Via PDF Format

Step 1: Extracting the PDF Bank Statement

To successfully extract the PDF bank statement (SME) please follow these steps:

Endpoint: https://api.indicina.co/api/v3/client/pdf/extract

Method: POST

Authentication:Bearer <Token>

Content Type:multipart/form-data

bank_code (text): The bank code value of the statement.
currency (text): The currency value of the bank statement (e.g., NGN).
request_type (text): Set this to score.
customer_id (text): Enter your unique customer ID.
pdf (file): Upload the bank statement file in PDF format.
model_name (text): Set this to bsp-sme

Response

Copy the extracted jobId, as it will be used for analyzing the extracted PDF statement.

Step 1: Analyze the extracted SME Bank Statement

Passing Header Params

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

Method: GET

Authentication:Bearer <Token>

Sample Response:

{
    "status": "success",
    "data": {
        "jobId": "2c4d3e256cc2a31957e3a5b6d1b3f877356c859310129f4c8392c2298ba4b574",
        "scoreCardIds": null,
        "status": "DONE",
        "message": "",
        "decideResponse": {
            "data": {
                "spendAnalysis": {
                    "bills": 3062,
                    "webSpend": 11116.67,
                    "bankCharges": 125,
                    "hasRecurringExpense": "Yes",
                    "savingsAndInvestments": 0,
                    "averageMonthlyExpenses": 44329.25,
                    "averageRecurringExpense": 17250,
                    "internationalTransactionsSpend": 0
                },
                "accountDetails": {
                    "accountName": {
                        "value": "ADMOLL DUMMY DOE",
                        "confidence": 1
                    },
                    "accountNumber": {
                        "value": "0411133383",
                        "confidence": 1
                    }
                },
                "incomeAnalysis": {
                    "medianMonthlyTransaction": 5025,
                    "averageMonthlyTransaction": 74187.5
                },
                "cashFlowAnalysis": {
                    "netRevenue": 29858.25,
                    "monthPeriod": "September - December",
                    "averageDebits": 3770.03,
                    "averageBalance": 13490.03,
                    "averageCredits": 9312.8,
                    "closingBalance": 84.01,
                    "accountActivity": 0.4,
                    "yearInStatement": "2020",
                    "maxEmiEligibility": 2217.11,
                    "emiConfidenceScore": 0.49,
                    "totalDebitTurnover": 297017,
                    "totalCreditTurnover": 296750,
                    "noOfTransactingMonths": 4
                },
                "behaviouralAnalysis": {
                    "loanAmount": 0,
                    "accountSweep": "No",
                    "topDepositor": "no top transfer account found",
                    "loanInflowRate": 0,
                    "inflowOutflowRate": "Neutral Cash Flow",
                    "loanRepaymentInflowRate": 0,
                    "topTransferRecipientAccount": "ADMOLL MARY DOE"
                },
                "transactionPatternAnalysis": {
                    "lastDateOfDebit": "2020-12-24",
                    "highestMAWODebit": {
                        "month": "October",
                        "week_of_month": 1
                    },
                    "lastDateOfCredit": "2020-12-23",
                    "recurringExpense": [
                        {
                            "amount": 1100,
                            "description": "NIBSS Instant Payment Outward 000013201103155741000234234802 USSD NIP Transfer from 080000000123 TO ADMOLL/DOE FAITH-DOE ADMOLL REF:000013201103155741222222576802 "
                        }
                    ],
                    "highestMAWOCredit": {
                        "month": "October",
                        "week_of_month": 1
                    },
                    "NODWBalanceLess5000": 38,
                    "transactionsLess10000": 102,
                    "MAWWZeroBalanceInAccount": null,
                    "mostFrequentBalanceRange": "< 10,000",
                    "transactionsGreater500000": 0,
                    "mostFrequentTransactionRange": "< 10,000",
                    "transactionsBetween10000And100000": 15,
                    "transactionsBetween100000And500000": 1
                }
            },
            "status": "success",
            "message": ""
        }
    }
}