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User Analysis Attributes

Use this endpoint if you need a deeper, combined view of your users income sources, credit risk measures and potential fraudulent flags. `/GetUserAnalysisAttributes'

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The User Analysis use-case is the first of our 'advanced' use-cases. This use-case combines the previous two packages (Income and Credit Risk) into one use-case, and adds an additional 'fraudulent/primary account detection' layer. This use-case is often utilized where both Income and Credit Risk are important factors to consider for the same user, and is often the starting point for organizations automation processes. Please find a breakdown of the Attributes contained within this use-case below.

Employer Income

  • Employer Name
  • Average Monthly Employer Income
  • Employer Income Trend
  • Sum of Employer Income (Per Month, last 12 months - 13 Attributes) *
  • Count of Employer Income (Per Month, last 12 months - 13 Attributes) *

Non-Employer Income

  • Average Monthly Non-Employer Income

Government Income

  • Average Monthly Government Income
  • Sum of Government Income (Per Month, last 12 months - 13 Attributes) *
  • Count of Government Income (Per Month, last 12 months - 13 Attributes) *
  • Sum of Employment Insurance Income (90 Days) *
  • Sum of Social Assistance Income (90 Days) *
  • Sum of WSIB Income (90 Days) *
  • Sum of Pension Income (90 Days) *
  • Sum of Child Support Income - Government (90 Days) *
  • Sum of Other Government Income (90 Days) *

Other Income Attributes

  • Sum of Total Income (Per Month, last 12 months - 13 Attributes) *
  • Sum of Total Credits (Per Month, last 12 month - 13 Attributes) *

Account Risk Overview

  • Minimum Balance Detected (Last 90 Days)
  • Days with a Negative Balance
  • Average Monthly Free Cash Flow
  • Balance Trend

Loan Payments Breakdown

  • Average Monthly Auto-Loan Payments
  • Average Monthly Mortgage Payments
  • Average Monthly Micro-Loan Payments
  • Average Monthly Student Loan Payments
  • Average Monthly Other Loan Payments

Committed Bill Payments Breakdown

  • Average Monthly Utility Payments
  • Average Monthly Telecom Payments

Additional Risk Analysis

  • Count of NSF Fees (Last 90 Days) *
  • Count of Stop-Payment Fees (Last 90 Days) *
  • Average Monthly Micro-Loan Payments
  • Micro-Lender Name
  • Average Monthly Expenditure

Fraud Detection Attributes

  • Account Age in Days
  • Active Days in the Account (Last 90 Days)
  • Balance Trend
  • Overall Activity Trend
  • Debit Activity Trend
  • Credit Activity Trend
  • Is Employer Income Detected?
  • Average Monthly Recurring Payments

Updated 11 months ago