Perform credit analysis and get detailed reports
Credit check API services provide businesses access to tools and data to perform credit assessments on individuals or businesses. These APIs facilitate the retrieval of credit-related information and analysis to assess creditworthiness, financial stability, and potential risks associated with lending or providing services to a customer.
User consent is the primary requirement to access any services in Open Banking. The user or account holder grants explicit consent to a Third-Party to access their financial data. This consent is given through a secure, multi-factor authentication process to verify the user's identity.
The consent request must include the following details:
Endpoint |
Value |
Value |
|---|---|---|
|
|
|
Check Consent Management for more details to create, view, and revoke consents.
Endpoint URL | Method | Authentication requirements |
|---|---|---|
| POST |
|
{
"dateTimeStamp": "2024-12-31T10:40:00+02:00",
"requestID": "df797efb-b588-4234-8ae1-5cb748559830",
"merchantId": "APIS-300505",
"fromDate": "2016-01-01T10:40:00+02:00",
"toDate": "2025-12-31T10:40:00+02:00",
"creditCheck" : true,
"banks": [
{
"code": "SVMB01",
"consentId":"urn:SVMB01:kac-5a166b7d-8cdb-443a-a67a-80ad7a5b95b3"
}
]
}Request description
JSON Tag | Requirement | Description | Data type |
|---|---|---|---|
DateTimeStamp | Mandatory | Stamp denoting the date and time of the request | Date |
RequestID | Mandatory | Unique request identification | Alphanumeric |
merchantId | Mandatory | Unique merchant identification | Alphanumeric |
fromDate | Mandatory | Initial date of transaction period | Date |
toDate | Mandatory | Final date of transaction period | Date |
creditCheck | Mandatory | Credit check service tag to be denoted as | Boolean |
banks | Mandatory | Array of banks and consents | Object |
code | Mandatory | Unique bank identification code | Alphanumeric |
consentId | Mandatory | Unique consent identification | String |
{
"payload": {
"success": true,
"payload": [
{
"code": "SVMB01",
"consentId": "urn:SVMB01:kac-9cdb403a-231f-4da5-88dd-cc961163026c",
"data": {
"account": [
{
"accountId": "100004000000000000000002",
"accountHolderName": "Mitsuhirato",
"accountHolderShortName": "Mitsuhirato",
"status": "Active",
"currency": "SAR",
"nickname": "Mitsuhirato",
"accountType": "KSAOB.Retail",
"accountSubType": "CurrentAccount",
"accountIdentifiers": [
{
"identificationType": "KSAOB.IBAN",
"identification": "10000109010102",
"name": "Luigi International"
},
{
"identificationType": "KSAOB.IBAN",
"identification": "10000109010102",
"name": "Luigi International"
}
],
"servicer": {
"identificationType": "KSAOB.BICFI",
"identification": "10000109010101"
},
"statusUpdateDateTime": "2023-02-01T16:37:00.980Z",
"description": "Account sub-type description",
"openingDate": "2022-04-08T16:37:00.980Z",
"maturityDate": "2023-11-29T16:37:00.980Z",
"transactions": []
},
{
"accountId": "100004000000000000000003",
"accountHolderName": "Mitsuhirato",
"accountHolderShortName": "Mitsuhirato",
"status": "Active",
"currency": "SAR",
"nickname": "Mitsuhirato",
"accountType": "KSAOB.Retail",
"accountSubType": "CurrentAccount",
"accountIdentifiers": [
{
"identificationType": "KSAOB.IBAN",
"identification": "10000109010103",
"name": "Mario International"
},
{
"identificationType": "KSAOB.IBAN",
"identification": "10000109010103",
"name": "Mario International"
}
],
"servicer": {
"identificationType": "KSAOB.BICFI",
"identification": "10000109010101"
},
"statusUpdateDateTime": "2023-02-01T16:37:00.981Z",
"description": "Account sub-type description",
"openingDate": "2022-04-08T16:37:00.981Z",
"maturityDate": "2023-11-29T16:37:00.981Z",
"transactions": []
}
]
},
"links": {
"self": "https://rs1.lab.SVMB01.sa/open-banking/account-information/2022.11.01-final-errata2/accounts"
},
"meta": {
"totalPages": 1
}
}
],
"creditRiskAssessment": {
"creditScore": 581,
"periodOfMonths": 12,
"applicantType": "Near Prime",
"creditLendRisk": "Moderate risk",
"description": "User generally exhibits behviour which suggest an inability to repay credit, but also some postive behaviours",
"incomeCategories": [
{
"code": "AVGSALRY",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Avg Month Salary Amount"
},
{
"code": "OTHRINCM",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Other Regular Income"
},
{
"code": "SLRYCONS",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Salary/Income Consistency"
},
{
"code": "SLRYFREQ",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Salary Frequency"
}
],
"expenseCategories": [
{
"code": "ESSPORIN",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Essential Spend as % of Regular Income"
},
{
"code": "ESSAVRGE",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Avg Monthly Essential Spend"
},
{
"code": "NONESAVG",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Avg Non Essential Spend Amount"
},
{
"code": "NONESREG",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Non Essential Spend Regularity"
}
],
"balanceDetails": [
{
"code": "NODINNEBAL",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "No of days in negative balance"
},
{
"code": "AVGAVTOSP",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Avg Monthly Available to Spend"
},
{
"code": "AVGMNENDBAL",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Average Monthly End Balance"
}
],
"financialObiligations": [
{
"code": "EVDFINOB",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of recent financial obligations"
},
{
"code": "MNTLOREP",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Monthly Loan Repayment as % of Income"
},
{
"code": "MNTCCREP",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Monthly Credit Card Repayment as % of Income"
},
{
"code": "UNIQLOAN",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Number of Unique Loans"
},
{
"code": "UNQCARDS",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "No of Unique Credit Cards"
}
],
"others": [
{
"code": "TDBINRAT",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Total Debt to Income Ratio"
},
{
"code": "EVDMPSUB",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of Missed Payments (Subscriptions)"
},
{
"code": "EVDMPUT",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of Missed Payments (Utilities/Telecom)"
},
{
"code": "EVDMPCC",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of Missed Payments (Credit Card)"
},
{
"code": "EVDMPMLR",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of Missed Payments (Mortage/Rent)"
},
{
"code": "EVDDBREC",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Evidence of Debt Recovery Payments"
},
{
"code": "RGSPINRAT",
"weightage": 1,
"weightagePercentage": 4.3478,
"attributeDetails": "Regular Spend to Regular Income Ratio"
}
],
"attibutesStatistics": {
"totalDebtToIncomeRatio": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Total Debt to Income Ratio",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 33.33333333333333,
"percentage": 40.06380904552303,
"attributeName": "TDBINRAT",
"totalDebtPayments": 13562,
"avgTotalDebtToIncome": 40.06380904552303,
"insights": [
{
"description": "Debt to Total Income %",
"value": 40.06380904552303
},
{
"description": "Highest Debt Repayment Catgegory",
"value": "Credit Card"
},
{
"description": "Avg monthly debt repayments Months 1-6",
"value": "0.00"
},
{
"description": "Avg monthly debt repayments Months 7-12",
"value": "55.04"
}
]
},
"avgMonthlyAvailableToSpend": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Avg Monthly Available to Spend",
"attributeScore": 0,
"weightedAttributeScore": 0,
"percentAgeOfMaxScore": 0,
"amount": -8464.333333333334,
"attributeName": "AVGAVTOSP",
"overAllIncomeCredited": 33851,
"overAllExpenseDebited": 135423,
"avgAvailToSpend": -8464.333333333334,
"insights": [
{
"description": "Avg Monthly Balance Months 1-6",
"value": "0.00"
},
{
"description": "Avg Monthly Balance Months 7-12",
"value": "0.00"
},
{
"description": "Month of the highest balance(SAR)",
"value": "1829.00"
},
{
"description": "Month of lowest balance(SAR)",
"value": "1829.00"
}
]
},
"avgMonthlyEndBalance": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Average Monthly End Balance",
"attributeScore": 0,
"weightedAttributeScore": 0,
"percentAgeOfMaxScore": 0,
"amount": -8464.333333333334,
"attributeName": "AVGMNENDBAL",
"overAllIncomeCredited": 33851,
"overAllExpenseDebited": 135423,
"avgMonthEndBal": -8464.333333333334,
"insights": [
{
"description": "Avg Monthly Balance Months 1-6",
"value": "0.00"
},
{
"description": "Avg Monthly Balance Months 7-12",
"value": "0.00"
},
{
"description": "Month of the highest balance(SAR)",
"value": "1829.00"
},
{
"description": "Month of lowest balance(SAR)",
"value": "1829.00"
}
]
},
"evidenceOfMissedPaymentSubscriptions": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 1,
"attributeDetails": "Evidence of Missed Payments (Subscriptions)",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "EVDMPSUB",
"overAllSubscriptionMissedPaymentCount": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
]
},
"evidenceOfMissedPaymentUtilities": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 1,
"attributeDetails": "Evidence of Missed Payments (Utilities/Telecom)",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "EVDMPUT",
"overAllUtilitiesMissedPaymentCount": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
]
},
"evidenceOfMissedPaymentCreditCard": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 1,
"attributeDetails": "Evidence of Missed Payments (Credit Card)",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "EVDMPCC",
"overAllCreditCardMissedPaymentCount": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
]
},
"evidenceOfMissedPaymentLoan": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 1,
"attributeDetails": "Evidence of Missed Payments (Mortage/Rent)",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "EVDMPMLR",
"overAllLoanMissedPaymentCount": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
]
},
"recentFinancialObligation": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Evidence of recent financial obligations",
"attributeScore": 3,
"weightedAttributeScore": 3,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "EVDFINOB",
"finObCount": 0,
"insights": [
{
"description": "Number of New Credit Cards",
"value": "0.00"
},
{
"description": "Number of New Loans",
"value": "0.00"
},
{
"description": "Total Number of Unique CC aggrements",
"value": "0.00"
},
{
"description": "Total Number of Unique Loan aggrements",
"value": "0.00"
}
]
},
"essentialSpendOnRegularIncome": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Essential Spend as % of Regular Income",
"attributeScore": 2,
"weightedAttributeScore": 2,
"percentAgeOfMaxScore": 66.66666666666666,
"percentage": 0.09748604177129185,
"attributeName": "ESSPORIN",
"overAllEssentailSpendDebitedCount": 33,
"avgEsIn": 0.09748604177129185,
"insights": [
{
"description": "Essential Spend as % of Regular income Over period",
"value": "0.10"
},
{
"description": "Average Monthly Essential Spend vs Regular Income",
"value": "197.72"
},
{
"description": "Average Monthly Essential Spend vs Regular Income Months 1-6",
"value": "328.29"
},
{
"description": "Average Monthly Essential Spend vs Regular Income Months 7-12",
"value": "148.93"
}
]
},
"loanRepaymentOnRegularIncome": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Monthly Loan Repayment as % of Income",
"attributeScore": 3,
"weightedAttributeScore": 3,
"percentAgeOfMaxScore": 100,
"percentage": 0,
"attributeName": "MNTLOREP",
"overAllLoanRepaymentSpendDebited": 0,
"avgLoanRp": 0,
"insights": [
{
"description": "Number of New loans",
"value": "0.00"
},
{
"description": "Average monthly loan repayment amount",
"value": "0.00"
},
{
"description": "Average Monthly Loan Repayment % of Regular Income Months 1-6",
"value": "0.00"
},
{
"description": "Average Monthly Loan Repayment % of Regular Income Months 7-12",
"value": "0.00"
}
]
},
"creditCardRepaymentOnRegularIncome": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Monthly Credit Card Repayment as % of Income",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 33.33333333333333,
"percentage": 40.06380904552303,
"attributeName": "MNTCCREP",
"overAllCreditCardRepaymentSpendDebited": 13562,
"avgCcrp": 40.06380904552303,
"insights": [
{
"description": "CC repayment amount as % of regular income",
"value": "40.06"
},
{
"description": "Average monthly Credit Card repayment amount",
"value": "1130.17"
},
{
"description": "Average Monthly Credit Card Repayment % of Regular Income Months 1-6",
"value": "0.00"
},
{
"description": "Average Monthly Credit Card Repayment % of Regular Income Months 7-12",
"value": "0.55"
}
]
},
"uniqueLoans": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Number of Unique Loans",
"attributeScore": 4,
"weightedAttributeScore": 4,
"percentAgeOfMaxScore": 133.33333333333331,
"count": 0,
"attributeName": "UNIQLOAN",
"overAllUniqueLoan": 0,
"insights": [
{
"description": "Number of Unique Loans",
"value": 0
},
{
"description": "Total average value of monthly loan repayments",
"value": "0.00"
},
{
"description": "Total Loans Months 1-6",
"value": 0
},
{
"description": "Total Loans Months 7-12",
"value": 0
}
]
},
"uniqueCreditCards": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 4,
"attributeDetails": "No of Unique Credit Cards",
"attributeScore": 4,
"weightedAttributeScore": 4,
"percentAgeOfMaxScore": 100,
"count": 0,
"attributeName": "UNQCARDS",
"overAllUniqueCreditCard": 0,
"insights": [
{
"description": "Number of Unique Credit Cards",
"value": 0
},
{
"description": "Total average value of monthly Credit Card repayments",
"value": "1130.17"
},
{
"description": "Total Credit Cards Months 1-6",
"value": 0
},
{
"description": "Total Credit Cards Months 7-12",
"value": 0
}
]
},
"avgMonthlyEssentialSpend": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 4,
"attributeDetails": "Avg Monthly Essential Spend",
"attributeScore": 0,
"weightedAttributeScore": 0,
"percentAgeOfMaxScore": 0,
"amount": 5577.583333333333,
"attributeName": "ESSAVRGE",
"overAllEssentailSpendDebited": 66931,
"periodOfMonths": 12,
"avgEsp": 5577.583333333333,
"insights": [
{
"description": "Total average monthly essential spend",
"value": "5577.58"
},
{
"description": "Top essential spend category",
"value": "Member Financial Institution–Merchandise And Services(9382)"
},
{
"description": "Average monthly essential spend Month 1-6",
"value": "5038.67"
},
{
"description": "Average monthly essential spend Month 7-12",
"value": "6116.50"
}
]
},
"avgMonthlyNonEssentialSpend": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 4,
"attributeDetails": "Avg Non Essential Spend Amount",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 25,
"amount": 558.5,
"attributeName": "NONESAVG",
"overAllNonEssentailSpendDebited": 6702,
"periodOfMonths": 12,
"avgNesp": 558.5,
"insights": [
{
"description": "Total average monthly non essential spend",
"value": "558.50"
},
{
"description": "Top non essential spend category",
"value": "Eating Places and Restaurants(4279)"
},
{
"description": "Highest non essential transacting month",
"value": "Apr 24 - 2890 SAR"
},
{
"description": "Total Non Essential spend as a % of total spend",
"value": "4.95"
}
]
},
"nonEssentialSpendRegularity": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 4,
"attributeDetails": "Non Essential Spend Regularity",
"attributeScore": 4,
"weightedAttributeScore": 4,
"percentAgeOfMaxScore": 100,
"percentage": 0,
"attributeName": "NONESREG",
"overAllNonEssentailSpendDebited": 6702,
"periodOfMonths": 12,
"avgNesp": 558.5,
"nonEssentialSpend": 0,
"insights": [
{
"description": "Regularity of non essential spend (12 months out of total period)",
"value": "4/12"
},
{
"description": "Total number of months with non essential spend",
"value": 4
},
{
"description": "Most frequent non essential spend category",
"value": "Eating Places and Restaurants"
},
{
"description": "Most frequent category number of transactions per month",
"value": "1"
}
]
},
"avgMonthSalary": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 5,
"attributeDetails": "Avg Month Salary Amount",
"attributeScore": 1,
"weightedAttributeScore": 1,
"percentAgeOfMaxScore": 20,
"amount": 1527.8333333333333,
"attributeName": "AVGSALRY",
"overAllSalaryCredited": 18334,
"periodOfMonths": 12,
"avgSalary": 1527.8333333333333,
"insights": [
{
"description": "Monthly average salary",
"value": "1527.83"
},
{
"description": "Total Salary earned over the last 12 months",
"value": 18334
},
{
"description": "Average salary score vs lender requirment",
"value": "0/5"
},
{
"description": "Avg Salary in last 3 months",
"value": "0.00"
}
]
},
"otherRegularIncome": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Other Regular Income",
"attributeScore": 3,
"weightedAttributeScore": 3,
"percentAgeOfMaxScore": 100,
"amount": 1293.0833333333333,
"attributeName": "OTHRINCM",
"overAllOtherRegularIncomeCredited": 15517,
"periodOfMonths": 12,
"avgOtherIncome": 1293.0833333333333,
"insights": [
{
"description": "Monthly average other income",
"value": "1293.08"
},
{
"description": "Total Other Income over analysis period",
"value": "15517.00"
},
{
"description": "Highest source of other income over analysis period",
"value": "3237.00"
},
{
"description": "Avg Other Income in last 3 months",
"value": "427.67"
}
]
},
"salaryOrIncomeConsistency": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Salary/Income Consistency",
"attributeScore": 0,
"weightedAttributeScore": 0,
"percentAgeOfMaxScore": 0,
"percentage": 0.6366281911276243,
"attributeName": "SLRYCONS",
"overAllSalaryCredited": 33851,
"periodOfMonths": 12,
"avgSalayCons": 2820.9166666666665,
"salayCons": 0.6366281911276243,
"insights": [
{
"description": "Consistency of Salary (12 months of analysis period)",
"value": "2820.92"
},
{
"description": "Difference between highlight and lowest Salary",
"value": "6597.00"
},
{
"description": "Consistency of Salary months 1 - 6",
"value": "4/6"
},
{
"description": "Consistency of Salary months 7 - 12",
"value": "6/6"
}
]
},
"salaryRegularity": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Salary Frequency",
"attributeScore": 2,
"weightedAttributeScore": 2,
"percentAgeOfMaxScore": 66.66666666666666,
"percentage": 83.33333333333333,
"attributeName": "SLRYFREQ",
"overAllSalaryCredited": 18334,
"periodOfMonths": 12,
"avgSalayFreq": 1527.8333333333333,
"salayFreq": 83.33333333333333,
"insights": [
{
"description": "Regularity of Salary (12 months of analysis period)",
"value": "1527.83"
},
{
"description": "Number of consequtive months of salary received",
"value": "10/12"
},
{
"description": "Regularity of Salary months 1 - 6",
"value": "4/6"
},
{
"description": "Regularity of Salary months 7 - 12",
"value": "6/6"
}
]
},
"regularSpendToRegularIncomeRatio": {
"weightage": 1,
"weightagePercentage": 4.3478,
"maxScoreValue": 3,
"attributeDetails": "Regular Spend to Regular Income Ratio",
"attributeScore": 0,
"weightedAttributeScore": 0,
"percentAgeOfMaxScore": 0,
"percentage": 400.05612832708044,
"attributeName": "RGSPINRAT",
"overAllExpenseCredited": 33851,
"overAllExpenseDebited": 135423,
"avgRsToRIncome": 400.05612832708044,
"insights": [
{
"description": "Total regular spend to regular income ratio",
"value": "0:3"
},
{
"description": "Highest regulary spend Catgegory",
"value": "Member Financial Institution–Merchandise And Services"
},
{
"description": "Avg monthly spend to income ratio Months 1-6",
"value": "0:1"
},
{
"description": "Avg monthly spend to income ratio Months 7-12",
"value": "0:1"
}
]
}
},
"rankedPositiveAttributeList": [
{
"rankingValue": 2,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of Debt Recovery Payments",
"attributeName": "EVDDBREC",
"count": 0,
"insights": [
{
"description": "Number of New Credit Cards",
"value": "0.00"
},
{
"description": "Number of New Loans",
"value": "0.00"
},
{
"description": "Total Number of Unique CC aggrements",
"value": "0.00"
},
{
"description": "Total Number of Unique Loan aggrements",
"value": "0.00"
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 2,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of Missed Payments (Mortage/Rent)",
"attributeName": "EVDMPMLR",
"count": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 2,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of Missed Payments (Credit Card)",
"attributeName": "EVDMPCC",
"count": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 2,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of Missed Payments (Utilities/Telecom)",
"attributeName": "EVDMPUT",
"count": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 2,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of Missed Payments (Subscriptions)",
"attributeName": "EVDMPSUB",
"count": 0,
"insights": [
{
"description": "Number of payments made in period",
"value": "0.00"
},
{
"description": "Average monthly repayments",
"value": "0.00"
},
{
"description": "Highest Month of Spend",
"value": " - "
},
{
"description": "Lowest Month of Spend",
"value": " - "
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 2.6666666666666665,
"ranking": "POSITIVE",
"attributeDetails": "Salary Frequency",
"attributeName": "SLRYFREQ",
"percentage": 83.33333333333333,
"insights": [
{
"description": "Regularity of Salary (12 months of analysis period)",
"value": "1527.83"
},
{
"description": "Number of consequtive months of salary received",
"value": "10/12"
},
{
"description": "Regularity of Salary months 1 - 6",
"value": "4/6"
},
{
"description": "Regularity of Salary months 7 - 12",
"value": "6/6"
}
],
"rank": 6,
"tie": true
},
{
"rankingValue": 2.6666666666666665,
"ranking": "POSITIVE",
"attributeDetails": "Essential Spend as % of Regular Income",
"attributeName": "ESSPORIN",
"percentage": 0.09748604177129185,
"insights": [
{
"description": "Essential Spend as % of Regular income Over period",
"value": "0.10"
},
{
"description": "Average Monthly Essential Spend vs Regular Income",
"value": "197.72"
},
{
"description": "Average Monthly Essential Spend vs Regular Income Months 1-6",
"value": "328.29"
},
{
"description": "Average Monthly Essential Spend vs Regular Income Months 7-12",
"value": "148.93"
}
],
"rank": 6,
"tie": true
},
{
"rankingValue": 3,
"ranking": "POSITIVE",
"attributeDetails": "No of days in negative balance",
"attributeName": "NODINNEBAL",
"count": 0,
"insights": [
{
"description": "Avg monthly available to spend Months 1 - 6",
"value": 0
},
{
"description": "Avg monthly available to spend Months 7-12",
"value": 0
},
{
"description": "Highest monthly average expense category",
"value": 0
},
{
"description": "Highest monthly average amount",
"value": 0
}
],
"rank": 8
},
{
"rankingValue": 4,
"ranking": "POSITIVE",
"attributeDetails": "Other Regular Income",
"attributeName": "OTHRINCM",
"value": 1293.0833333333333,
"insights": [
{
"description": "Monthly average other income",
"value": "1293.08"
},
{
"description": "Total Other Income over analysis period",
"value": "15517.00"
},
{
"description": "Highest source of other income over analysis period",
"value": "3237.00"
},
{
"description": "Avg Other Income in last 3 months",
"value": "427.67"
}
],
"rank": 9,
"tie": true
},
{
"rankingValue": 4,
"ranking": "POSITIVE",
"attributeDetails": "Monthly Loan Repayment as % of Income",
"attributeName": "MNTLOREP",
"percentage": 0,
"insights": [
{
"description": "Number of New loans",
"value": "0.00"
},
{
"description": "Average monthly loan repayment amount",
"value": "0.00"
},
{
"description": "Average Monthly Loan Repayment % of Regular Income Months 1-6",
"value": "0.00"
},
{
"description": "Average Monthly Loan Repayment % of Regular Income Months 7-12",
"value": "0.00"
}
],
"rank": 9,
"tie": true
},
{
"rankingValue": 4,
"ranking": "POSITIVE",
"attributeDetails": "Evidence of recent financial obligations",
"attributeName": "EVDFINOB",
"count": 0,
"insights": [
{
"description": "Number of New Credit Cards",
"value": "0.00"
},
{
"description": "Number of New Loans",
"value": "0.00"
},
{
"description": "Total Number of Unique CC aggrements",
"value": "0.00"
},
{
"description": "Total Number of Unique Loan aggrements",
"value": "0.00"
}
],
"rank": 9,
"tie": true
},
{
"rankingValue": 5,
"ranking": "POSITIVE",
"attributeDetails": "Non Essential Spend Regularity",
"attributeName": "NONESREG",
"percentage": 0,
"insights": [
{
"description": "Regularity of non essential spend (12 months out of total period)",
"value": "4/12"
},
{
"description": "Total number of months with non essential spend",
"value": 4
},
{
"description": "Most frequent non essential spend category",
"value": "Eating Places and Restaurants"
},
{
"description": "Most frequent category number of transactions per month",
"value": "1"
}
],
"rank": 12,
"tie": true
},
{
"rankingValue": 5,
"ranking": "POSITIVE",
"attributeDetails": "No of Unique Credit Cards",
"attributeName": "UNQCARDS",
"count": 0,
"insights": [
{
"description": "Number of Unique Credit Cards",
"value": 0
},
{
"description": "Total average value of monthly Credit Card repayments",
"value": "1130.17"
},
{
"description": "Total Credit Cards Months 1-6",
"value": 0
},
{
"description": "Total Credit Cards Months 7-12",
"value": 0
}
],
"rank": 12,
"tie": true
},
{
"rankingValue": 5.333333333333333,
"ranking": "POSITIVE",
"attributeDetails": "Number of Unique Loans",
"attributeName": "UNIQLOAN",
"count": 0,
"insights": [
{
"description": "Number of Unique Loans",
"value": 0
},
{
"description": "Total average value of monthly loan repayments",
"value": "0.00"
},
{
"description": "Total Loans Months 1-6",
"value": 0
},
{
"description": "Total Loans Months 7-12",
"value": 0
}
],
"rank": 14
}
],
"rankedNegativeAttributeList": [
{
"rankingValue": 0,
"ranking": "NEGATIVE",
"attributeDetails": "Regular Spend to Regular Income Ratio",
"attributeName": "RGSPINRAT",
"percentage": 400.05612832708044,
"insights": [
{
"description": "Total regular spend to regular income ratio",
"value": "0:3"
},
{
"description": "Highest regulary spend Catgegory",
"value": "Member Financial Institution–Merchandise And Services"
},
{
"description": "Avg monthly spend to income ratio Months 1-6",
"value": "0:1"
},
{
"description": "Avg monthly spend to income ratio Months 7-12",
"value": "0:1"
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 0,
"ranking": "NEGATIVE",
"attributeDetails": "Avg Monthly Essential Spend",
"attributeName": "ESSAVRGE",
"value": 5577.583333333333,
"insights": [
{
"description": "Total average monthly essential spend",
"value": "5577.58"
},
{
"description": "Top essential spend category",
"value": "Member Financial Institution–Merchandise And Services(9382)"
},
{
"description": "Average monthly essential spend Month 1-6",
"value": "5038.67"
},
{
"description": "Average monthly essential spend Month 7-12",
"value": "6116.50"
}
],
"rank": 1,
"tie": true
},
{
"rankingValue": 1.2,
"ranking": "NEGATIVE",
"attributeDetails": "Avg Month Salary Amount",
"attributeName": "AVGSALRY",
"value": 1527.8333333333333,
"insights": [
{
"description": "Monthly average salary",
"value": "1527.83"
},
{
"description": "Total Salary earned over the last 12 months",
"value": 18334
},
{
"description": "Average salary score vs lender requirment",
"value": "0/5"
},
{
"description": "Avg Salary in last 3 months",
"value": "0.00"
}
],
"rank": 3
},
{
"rankingValue": 1.25,
"ranking": "NEGATIVE",
"attributeDetails": "Avg Non Essential Spend Amount",
"attributeName": "NONESAVG",
"value": 558.5,
"insights": [
{
"description": "Total average monthly non essential spend",
"value": "558.50"
},
{
"description": "Top non essential spend category",
"value": "Eating Places and Restaurants(4279)"
},
{
"description": "Highest non essential transacting month",
"value": "Apr 24 - 2890 SAR"
},
{
"description": "Total Non Essential spend as a % of total spend",
"value": "4.95"
}
],
"rank": 4
},
{
"rankingValue": 1.3333333333333333,
"ranking": "NEGATIVE",
"attributeDetails": "Monthly Credit Card Repayment as % of Income",
"attributeName": "MNTCCREP",
"percentage": 40.06380904552303,
"insights": [
{
"description": "CC repayment amount as % of regular income",
"value": "40.06"
},
{
"description": "Average monthly Credit Card repayment amount",
"value": "1130.17"
},
{
"description": "Average Monthly Credit Card Repayment % of Regular Income Months 1-6",
"value": "0.00"
},
{
"description": "Average Monthly Credit Card Repayment % of Regular Income Months 7-12",
"value": "0.55"
}
],
"rank": 5,
"tie": true
},
{
"rankingValue": 1.3333333333333333,
"ranking": "NEGATIVE",
"attributeDetails": "Total Debt to Income Ratio",
"attributeName": "TDBINRAT",
"percentage": 40.06380904552303,
"insights": [
{
"description": "Debt to Total Income %",
"value": 40.06380904552303
},
{
"description": "Highest Debt Repayment Catgegory",
"value": "Credit Card"
},
{
"description": "Avg monthly debt repayments Months 1-6",
"value": "0.00"
},
{
"description": "Avg monthly debt repayments Months 7-12",
"value": "55.04"
}
],
"rank": 5,
"tie": true
}
]
},
"banksDetail": [
{
"bankName": "SingleView Model Bank 1",
"bankCode": "SVMB01",
"logo": "/images/file-1658816552246-SVMB01_logo_en.png",
"imageUrl": "https://uatimages.onesingleview.com",
"thumbnail": "/images/file-1658816552246-253222.png"
}
]
}
}Response description
JSON Tag | Description |
|---|---|
success | Process success status represented as |
payload | Tag carrying the response information |
code | Unique bank identification code |
data | Tag carrying the response data of the accounts |
account | Tag carrying a specific account information |
accountId | Unique bank account identification code |
accountHolderName | Full name of the account holder |
accountHolderShortName | Short name of the account holder |
status | Current status of the account as |
currency | Default currency of the account |
nickname | Nickname of the account holder |
accountType | Type of the account |
accountSubType | Sub-type of the account |
accountIdentifiers | Account identifiers information tag |
identificationType | Type of account identification |
identification | Unique identification details |
name | Name of the account as per identification |
servicer | Account servicer details tag |
identificationType | Type of servicer account identification |
identification | Unique servicer identification details |
statusUpdateDateTime | Effective date and time of the last update of account information |
description | Description of the account information |
openingDate | Date of opening of the bank account |
maturityDate | Date of maturity of the bank account |
firstTxnsDate | Date of the first transaction included in the response |
lastTxnsDate | Date of the last transaction included in the response |
creditAnalysis | Tag carrying information about credit analysis of the accounts |
date | Credit analysis for the month |
noOfCredit | Number of credits to the account during the mentioned time |
valueOfCredit | Value of credits to the account for the mentioned time |
noOfCashDeposits | Number of cash deposits occurred during the mentioned time |
valueOfCashDeposits | Value of cash deposits for the mentioned time |
noOfExceptionalCredits | Number of exceptional credits for the month |
valueOfExceptionalCredits | Value of exceptional credits for the month |
noOfInwardTransferFromOwnAccounts | Number of inward transfers from own accounts during the month |
valueOfInwardTransferFromOwnAccounts | Value of inward transactions from own accounts during the month |
noOfInwardTransferFromGroupAccounts | Number of inwards transfers from group accounts during the month |
valueOfInwardTransferGroupOwnAccounts | Value of inward transfers from the group accounts during the month |
noOfOutwardReturn | Number of outward returns during the month |
valueOfOutwardReturn | Value of outward returns during the month |
noOfNetCredits | Number of net credits during the month |
valueOfNetCredits | Value of net credits during the month |
noOutwardReturnPercentOfTotalCredits | Number of outward return percent of total credits during the month |
valueOutwardReturnPercentOfTotalCredits | Value of outward return percent of total credits during the month |
debitAnalysis | Tag carrying information on debit analysis of the user |
balanceReport | Tag carrying information and report of the account balances |
date | Mentioned month and year |
avgBalanceOn5th10th15th20th25thLastDayOfMonth | Average balance maintained in the bank account during the dates 5, 10, 15, 20 and 25 of the month |
avgBalanceOn4th6th7th10th15th25thOfMonth | Average balance maintained in the bank account during the dates 4, 6, 7, 10, 15, and 25 of the month |
monthendBalance | Account balances during the month end |
avgBalanceOfMonth | Average balance in the account for the mentioned month |
otherConductAnalysis | Tag carrying information on other conduct analysis |
date | Mentioned month and year |
noOfOverdrawingInTheMonth | Total number of over-withdraws for the month |
noOfEmiReturn | Total number of EMI returns for the month |
valueOfEmiReturn | Total value of EMI returned during the month |
noOfPosTransactions | Number of POS transactions occurred during the mentioned month |
valueOfPosTransactions | Total value of POS transactions occurred during the month |
drawing | Total drawings for the month |
noOfEmiChequeReturn | Total number of cheque returns for the account during the month |
incomeReport | Tag carrying information on income |
date | Income of the mentioned month and year |
categories | Tag carrying information divided into categories of income |
category | Category of the income |
value | Value of the income |
count | Total counts of the specific income category for the month |
totalIncome | Total income for the month |
noOfTxns | Total number of income transactions for the month |
expenseReport | Tag carrying information on expenses for the month |
date | Month of the expense report |
categories | Tag carrying information on categories in the expense report |
category | Name of the specific category included in the report |
value | Category expense value for the month |
count | Number of expense counts for the specified category |
totalExpense | Total expenses amount for the month |
noOfTxns | Total number of transactions occurred for expenses during the month |
creditCardReport | Tag carrying information and report on credit card analysis |
date | Month and year of the analysis |
avgOutstandingOn5th10th15th20th25thLastDayOfMonth | Average outstanding credit on 5, 10, 15, 20 and 25 of the month |
avgOutstandingOn4th6th7th10th15th25thOfMonth | Average outstanding credit on 4, 6, 7, 10, 15 and 25 of the month |
avgPercentUsageLimit | Average percentage of credit usage for the month |
totalCreditLine | Total available credit line for the month |
totalOutstanding | Total billed outstanding for the month |
loanReport | Tag carrying information and report on loan analysis |
date | Month and year of the analysis |
noOfConsumerLoans | Number of consumer loans for the month |
valueOfConsumerLoans | Value of consumer loans for the month |
noOfPrincipalPaymentConsumerLoans | Number of principal payment consumer loans for the month |
valueOfPrincipalPaymentConsumerLoans | value of principal payment consumer loans for the month |
noOfFixedTermLoans | Number of fixed term loans for the month |
valueOfFixedTermLoans | Value of fixed terms loans for the month |
noOfPrincipalPaymentFixedTermLoans | Number of principal payment fixed term loans for the month |
valueOfPrincipalPaymentFixedTermLoans | Value of principal payment fixed terms loans for the month |
noOfMortgageLoans | Number of mortgage loans for the month |
valueOfMortgageLoans | Value of mortgage loans for the month |
noOfPrincipalPaymentMortgageLoans | Number of principal payment mortgage loans for the month |
valueOfPrincipalPaymentMortgageLoans | Value of principal payment mortgage loans for the month |
noOfNoticeLoans | Number of notice loans for the month |
valueOfNoticeLoans | Value of notice loans for the month |
noOfPrincipalPaymentNoticeLoans | Number of principal payment notice loans for the month |
valueOfPrincipalPaymentNoticeLoans | Value of principal payment notice loans for the month |
noOfSyndications | Number of syndications for the month |
valueOfSyndications | Value of syndications for the month |
noOfPrincipalPaymentSyndications | Number of principal payment syndications for the month |
valueOfPrincipalPaymentSyndications | Value of principal payment syndications for the month |
totalNoOfLoans | Total number of loans active for the month |
totalValueOfLoans | Total value of loans active for the month |
totalNoOfPrincipalPayments | Total number of principal payments active for the month |
totalValueOfPrincipalPayments | Total value of principal payments active for the month |
links | Redirect link |
self | Own redirect link/URL |
meta | Meta tag |
totalPages | Response information displayed in terms of page length |
bankBalanceReport | Tag carrying information and report on bank balances |
date | Month and year of the analysis |
avgBalanceOn5th10th15th20th25thLastDayOfMonth | Average bank account balance on 5, 10, 15, 20 and 25 of the month |
avgBalanceOn4th6th7th10th15th25thOfMonth | Average bank account balance on 4, 6, 7, 10, 15 and 25 of the month |
monthendBalance | Balance available during month end |
avgBalanceOfMonth | Average balance for the month |
bankCreditAnalysis | Tag carrying information on bank credit analysis |
date | Month and year of the analysis |
noOfCredit | Number of credits for the month |
valueOfCredit | Value of credits for the month |
noOfCashDeposits | Number of cash deposits occurred during the month |
valueOfCashDeposits | Value of cash deposits occurred during the month |
noOfExceptionalCredits | Number of exceptional credits for the month |
valueOfExceptionalCredits | Value of exceptional credits for the month |
noOfInwardTransferFromOwnAccounts | Number of inward transfers from own accounts during the month |
valueOfInwardTransferFromOwnAccounts | Value of inward transactions from own accounts during the month |
noOfInwardTransferFromGroupAccounts | Number of inwards transfers from group accounts during the month |
valueOfInwardTransferGroupOwnAccounts | Value of inward transfers from the group accounts during the month |
noOfOutwardReturn | Number of outward returns during the month |
valueOfOutwardReturn | Value of outward returns during the month |
noOfNetCredits | Number of net credits during the month |
valueOfNetCredits | Value of net credits during the month |
noOutwardReturnPercentOfTotalCredits | Number of outward return percent of total credits during the month |
valueOutwardReturnPercentOfTotalCredits | Value of outward return percent of total credits during the month |
bankCreditCardReport | Tag carrying information and report on bank credit card analysis |
date | Month and year of the analysis |
avgOutstandingOn5th10th15th20th25thLastDayOfMonth | Average outstanding credit on 5, 10, 15, 20 and 25 of the month |
avgOutstandingOn4th6th7th10th15th25thOfMonth | Average outstanding credit on 4, 6, 7, 10, 15 and 25 of the month |
avgPercentUsageLimit | Average percentage of credit usage for the month |
totalCreditLine | Total available credit line for the month |
totalOutstanding | Total billed outstanding for the month |
bankExpenseReport | Tag carrying information and report on bank expense analysis |
date | Month of the expense report |
categories | Tag carrying information on categories in the expense report |
category | Name of the specific category included in the report |
value | Category expense value for the month |
count | Number of expense counts for the specified category |
totalExpense | Total expenses amount for the month |
noOfTxns | Total number of transactions occurred for expenses during the month |
bankIncomeReport | Tag carrying information and report on bank income analysis |
date | Income of the mentioned month and year |
categories | Tag carrying information divided into categories of income |
category | Category of the income |
value | Value of the income |
count | Total counts of the specific income category for the month |
totalIncome | Total income for the month |
noOfTxns | Total number of income transactions for the month |
bankLoanReport | Tag carrying information and report of bank loan analysis |
date | Month and year of the analysis |
noOfConsumerLoans | Number of consumer loans for the month |
valueOfConsumerLoans | Value of consumer loans for the month |
noOfPrincipalPaymentConsumerLoans | Number of principal payment consumer loans for the month |
valueOfPrincipalPaymentConsumerLoans | value of principal payment consumer loans for the month |
noOfFixedTermLoans | Number of fixed term loans for the month |
valueOfFixedTermLoans | Value of fixed terms loans for the month |
noOfPrincipalPaymentFixedTermLoans | Number of principal payment fixed term loans for the month |
valueOfPrincipalPaymentFixedTermLoans | Value of principal payment fixed terms loans for the month |
noOfMortgageLoans | Number of mortgage loans for the month |
valueOfMortgageLoans | Value of mortgage loans for the month |
noOfPrincipalPaymentMortgageLoans | Number of principal payment mortgage loans for the month |
valueOfPrincipalPaymentMortgageLoans | Value of principal payment mortgage loans for the month |
noOfNoticeLoans | Number of notice loans for the month |
valueOfNoticeLoans | Value of notice loans for the month |
noOfPrincipalPaymentNoticeLoans | Number of principal payment notice loans for the month |
valueOfPrincipalPaymentNoticeLoans | Value of principal payment notice loans for the month |
noOfSyndications | Number of syndications for the month |
valueOfSyndications | Value of syndications for the month |
noOfPrincipalPaymentSyndications | Number of principal payment syndications for the month |
valueOfPrincipalPaymentSyndications | Value of principal payment syndications for the month |
totalNoOfLoans | Total number of loans active for the month |
totalValueOfLoans | Total value of loans active for the month |
totalNoOfPrincipalPayments | Total number of principal payments active for the month |
totalValueOfPrincipalPayments | Total value of principal payments active for the month |
overallBalanceReport | Tag carrying information and report on overall balances |
monthlyReport | Tag carrying monthly analysis of overall balances |
date | Month and year of the analysis |
avgBalanceOn5th10th15th20th25thLastDayOfMonth | Average bank account balance on 5, 10, 15, 20 and 25 of the month |
avgBalanceOn4th6th7th10th15th25thOfMonth | Average bank account balance on 4, 6, 7, 10, 15 and 25 of the month |
monthendBalance | Balance available during month end |
avgBalanceOfMonth | Average balance for the month |
totalMonthEndBalance | Tag carrying information on total balance during month end |
totalAmount | Amount representing total balance during month end |
avgBalance | Tag carrying information on average balance |
totalAmount | Amount representing total average bank balance |
creditCardReport | Tag carrying information and report on credit card analysis |
date | Month and year of the analysis |
avgOutstandingOn5th10th15th20th25thLastDayOfMonth | Average outstanding credit on 5, 10, 15, 20 and 25 of the month |
avgOutstandingOn4th6th7th10th15th25thOfMonth | Average outstanding credit on 4, 6, 7, 10, 15 and 25 of the month |
avgPercentUsageLimit | Average percentage of credit usage for the month |
totalCreditLine | Total available credit line for the month |
totalOutstanding | Total billed outstanding for the month |
totalCreditLine | Tag carrying information on total credit line available during the month |
totalAmount | Amount representing total credit line for the month |
totalOutStanding | Tag carrying information on total outstanding for the month |
totalAmount | Amount representing total outstanding for the month |
avgPercentUsageLimit | Tag carrying information on average percentage use of available credit limit |
percentage | Percentage representing usage of average credit limit |
overallCreditsReport | Tag carrying information on overall credit analysis |
totalCount | Total count of credits |
totalAmount | Total amount in credits |
topFiveCredits | Tag carrying information on top five credits for the bank |
count | Count of credits by a party/beneficiary |
identification | Unique identification of the creditor |
amount | Credited amount |
identificationType | Identification type for creditor |
name | Name of the creditor |
cashDeposits | Tag carrying information on cash deposits during the period |
totalAmount | Total amount deposited via cash deposits |
totalCount | Number of total cash deposits occurred during the period |
exceptionalCredits | Tag carrying information on exceptional credits |
totalAmount | Total amount for exceptional credits |
totalCount | Total count of exceptional credits |
inwardTransfer | Tag carrying information on inward transfers |
totalAmount | Total amount transferred via inward transfers |
totalCount | Total count of inward transfers occurred during the period |
outwardReturn | Tag carrying information on the outward returns |
totalAmount | Total amount for the outward returns |
totalCount | Total count of the outward returns |
monthlyReport | Tag carrying information on monthly credit analysis |
date | Month and year of the analysis |
noOfCredit | Number of credits for the month |
valueOfCredit | Value of credits for the month |
noOfCashDeposits | Number of cash deposits occurred during the month |
valueOfCashDeposits | Value of cash deposits occurred during the month |
noOfExceptionalCredits | Number of exceptional credits for the month |
valueOfExceptionalCredits | Value of exceptional credits for the month |
noOfInwardTransferFromOwnAccounts | Number of inward transfers from own accounts during the month |
valueOfInwardTransferFromOwnAccounts | Value of inward transactions from own accounts during the month |
noOfInwardTransferFromGroupAccounts | Number of inwards transfers from group accounts during the month |
valueOfInwardTransferGroupOwnAccounts | Value of inward transfers from the group accounts during the month |
noOfOutwardReturn | Number of outward returns during the month |
valueOfOutwardReturn | Value of outward returns during the month |
noOfNetCredits | Number of net credits during the month |
valueOfNetCredits | Value of net credits during the month |
noOutwardReturnPercentOfTotalCredits | Number of outward return percent of total credits during the month |
valueOutwardReturnPercentOfTotalCredits | Value of outward return percent of total credits during the month |
incomeReport | Tag carrying information on income analysis |
date | Income of the mentioned month and year |
categories | Tag carrying information divided into categories of income |
category | Category of the income |
value | Value of the income |
count | Total counts of the specific income category for the month |
totalIncome | Total income for the month |
noOfTxns | Total number of income transactions for the month |
overallDebitsReport | Tag carrying information on overall debits analysis |
totalAmount | Total amount for overall debits |
totalCount | Total count of overall debits |
topFiveDebits | Tag carrying information about top five debits |
cashWithDrawls | Tag carrying information on cash withdrawals |
totalAmount | Total amount withdrawn through cash withdrawals |
totalCount | Total count of cash withdrawals |
inwardReturn | Tag carrying information on inward returns |
totalAmount | Total amount of inward returns |
totalCount | Total count of inward returns |
monthlyReport | Tag carrying information on monthly debit analysis |
date | Month and year of analysis |
noOfDebit | Total number of debits for the month |
valueOfDebit | Total value of debits for the month |
noOfCashWithdrawls | Total number of cash withdrawals for the month |
valueOfCashWithdrawls | Total value of cash withdrawals for the month |
noOfInwardReturn | Total number of inward returns for the month |
valueOfInwardReturn | Total value of inward returns for the month |
noOfNetDebits | Total number of net debits for the month |
valueOfNetDebits | Total value of net debits for the month |
noInwardReturnPercentOfTotalCredits | Total number of inward return percent of the total credits |
valueInwardReturnPercentOfTotalCredits | Total value of inward return percent of the total credits |
expenseReport | Tag carrying information on expense analysis |
date | Month of the expense report |
categories | Tag carrying information on categories in the expense report |
category | Name of the specific category included in the report |
value | Category expense value for the month |
count | Number of expense counts for the specified category |
totalExpense | Total expenses amount for the month |
noOfTxns | Total number of transactions occurred for expenses during the month |
overAllLoanReport | Tag carrying information on overall loan analysis |
monthlyReport | Tag carrying information on monthly basis |
date | Mentioned month and year |
avgBalanceOn5th10th15th20th25thLastDayOfMonth | Average balance maintained in the bank account during the dates 5, 10, 15, 20 and 25 of the month |
avgBalanceOn4th6th7th10th15th25thOfMonth | Average balance maintained in the bank account during the dates 4, 6, 7, 10, 15, and 25 of the month |
monthendBalance | Account balances during the month end |
avgBalanceOfMonth | Average balance in the account for the mentioned month |
totalMonthEndBalance | Tag carrying information on total balance during the month end |
totalAmount | Total amount representing the total month end balance |
avgBalance | Tag carrying information on average balance for the month |
totalAmount | Amount representing the average balance for the month |
overAllOtherConductReport | Tag carrying information on overall other conduct analysis |
monthlyReport | Tag carrying information on a monthly basis |
date | Month and year of analysis |
noOfOverdrawingInTheMonth | Total number of over-withdraws for the month |
noOfEmiReturn | Total number of EMI returns for the month |
valueOfEmiReturn | Total value of EMI returned during the month |
noOfPosTransactions | Number of POS transactions occurred during the mentioned month |
valueOfPosTransactions | Total value of POS transactions occurred during the month |
drawing | Total drawings for the month |
noOfEmiChequeReturn | Total number of cheque returns for the account during the month |
overDrawing | Tag carrying information on over-drawings |
totalCount | Total count of over-drawing |
drawing | Tag carrying information on drawing |
totalCount | Total count of drawing |
emiReturn | Tag carrying information on EMI return |
totalAmount | Total amount of the EMI returns |
totalCount | Total count of the EMI returns |
emiChequeReturn | Tag carrying information on EMI cheque returns |
totalCount | Total count of EMI cheque returns |
posTransactions | Tag carrying information on POS transactions |
totalAmount | Total amount of POS transactions |
totalCount | Total count of POS transactions |