Fetching your Risk Report
Prerequisites
Make sure to first complete the Implementation guide!
To be able to fetch the report your need the id
you received on flow initiation.
{
"period": 12,
"accounts": [
{
"name": "FlexiCash",
"type": "Giro account",
"owners": [
"Max Mustermann, Erika Mustermann"
],
"iban": "DE93300308800013441006",
"currency": "EUR",
"is_jointly_managed": true,
"is_main_account": true,
"last_transaction_on": "2023-01-14",
"balance": {
"days_in_overdraft": 0,
"average": {
"one_month": 1234.56,
"three_months": 234.56,
"six_months": 562.67
}
},
"verification_result": {
"provided": {
"name": "Max Mustermann",
"iban": "DE93300308800013441006"
},
"matched": {
"name": "Max Mustermann",
"affinity": "VERY_HIGH"
}
}
}
],
"income": {
"regular": [
{
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"category": {
"id": 123,
"name": "Online-Shopping"
},
"first_booked_on": "2023-01-14",
"last_booked_on": "2023-01-14"
}
],
"variable": [
{
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"category": {
"id": 123,
"name": "Online-Shopping"
},
"first_booked_on": "2023-01-14",
"last_booked_on": "2023-01-14"
}
],
"primary": {
"recurrence": "monthly",
"stability": 0.5,
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"category": {
"id": 123,
"name": "Online-Shopping"
},
"first_booked_on": "2023-01-14",
"last_booked_on": "2023-01-14",
"payment_partner": {
"id": "6702b891-b8e6-4892-8615-5440e39d3d0e",
"name": "Some Supermarket GmbH"
}
},
"closeness": 10,
"consumption_rate": 0.5
},
"expenses": {
"regular": [
{
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"category": {
"id": 123,
"name": "Online-Shopping"
},
"first_booked_on": "2023-01-14",
"last_booked_on": "2023-01-14",
"ratio_to_income": 98
}
],
"variable": [
{
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"category": {
"id": 123,
"name": "Online-Shopping"
},
"first_booked_on": "2023-01-14",
"last_booked_on": "2023-01-14",
"ratio_to_income": 98
}
]
},
"atm": {
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31"
},
"gambling": {
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"ratio_to_income": 0
},
"debt_collection": {
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31"
},
"loan": {
"total": 1234.56,
"low": -220.2,
"high": 1400.5,
"average": 2123.25,
"count": 14,
"href": "https://finx-s.finleap.cloud/rest/transactions?categories=3,14&since=2020-01-01&until=2020-01-31",
"ratio_to_income": 0
}
}
Details
The Risk Report is broken down into several sections;
Account Specific
- Accounts
The Accounts section provides a detailed overview of the information for the individual accounts the user has connected;
is_main_account
identifies if a primary income has been detected on the individual account.
The balance
object includes important information about the money held in the account, identifying if and for how long an account balance was in the negative as well as an average over a certain amount of time.
The verification_result
provides an evaluation of the affinity between the initially provided name
and the best matching account-holder name.
The affinity is
VERY_HIGH
if the names match 100% (case-insensitive)HIGH
if there is a significant overlap with only minor deviations (e.g. "Doe, John" instead of "John Doe" or "Hans Muller" instead of "Hans MΓΌller")MEDIUM
if there is only some similarity between the names (e.g. "Helge Braun" vs. "Stefan Braun")LOW
if the names don't match at all.
Full Aggregation
The sections defined below are aggregated accross all the accounts that have been connected by the user. If you want to limit this to one account only, ensure to set the
allow_multi_selection
tofalse
in the first step of the implementation.
- Income
The income section breaks down into 3 sections; regular
, variable
and primary
:
The regular
object aggregates all transactions that have been identified as an incoming contract
The variable
object aggregates all transactions that do not have a specific recurrence.
The primary
object provides a more in-depth analysis of the users' primary income stream by additionally providing the following:
recurrence
the frequency at which the income stream is received.stability
the ratio at which the income stream has been detected in the reporting_period.closeness
days since the last income transaction was detected.consumption rate
ratio of the expenses compared to the income.
- Expenses
The income section breaks down into 2 sections; regular
and variable
:
The regular
object aggregates all transactions that have been identified as an outgoing contract
The variable
object aggregates all transactions that do not have a specific recurrence.
- Indicators
The response will also return a set of aggregations for specific Indicators such as atm
, loan
and gambling
.
Error Handling
The finX API employs HTTP status codes to indicate the outcome of each API request. Familiarity with these codes is essential for understanding the response.
200 OK: This status code indicates a successful request, typically returned when retrieving data.
400 Bad Request: If the request is malformed, contains missing or invalid parameters, or violates validation rules, the API responds with a 400 status code.
401 Unauthorized: When the provided authorization is insufficient or invalid, the API responds with a 401 status code, indicating the need for proper user authentication.
Updated 4 months ago