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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.
You can call more than one Attributes package with the same requestId. Attributes calls do not complete the session, so a single requestId can retrieve multiple packages.

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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