageMonthlyExpenses": 200585.94,
"expenseChannels": [
{
"key": "atmSpend",
"value": 0
},
{
"key": "webSpend",
"value": 0
},
{
"key": "posSpend",
"value": 50400
},
{
"key": "ussdTransactions",
"value": 1244.75
},
{
"key": "mobileSpend",
"value": 192855.84
},
{
"key": "spendOnTransfers",
"value": 1244.75
},
{
"key": "internationalTransactionsSpend",
"value": 0
}
],
"expenseCategories": [
{
"key": "bills",
"value": 53.75
},
{
"key": "entertainment",
"value": 0
},
{
"key": "savingsAndInvestments",
"value": 0
},
{
"key": "gambling",
"value": 0
},
{
"key": "airtime",
"value": 104.67
},
{
"key": "bankCharges",
"value": 262.56
},
{
"key": "chequeWithdrawal",
"value": 0
},
{
"key": "cashWithdrawal",
"value": 0
},
{
"key": "shopping",
"value": 0
},
{
"key": "eatingOut",
"value": 29626.63
}
]
},
"transactionPatternAnalysis": {
"MAWWZeroBalanceInAccount": {
"month": null,
"week_of_month": 0
},
"NODWBalanceLess5000": 2,
"NODWBalanceLess": {
"amount": 5000,
"count": 2
},
"highestMAWOCredit": {
"month": "December",
"week_of_month": 5
},
"highestMAWODebit": {
"month": "December",
"week_of_month": 5
},
"lastDateOfCredit": "2021-12-31",
"lastDateOfDebit": "2022-01-01",
"mostFrequentBalanceRange": "10000-100000",
"mostFrequentTransactionRange": "<10000",
"recurringExpense": [
{
"amount": 14000,
"description": "MOB/UTU/9817215156/Fuel for the range"
}
],
"transactionsBetween100000And500000": 11,
"transactionsBetween10000And100000": 40,
"transactionsGreater500000": 0,
"transactionsLess10000": 135,
"transactionRanges": [
{
"min": 10000,
"max": 100000,
"count": 40
},
{
"min": 100000,
"max": 500000,
"count": 11
},
{
"min": null,
"max": 10000,
"count": 135
},
{
"min": 500000,
"max": null,
"count": 0
}
]
},
"statementAccuracy": {
"checks": {
"balanceAccuracy": false,
"airtimeOutlier": false,
"transactionFeeOutlier": true
}
},
"breakdowns": [
{
"name": "salary",
"values": [
{
"date": "2021-08",
"amount": 200000
},
{
"date": "2021-10",
"amount": 200000
},
{
"date": "2021-12",
"amount": 200000
}
]
},
{
"name": "otherIncome",
"values": []
},
{
"name": "individualSalary",
"values": [
{
"date": "2021-08-02",
"amount": 200000
},
{
"date": "2021-10-31",
"amount": 200000
},
{
"date": "2021-12-31",
"amount": 200000
}
]
},
{
"name": "loan",
"values": []
},
{
"name": "loanRepayment",
"values": []
}
],
"id": "f5a97364678bfa053e0ef5dbe92278057917e4987cb4b1f1aa58e54db97beef2243ca8cd39a38e8ca4391e6f588cce1647e17dc1bc4b0686e30f90087e685375"
}
}