Via CSV/XLS Format
- Philip Awopetu (Unlicensed)
Owned by Philip Awopetu (Unlicensed)
Last updated: Apr 08, 2025
For this method, the request body should be passed as form data rather than raw JSON. The body will include the customer's CSV/XLS bank statement and their customer ID.
Endpoint: https://api.indicina.co/api/v3/client/bsp/file
Method: POST
Authentication:Bearer <Token>
Content Type:Application/json
Sample Request Body:
"customer_id": "Sample CSV"
"fileStatement": Sample_CSV_Format_Bank_Statement.csv
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.
Sample Response:
{
"data": {
"country": "Nigeria",
"currency": "NGN",
"behaviouralAnalysis": {
"accountSweep": "Yes",
"gamblingRate": 0,
"inflowOutflowRate": "Negative Cash Flow",
"loanAmount": 14200,
"loanInflowRate": 0,
"loanRepaymentInflowRate": 0.01,
"loanRepayments": 13751,
"lateLoanRepayments": 0,
"returnedCheque": 0,
"cardRequests": 0,
"topIncomingTransferAccount": "08",
"topTransferRecipientAccount": "Kuda-",
"selfTransferActivity": 0
},
"cashFlowAnalysis": {
"accountActivity": 0.19,
"averageBalance": 0,
"creditCount": 24,
"debitCount": 148,
"averageCredits": 269926.2,
"averageDebits": 43771.568,
"openingBalance": 1.15,
"closingBalance": 0,
"firstDay": "2024-08-01",
"lastDay": "2025-02-03",
"monthPeriod": "August - February",
"netAverageMonthlyEarnings": 688208.53,
"noOfTransactingMonths": 7,
"totalCreditTurnover": 6478228.81,
"totalDebitTurnover": 6478192.06,
"harmonicMeanCR": 13.35,
"harmonicMeanDR": 3.52,
"yearInStatement": "2024,2025",
"maxEmiEligibility": 74631,
"affordability": 154248.79,
"emiConfidenceScore": 0.06,
"totalMonthlyCredit": [
{
"month": "2024-08",
"amount": 55001.18
},
{
"month": "2024-09",
"amount": 750051.76
},
{
"month": "2024-10",
"amount": 1195596.26
},
{
"month": "2024-11",
"amount": 3629442.45
},
{
"month": "2024-12",
"amount": 62001.16
},
{
"month": "2025-01",
"amount": 786136
}
],
"totalMonthlyDebit": [
{
"month": "2024-08",
"amount": 1.27
},
{
"month": "2024-09",
"amount": 805088.52
},
{
"month": "2024-10",
"amount": 1195435.94
},
{
"month": "2024-11",
"amount": 3629594.55
},
{
"month": "2024-12",
"amount": 62103.09
},
{
"month": "2025-01",
"amount": 785940.77
},
{
"month": "2025-02",
"amount": 27.92
}
],
"averageMonthlyCredit": [
{
"month": "2024-08",
"amount": 27500.59
},
{
"month": "2024-09",
"amount": 750051.76
},
{
"month": "2024-10",
"amount": 199266.04
},
{
"month": "2024-11",
"amount": 403271.38
},
{
"month": "2024-12",
"amount": 15500.29
},
{
"month": "2025-01",
"amount": 393068
}
],
"averageMonthlyDebit": [
{
"month": "2024-08",
"amount": 0.64
},
{
"month": "2024-09",
"amount": 32203.54
},
{
"month": "2024-10",
"amount": 44275.41
},
{
"month": "2024-11",
"amount": 65992.63
},
{
"month": "2024-12",
"amount": 4435.93
},
{
"month": "2025-01",
"amount": 37425.75
},
{
"month": "2025-02",
"amount": 6.98
}
]
},
"incomeAnalysis": {
"salaryEarner": "Yes",
"pensioner": "No",
"averagePension": 0,
"medianIncome": 100000,
"averageOtherIncome": 92625,
"expectedSalaryDay": 27,
"lastSalaryDate": "2025-01-27",
"averageSalary": 1521039.54,
"dsr": 0.01,
"confidenceIntervalonSalaryDetection": 0.08,
"salaryFrequency": "1",
"numberSalaryPayments": 3,
"salaryRecency": 71,
"numberSalaryInLast3Months": 1,
"numberSalaryInLast4Months": 1,
"numberOtherIncomePayments": 8,
"gigWorker": "No",
"microSME": "No"
},
"spendAnalysis": {
"averageRecurringExpense": 783085.71,
"hasRecurringExpense": "Yes",
"averageMonthlyExpenses": 925456.01,
"expenseChannels": [
{
"key": "atmSpend",
"value": 592.5
},
{
"key": "webSpend",
"value": 0
},
{
"key": "posSpend",
"value": 0
},
{
"key": "ussdTransactions",
"value": 31.41
},
{
"key": "mobileSpend",
"value": 1101440.41
},
{
"key": "spendOnTransfers",
"value": 1096916.41
},
{
"key": "internationalTransactionsSpend",
"value": 0
}
],
"expenseCategories": [
{
"key": "bills",
"value": 7000.43
},
{
"key": "entertainment",
"value": 0
},
{
"key": "savingsAndInvestments",
"value": 80000
},
{
"key": "gambling",
"value": 0
},
{
"key": "airtime",
"value": 415.94
},
{
"key": "bankCharges",
"value": 224.64
},
{
"key": "chequeWithdrawal",
"value": 0
},
{
"key": "cashWithdrawal",
"value": 0
},
{
"key": "shopping",
"value": 0
},
{
"key": "eatingOut",
"value": 0
}
]
},
"transactionPatternAnalysis": {
"MAWWZeroBalanceInAccount": {
"month": "August",
"week_of_month": 31
},
"NODWBalanceLess5000": 41,
"NODWBalanceLess": {
"amount": 5000,
"count": 41
},
"highestMAWOCredit": {
"month": "November",
"week_of_month": 5
},
"highestMAWODebit": {
"month": "November",
"week_of_month": 5
},
"lastDateOfCredit": "2025-01-31",
"lastDateOfDebit": "2025-02-03",
"mostFrequentBalanceRange": "<10000",
"mostFrequentTransactionRange": "<10000",
"recurringExpense": [
{
"amount": 500000,
"description": "alat nip transfer to paystack-titan-"
}
],
"transactionsBetween100000And500000": 13,
"transactionsBetween10000And100000": 19,
"transactionsGreater500000": 8,
"transactionsLess10000": 132,
"transactionRanges": [
{
"min": 10000,
"max": 100000,
"count": 19
},
{
"min": 100000,
"max": 500000,
"count": 13
},
{
"min": null,
"max": 10000,
"count": 132
},
{
"min": 500000,
"max": null,
"count": 8
}
]
},
"statementAccuracy": {
"checks": {
"balanceAccuracy": false,
"airtimeOutlier": false,
"transactionFeeOutlier": true
}
},
"breakdowns": [
{
"name": "salary",
"values": [
{
"date": "2024-09",
"amount": 750051.76
},
{
"date": "2024-11",
"amount": 3041130.85
},
{
"date": "2025-01",
"amount": 771936
}
]
},
{
"name": "otherIncome",
"values": [
{
"date": "2024-08",
"amount": 110000
},
{
"date": "2024-10",
"amount": 631000
}
]
},
{
"name": "individualSalary",
"values": [
{
"date": "2024-09-26",
"amount": 750051.76
},
{
"date": "2024-11-27",
"amount": 3041130.85
},
{
"date": "2025-01-27",
"amount": 771936
}
]
},
{
"name": "loan",
"values": [
{
"date": "2025-01",
"amount": 14200
}
]
},
{
"name": "loanRepayment",
"values": [
{
"date": "2024-08",
"amount": 1.15
},
{
"date": "2024-09",
"amount": 54778.89
},
{
"date": "2024-10",
"amount": 0.31
},
{
"date": "2025-01",
"amount": 223.65
}
]
}
],
"id": "1d6d8abb-11f6-40e9-8a16-5d1664f38890",
"reference": "IND-20250409-16593108-SZUT",
"scorecardResults": []
},
"status": "success"
}
, multiple selections available,