Allows merchant to make informed decisions about pending loan applicants
POST (LIVE)
{{URL}}/dikript/analytics/api/v1/analyse
POST (TEST)
{{URL}}/dikript/test/api/v1/analyse
Request
| Variable | Description | Required |
|---|---|---|
| statementName | Name of statement | Yes |
| type | CONSUMER / BUSINESS | No |
| transactions | At least 10 transactions | Yes |
{
"statementName": "DemoStatement",
"type":"BUSINESS",
"transactions": [
{
"date": "2020-06-22",
"description": "sms notification charge for 2020 ma y 14th 15th june - ngn",
"balance": 247.42,
"amount": 55.0,
"type": "debit"
}
]
}
Header (LIVE)
| Key | Description |
|---|---|
| x-api-key | Your Secret Key |
Header (TEST)
| Key | Description |
|---|---|
| x-api-key | Your Public Key |
Response
{
"status": true,
"message": "Successful",
"code": "200",
"apiVersion": "v1",
"transactionRef": "N202407051301381100",
"data": {
"key": 2,
"status": "PROCESSED",
"statementName": "DemoStatement",
"fullName": null,
"phoneNumber": null,
"accountType": null,
"accountBalance": null,
"accountNumber": null,
"accountName": null,
"bankName": null,
"spendAnalysis": {
"averageMonthlyTotalExpenses": 299649.32,
"totalRecurringExpense": 0.0,
"totalExpenses": 2097545.22,
"atmLocations": [
"surulere"
],
"mostFrequentSpendCategory": "transfer_transactions",
"monthWithHighestSpend": "11/2020",
"highestSpend": 636550.59,
"mostFrequentExpense": "online gtbank plc bello muhyidde en garba onepay transfer bello m uhyiddeen garba gtbank plc",
"mostFrequentExpenseAmount": 10000.0
},
"behaviouralAnalysis": {
"monthToMonthInflowToOutflowRate": "Positive Cash Flow",
"overallInflowToOutflowRate": "Positive Cash Flow",
"totalLoanAmount": 0.0,
"totalLoanRepaymentAmount": 0.0,
"loanInflowRate": null,
"loanRepaymentToInflowRate": 0.0,
"gamblingRate": 0.0,
"percentOfInflowIrregularity": 0.01,
"averageMonthlyLoanAmount": 0.0,
"averageMonthlyLoanRepaymentAmount": 0.0,
"numberLoanTransactions": 0.0,
"numberRepaymentTransactions": 0.0,
"loanToInflowRate": 0.0,
"accountSweep": "No",
"numberOfBettingTransactions": 0.0
},
"cashFlowAnalysis": {
"totalCreditTurnover": 2228623.3,
"totalDebitTurnOver": 2101979.23,
"averageMonthlyCredits": 371437.22,
"averageMonthlyDebits": 350329.87,
"averageWeeklyCredits": 89144.93,
"averageWeeklyDebits": 80845.35,
"averageMonthlyBalance": 240651.91,
"averageWeeklyBalance": 272316.72,
"numberOfTransactingMonths": 6.0,
"validCredit": 2228022.57,
"periodInStatement": "June - December",
"yearInStatement": "2020",
"firstDateInStatement": "2020-06-22",
"lastDateInStatement": "2020-12-14",
"closingBalance": 104944.61,
"percentageOfExpenseOverInflow": 0.94
},
"incomeAnalysis": {
"averagePredictedSalary": 226247.64,
"isSalaryEarner": "Yes",
"expectedSalaryPaymentDay": 25.0,
"frequencyOfSalaryPayments": "1",
"numberOfSalaryPayments": 6.0,
"hasOtherIncome": "Yes",
"averageOtherIncome": 278491.54,
"numberOfOtherIncomePayments": 1.0,
"netAverageMonthlyEarning": 205089.86,
"lowestSalary": 223158.06,
"lowestSalaryDate": "2020-06-26 00:00:00",
"mostRecentSalary": "227354.12",
"missingSalaryPayment": null,
"totalCreditFromBusinessPayment": null,
"percentageOfCreditFromBusinessPayment": null,
"totalCreditFromBankWithdrawals": null,
"percentageOfCreditFromBankWithdrawals": null,
"totalCreditFromAgentDeposits": null,
"percentageOfCreditFromAgentDeposits": null
}
},
"error": null
}
{
"status": false,
"message": "Unsuccessful",
"code": "400",
"apiVersion": "v1",
"transactionRef": "N202401101345487388",
"data": "",
"error": {
"code": 400,
"message": null
}
}