Via PDF (Analysis Result)

Endpoint: https://api.indicina.co/api/v3/client/pdf/extract/{jobId}/status

Method: GET

Authentication:Bearer <Token>

Content Type:Application/json

📘
NOTE: The {jobId} in the Endpoint
Using this endpoint, you will get the status and results for the PDF analysis related any existing Job ID.
The JobID provided in response during PDF Statement Analysis will be used to get the analysis status and results.

Sample Request

curl --request GET \
     --url https://api.indicina.co/api/v3/client/pdf/extract/{jobId}/status \
     --header 'accept: application/json'

Sample Response

{
  "status": "success",
  "data": {
    "jobId": "c4450ca76bcbe2166b54aca41b2644d28c2cd089d70a0736c59d344df0dbc48f",
    "status": "DONE",
    "message": "",
    "decideResponse": {
      "country": "Nigeria",
      "currency": "NGN",
      "behaviouralAnalysis": {
        "accountSweep": "No",
        "gamblingRate": 0,
        "inflowOutflowRate": "Neutral Cash Flow",
        "loanAmount": 40403456.95,
        "loanInflowRate": 0.57,
        "loanRepaymentInflowRate": 0.02,
        "loanRepayments": 1386122.68,
        "topIncomingTransferAccount": "Babaoye Adenike",
        "topTransferRecipientAccount": "Thaddeus Olasubomi"
      },
      "cashFlowAnalysis": {
        "accountActivity": 0.79,
        "averageBalance": 778848.73,
        "averageCredits": 878805.0050617283,
        "averageDebits": 74925.52574736858,
        "closingBalance": 4326.25,
        "firstDay": "2022-07-01",
        "lastDay": "2022-12-10",
        "monthPeriod": "July - December",
        "netAverageMonthlyEarnings": -8396019.33,
        "noOfTransactingMonths": 6,
        "totalCreditTurnover": 71183205.41,
        "totalDebitTurnover": 71179249.46000014,
        "yearInStatement": "2022",
        "maxEmiEligibility": 321552,
        "emiConfidenceScore": 0.03,
        "totalMonthlyCredit": [
          {
            "month": "2022-07",
            "amount": 6095348.49
          },
          {
            "month": "2022-08",
            "amount": 10157743.07
          },
          {
            "month": "2022-09",
            "amount": 9757849.48
          },
          {
            "month": "2022-10",
            "amount": 37248533.49
          },
          {
            "month": "2022-11",
            "amount": 6729730.88
          },
          {
            "month": "2022-12",
            "amount": 1194000
          }
        ],
        "totalMonthlyDebit": [
          {
            "month": "2022-10",
            "amount": 38443497.56
          },
          {
            "month": "2022-11",
            "amount": 6731456.1
          },
          {
            "month": "2022-12",
            "amount": 1189822.76
          },
          {
            "month": "2022-07",
            "amount": 6058976.1
          },
          {
            "month": "2022-08",
            "amount": 10187105.57
          },
          {
            "month": "2022-09",
            "amount": 8568391.37
          }
        ],
        "averageMonthlyCredit": [
          {
            "month": "2022-07",
            "amount": 435382.04
          },
          {
            "month": "2022-08",
            "amount": 441641
          },
          {
            "month": "2022-09",
            "amount": 887077.23
          },
          {
            "month": "2022-10",
            "amount": 2865271.81
          },
          {
            "month": "2022-11",
            "amount": 517671.61
          },
          {
            "month": "2022-12",
            "amount": 170571.43
          }
        ],
        "averageMonthlyDebit": [
          {
            "month": "2022-10",
            "amount": 325792.35
          },
          {
            "month": "2022-11",
            "amount": 58029.79
          },
          {
            "month": "2022-12",
            "amount": 20514.19
          },
          {
            "month": "2022-07",
            "amount": 29270.42
          },
          {
            "month": "2022-08",
            "amount": 31636.97
          },
          {
            "month": "2022-09",
            "amount": 66421.64
          }
        ]
      },
      "incomeAnalysis": {
        "salaryEarner": "Yes",
        "medianIncome": 150000,
        "averageOtherIncome": 235800,
        "expectedSalaryDay": 24,
        "lastSalaryDate": "2022-12-09",
        "averageSalary": 3231388.91,
        "confidenceIntervalonSalaryDetection": 0.23,
        "salaryFrequency": ">1",
        "numberSalaryPayments": 18,
        "numberOtherIncomePayments": 5,
        "gigWorker": "No"
      },
      "spendAnalysis": {
        "averageRecurringExpense": 4062201.68,
        "hasRecurringExpense": "Yes",
        "averageMonthlyExpenses": 11863208.24,
        "expenseChannels": [
          {
            "key": "atmSpend",
            "value": 46950.83
          },
          {
            "key": "webSpend",
            "value": 535923.42
          },
          {
            "key": "posSpend",
            "value": 20026.87
          },
          {
            "key": "ussdTransactions",
            "value": 329848.35
          },
          {
            "key": "mobileSpend",
            "value": 388234.41
          },
          {
            "key": "spendOnTransfers",
            "value": 5376211.06
          },
          {
            "key": "internationalTransactionsSpend",
            "value": 0
          }
        ],
        "expenseCategories": [
          {
            "key": "bills",
            "value": 123790.6
          },
          {
            "key": "entertainment",
            "value": 106600
          },
          {
            "key": "savingsAndInvestments",
            "value": 1700053.75
          },
          {
            "key": "gambling",
            "value": 0
          },
          {
            "key": "airtime",
            "value": 2961.05
          },
          {
            "key": "bankCharges",
            "value": 49158.47
          },
          {
            "key": "chequeWithdrawal",
            "value": 0
          },
          {
            "key": "cashWithdrawal",
            "value": 55266.67
          },
          {
            "key": "shopping",
            "value": 11419
          },
          {
            "key": "eatingOut",
            "value": 136087.65
          }
        ]
      },
      "transactionPatternAnalysis": {
        "MAWWZeroBalanceInAccount": {
          "month": null,
          "week_of_month": 0
        },
        "NODWBalanceLess5000": 15,
        "NODWBalanceLess": {
          "amount": 5000,
          "count": 15
        },
        "highestMAWOCredit": {
          "month": "October",
          "week_of_month": 5
        },
        "highestMAWODebit": {
          "month": "October",
          "week_of_month": 5
        },
        "lastDateOfCredit": "2022-12-10",
        "lastDateOfDebit": "2022-12-10",
        "mostFrequentBalanceRange": "100000-500000",
        "mostFrequentTransactionRange": "<10000",
        "recurringExpense": [
          {
            "amount": 13000,
            "description": "NIBSS Instant Payment Outward 000013220704121742000310328977 USSD NIP Transfer from 08066677074 TO THADDEUS OLASUBOMI BABAOYE /26.88/6.98\\ from BABAOYE OLASUBOMI THADDEUS "
          },
          {
            "amount": 10000,
            "description": "TRANSFER BETWEEN CUSTOMERS Via USSD GTBank Transfer 000000002010180456208073371400000 10000202207151149/21.5/6.98V from BABAOYE OLASUBOMI THADDEUS to AGBOOLA, TOBA JOHN "
          },
          {
            "amount": 100000,
            "description": "TRANSFER BETWEEN CUSTOMERS via Internet Banking Mr. Andrew Chinyere from BABAOYE OLASUBOMI THADDEUS to BABAOYE ADENIKE BOSEDE "
          }
        ],
        "transactionsBetween100000And500000": 74,
        "transactionsBetween10000And100000": 224,
        "transactionsGreater500000": 36,
        "transactionsLess10000": 697,
        "transactionRanges": [
          {
            "min": 10000,
            "max": 100000,
            "count": 224
          },
          {
            "min": 100000,
            "max": 500000,
            "count": 74
          },
          {
            "min": null,
            "max": 10000,
            "count": 697
          },
          {
            "min": 500000,
            "max": null,
            "count": 36
          }
        ]
      },
      "accountDetails": {}
    }
  }
}

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