List of Attributes packages

PACKAGE	DESCRIPTION	ATTRIBUTES	ENDPOINT
Income	Use this data when you need a high-level overview of your users.	Total Income, Employment Income, and Government Income.	`/GetIncomeAttributes`
Lending	Use 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 Risk	Use 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 Analysis	This 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 Analysis	This 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 Attributes	All 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.

Income
Lending
Credit Risk
User Analysis
Business Analysis

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.

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

Lending

Use the /GetLendingAttributes endpoint if you need a comprehensive breakdown of all of your users income sources, deep credit risk analysis, and all necessary data points for underwriting your users.

The Lending Attribute package is designed specifically for underwriting a user based upon their transactional behaviour and is also an advanced use-case. It provides the necessary Attributes for both manual and automated underwriting methodologies. It covers most aspects of Income, Overall Risk Analysis, Predictive Risk and Cash-Flow Analysis, Specific Risk Analysis and Liability Analysis. This is our most comprehensive package offering before moving to the full library, offering a total of 750 data points on each end-user.

Lending Attributes

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

Income Analysis

The following is the selection of Income Analysis Attributes covered by the Lending Attributes package.

Total Income:

Average monthly (complex)
Total detected
Sum per calendar month
Count per calendar month

Employer Income (Overall):

Employer name
Average monthly (complex)
Average amount
Estimated Annual Net
Frequency
Trend
Sum per calendar month
Count per calendar month

Employer Income (Primary):

Employer Name
Average monthly (complex)
Average amount
Estimated Annual Net
Frequency
Trend
Last two deposit dates
Sum per calendar month
Count per calendar month

Employer Income (Secondary):

Employer Name
Average monthly (complex)
Average amount
Estimated Annual Net
Frequency
Trend
Last two deposit dates
Sum per calendar month
Count per calendar month

Employer Income (Other):

Employer Name
Average monthly (complex)
Average amount
Estimated Annual Net
Frequency
Trend
Last two deposit dates
Sum per calendar month
Count per calendar month

Non-Employer Income:

Average monthly (complex)
Total detected
Sum per calendar month
Count per calendar month

Government Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Employment Insurance Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Workplace Safety Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Disability Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Social Assistance Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Child Support Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Pension Income:

Average monthly (complex)
Average amount
Total detected
Frequency
Last two deposit dates
Sum per calendar month
Count per calendar month

Insurance Income:

Average monthly (complex)
Total detected
Sum per calendar month
Count per calendar month
Recurring Deposits (All)
Average monthly (complex)
Sum per calendar month

Overall Risk Analysis

The following is the selection of Overall Risk Analysis Attributes covered by the Lending Attributes package.

Account Analysis:

Purchasing trend
Deposit trend
Overall activity trend
Count of active days
Active days trend
Average monthly free cash flow
Account age in days
Average monthly recurring payments
Average monthly recurring deposits

Overall Balance Analysis:

Balance trend
Maximum balance
Minimum balance
Current balance
Balance as of 90 days ago
Count of days with a negative balance (in the last 90 days)

Specific Balance Analysis:

Average closing balance day of any income
Average closing balance day after any income
Average closing balance day of employer income
Average closing balance day after employer income
Average closing balance day of government income
Average closing balance day after government income

Specific Risk Analysis

The following is the selection of Specific Risk Analysis Attributes covered by the Lending Attributes package.

NSF Fees:

Average monthly count
Count of total detected
Count last 30 days
Count last 60 days
Count last 90 days
Count last 6 months
Count on the day of employer income
Count on the day after employer income
Count on the day of government income
Count on the day after government income

Stop Payment Fees and Reversals:

Count of fees last 30 days
Count of fees last 60 days
Count of fees last 90 days
Count of reversals last 30 days
Count of reversals last 60 days
Count of reversals last 90 days

Detection Attributes:

Has employment income in the last 7 days
Has employment income in the last 14 days
Has employment income in the last 30 days
Has government income in the last 7 days
Has government income in the last 14 days
Has government income in the last 30 days
Is employment loss detected?
Has overdraft?

Committed Transfers:

Average monthly recurring transfers out (complex)
Average monthly recurring transfers in (complex)

Loan Deposits:

Average monthly (complex)
Total detected
Sum last 30 days
Sum last 60 days
Sum last 90 days

Liability Analysis

The following is the selection of Liability Analysis Attributes covered by the Lending Attributes package.

Overall Loan Payments:

Average monthly (complex)
Total detected
Sum per calendar month
Count per calendar month

Micro-Loan Payments:

Micro-Lender name
Average monthly (complex)
Average amount
Frequency
Count of distinct micro-lenders detected
Sum per calendar month
Count per calendar month

Mortgage Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

Auto Loan Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

Student Loan Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

Other Loan Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

Telecom Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

Utility Payments:

Average monthly (complex)
Average amount
Frequency
Sum per calendar month
Count per calendar month

User Analysis

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

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.

User Analysis Attributes

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 months, 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

Business Analysis

Use the /GetBusinessAnalysis endpoint if you would like to receive Business Analysis Attributes, specifically focused on SMB and corporate accounts.

The Business Analysis use-case is the first of our “advanced” use-cases for businesses specifically. This use-case is primarily utilized when you are underwriting or analyzing business specific accounts. It enables your team to quickly, easily, and efficiently break out all important aspects of a users account. This includes a Business Revenue (Income) Analysis, Loan Deposits Analysis, Operating Expenses Analysis, Liabilities and Loan Payments Analysis, and finally an analysis of Fees and Other Expenses. This use-case is primarily used within our Client Dashboard through an auto-generated report, but can often be the starting point for organizations automation processes for their business clients.

Business Analysis Attributes

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

Income Analysis

The following is the selection of Income Analysis Attributes covered by the Business Analysis Attributes package.

Overall Operating Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per Calendar month

Merchant Service Provider Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Transfer Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Branch Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Vendor Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Payroll Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Credit Card Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Operating Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Overall Government Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Tax Rebates and Refunds:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Government Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Types of Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Insurance Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Rent Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

All Other Income:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Loan Deposits Analysis

The following is the selection of Loan Deposits Analysis Attributes covered by the Business Analysis Attributes package.

Overall Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Business Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Mortgage Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Micro-Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Auto Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Loan Deposits:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Operating Expense Analysis

The following is the selection of Operating Expense Analysis Attributes covered by the Business Analysis Attributes package.

Overall Operating Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Vendor Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Cash Withdrawals:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Payroll Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Credit Card Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Operating Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Liabilities Analysis

The following is the selection of Liabilities Analysis Attributes covered by the Business Analysis Attributes package.

Overall Liabilities:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Insurance Payments:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Rent Payments:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Telecom Payments:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Utility Payments:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Overall Loan Payments:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Fees Breakdown

The following is the selection of Fees Breakdown Attributes covered by the Business Analysis Attributes package.

Overall Fees:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Bank Fees:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

NSF Fees:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other Fees:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Other (Non-Operating) Expenses

The following is the selection of Other (Non-Operating) Expenses Attributes covered by the Business Analysis Attributes package.

Other Expenses:

Average monthly (complex)
Average deposit
Trend
Frequency
Last two deposit dates
Total detected
Sum per calendar month
Count per calendar month

Restricted location for this endpoint

Please note that we currently only support Business Attributes for full production use-cases in the Canadian market.
If you are looking to use these Attributes in the US Market, please reach out to the Flinks team and we will place you on the waitlist.

Getting Started

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Connect

Enrich

Pay

Webhooks

Upload

Dashboard

Outbound

Security

Support

Income

Income Attributes

Lending

Lending Attributes

Income Analysis

Overall Risk Analysis

Specific Risk Analysis

Liability Analysis

Credit Risk

Credit Risk Attributes

User Analysis

User Analysis Attributes

Business Analysis

Business Analysis Attributes

Income Analysis

Loan Deposits Analysis

Operating Expense Analysis

Liabilities Analysis

Fees Breakdown

Other (Non-Operating) Expenses

​Income

​Income Attributes

​Lending

​Lending Attributes

​Income Analysis

​Overall Risk Analysis

​Specific Risk Analysis

​Liability Analysis

​Credit Risk

​Credit Risk Attributes

​User Analysis

​User Analysis Attributes

​Business Analysis

​Business Analysis Attributes

​Income Analysis

​Loan Deposits Analysis

​Operating Expense Analysis

​Liabilities Analysis

​Fees Breakdown

​Other (Non-Operating) Expenses

Income

Income Attributes

Lending

Lending Attributes

Income Analysis

Overall Risk Analysis

Specific Risk Analysis

Liability Analysis

Credit Risk

Credit Risk Attributes

User Analysis

User Analysis Attributes

Business Analysis

Business Analysis Attributes

Income Analysis

Loan Deposits Analysis

Operating Expense Analysis

Liabilities Analysis

Fees Breakdown

Other (Non-Operating) Expenses