Via CSV/XLS

A new addition to various analysis options you have is via the CSV/XLS file.

The request body will be passed in as form data and not as raw_json data. The request body contains customer's CSV/XLS statement alongside customer ID.

Request Body

"customer_id": "kayTesting1"
"fileStatement": test(7).xls

Upon successful request, if the status is DONE, you should receive a response that looks like below, containing all the different Decide variables inside the data.analysis object and the ID.

Request BodyResponse

{
  "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": 115628.34999999998,
      "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": "2021-07",
          "amount": 200000
        },
        {
          "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
        }
      ],
      "totalMonthlyDebit": [
        {
          "month": "2021-10",
          "amount": 139121.19
        },
        {
          "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
        }
      ],
      "averageMonthlyCredit": [
        {
          "month": "2021-07",
          "amount": 200000
        },
        {
          "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
        }
      ],
      "averageMonthlyDebit": [
        {
          "month": "2021-10",
          "amount": 8183.6
        },
        {
          "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
        }
      ]
    },
    "incomeAnalysis": {
      "salaryEarner": "No",
      "pensioner": "No",
      "medianIncome": 200000,
      "averageOtherIncome": 316214.29,
      "expectedSalaryDay": 0,
      "lastSalaryDate": null,
      "averageSalary": 0,
      "dsr": 0,
      "confidenceIntervalonSalaryDetection": 0,
      "salaryFrequency": null,
      "numberSalaryPayments": 0,
      "numberOtherIncomePayments": 9,
      "gigWorker": "Yes",
      "microSME": ""
    },
    "spendAnalysis": {
      "averageRecurringExpense": 0,
      "hasRecurringExpense": "No",
      "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": 0,
          "description": "null"
        }
      ],
      "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
        }
      ]
    },
    "breakdowns": [
      {
        "name": "salary",
        "values": [
          {
            "date": "2023-11",
            "amount": 20000
          },
          {
            "date": "2023-12",
            "amount": 20000
          },
          {
            "date": "2024-01",
            "amount": 20000
          },
          {
            "date": "2024-02",
            "amount": 20000
          },
          {
            "date": "2024-03",
            "amount": 20000
          },
          {
            "date": "2024-04",
            "amount": 20000
          }
        ]
      },
      {
        "name": "otherIncome",
        "values": [
          {
            "date": "2023-11",
            "amount": 20000.06
          },
          {
            "date": "2023-12",
            "amount": 20000.06
          },
          {
            "date": "2024-03",
            "amount": 20000.06
          }
        ]
      },
      {
        "name": "loan",
        "values": [
          {
            "date": "2024-02",
            "amount": 20000
          },
          {
            "date": "2024-03",
            "amount": 20000
          }
        ]
      },
      {
        "name": "loanRepayment",
        "values": [
          {
            "date": "2023-11",
            "amount": 20000.88
          },
          {
            "date": "2024-02",
            "amount": 20000
          },
          {
            "date": "2024-03",
            "amount": 20000
          }
        ]
      }
    ],
    "id": "e07df36aa20091d4de972c59ee610480d903bba8d9748910a70af7a476496eef119d6f466972d71ae6d4555b4128651c147cc0ef5f53c99ad4dcf62b04330baf"
  }
}

Indicina Documentation

Via CSV/XLS

Analytics

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