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PACKAGEDESCRIPTIONATTRIBUTESENDPOINT
IncomeUse this data when you need a high-level overview of your users.Total Income, Employment Income, and Government Income./GetIncomeAttributes
LendingUse this data when underwriting a user based upon their transactional behaviour.Income, Overall Risk Analysis, Predictive Risk and Cash-Flow Analysis, Specific Risk Analysis, and Liability Analysis./GetLendingAttributes
Credit RiskUse this data to conduct a high-level risk analysis of your users.Financial Information, Employment Income sources, Non-Employment Income sources, Loan Payments, Bill Payments, and more./GetCreditRiskAttributes
User AnalysisThis is an advanced use case that combines the Income and Credit Risk packages into one, and adds an additional layer for Fraudulent/Primary Account Detection. Use this data when you need to consider both Income and Credit Risk for the same user.Income, Credit Risk, Fraudulent/Primary Account Detection./GetUserAnalysisAttributes
Business AnalysisThis is an advanced use case that allows you to efficiently break out all important aspects of a business account. Use this data when you’re underwriting or analyzing business-specific accounts.Business Revenue (Income Analysis), Loan Deposits Analysis, Operating Expenses Analysis, Liabilities and Loan Payments Analysis, and Fees and Other Expenses./GetBusinessAnalysisAttributes
All Consumer AttributesAll available attributes that Flinks currently provides, and all transactions that are related to these attributes.For a list of all consumer attributes that we have available, review our Consumer Attributes Library./GetAllAttributes
Select a package to read more about the Attributes available in each package.

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Income

Use the /GetIncomeAttributes endpoint if you need a high-level overview of your users’ income sources.

This is a primary basic use-case of Attributes and is often utilized by organizations that need a high-level, standard overview of your users Total Income, Employment Income, and Government Income. It will provide the following Attributes to enable a quick and easy standard Income verification—this is often used in manual processes.

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Income Attributes

Please find a breakdown of the Attributes contained within this use-case below:

Note:

If you need a deeper review of Income, please refer to our Lending use-case.

Employer Income:

  • Employer name
  • Average monthly (complex)
  • Trend
  • Sum per calendar month
  • Count per calendar month

Non-Employer Income:

  • Average monthly (complex)

Government Income:

  • Average monthly (complex) (overall Government Income)
  • Sum of Government Income per calendar month
  • Count of Government Income per calendar month
  • Sum of Employment Insurance Income in the last 90 days
  • Sum of Social Assistance Income in the last 90 days
  • Sum of WSIB Income in the last 90 days
  • Sum of Pension Income in the last 90 days
  • Sum of Child Support Income in the last 90 days
  • Sum of Other Government Income in the last 90 days

Others:

  • Sum of Total Income per calendar month
  • Sum of Total Credits per calendar month
  • Account age in days
  • Average monthly free cash flow