Get Insights for Personal Accounts
GET
/public/v3/customers/{customer_id}/insights/current_personal
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| customer_id | string | yes | Customer ID |
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| Parameter | Data type | Required? | Description |
|---|---|---|---|
| income | Income | yes | Total monthly income with breakdowns by transaction category |
| expenditure | Expenditure | yes | Total monthly expenditures with breakdowns by transaction category |
| financial_patterns | Financial Patterns | yes | Historical trends of key metrics at transaction level |
| financial_markers | Financial Markers | yes | Metrics that are indicative of some measure of financial risk |
| employment | Employment | yes | Calculated and inferred metrics related to a customer's salary |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| currency | string | yes | Currency code (compatible with ISO 4217) |
| monthly_amounts | Monthly Amount | yes | Array of total monthly amounts |
| categories | Category Income | yes | Array of monthly amounts by category |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| currency | string | yes | Currency code (compatible with ISO 4217 |
| monthly_amounts | Monthly Amount | yes | Array of total monthly amounts |
| categories | Category Expenditure | yes | Array of monthly amounts by category |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| currency | string | yes | Currency code (compatible with ISO 4217) |
| recurrence | Recurring Transactions | yes | Statistics for recurring transactions |
| by_category | Category Trends | yes | Statistics by transaction category |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| currency | string | yes | Currency code (compatible with ISO 4217) |
| new_debt_indicator | boolean | yes | Determines receipt of new loan income in the most recent 3 months |
| debt_management_indicator | boolean | yes | Determines debt management/collection activity is detected in the most recent 12 months |
| recent_account_indicator | boolean | yes | Determines the oldest transaction is less than 3 months |
| mortgage_rent_indicator | boolean | yes | Determines mortgage/rent payments are detected in the most recent 12 months |
| insurance_indicator | boolean | yes | Determines insurance payments are detected in the most recent 12 months |
| council_tax_indicator | boolean | yes | Determines council tax payments are detected in the most recent 12 months |
| savings_investment_indicator | boolean | yes | Determines savings/investments payments are detected in the most recent 12 months |
| direct_loan_indicator | boolean | yes | Determines receipt of new payday loan income in the most recent 6 months |
| bnpl_indicator | boolean | yes | Determines Buy Now Pay Later payments are detected in the most recent 3 months |
| negative_balance_ratio | float | yes | The percentage of time the customer spends with a negative total balance over the last twelve months |
| bank_charges | Monthly Statistics | yes | Count of the number of times a customer has been penalised by their bank for some adverse activity (such as unarranged overdraft usage, unpaid standing orders and interest charged) over the last three, six and twelve months. |
| returned_direct_debits | Monthly Statistics | yes | Count of the number of returned direct debits over the last three, six and twelve months |
| utility_payments | Monthly Statistics | yes | Count of the number of utility payments over the last three, six and twelve months |
| credit_repayments | Rate Statistics | yes | Credit repayment statistics over the last twelve months |
| debit_bank_transfer | Rate Statistics | yes | Debit bank transfer statistics over the last twelve months |
| gambling | Rate Statistics | yes | Gambling statistics over the last twelve months |
| cash_withdrawals | Rate Statistics | yes | Cash withdrawal statistics over the last twelve months |
| loan_income | Rate Statistics | yes | Loan income statistics over the last twelve months |
| payday_loan | Rate Statistics | yes | Payday Loan income statistics over the last twelve months |
| summary_averages | Average Statistics | yes | Average statistics for expenditures and incomes over the last twelve months |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| number_of_salaries | integer | yes | Number of salaries |
| expected_salary | Expected Salary | yes | Variable shows the list of expected salaries for the customer |
| currency | string | yes | Currency code (compatible with ISO 4217) |
| new_employer_indicator | boolean | yes | Determines the presence of a new salary group in most recent 3 months |
| possible_loss_of_income_indicator | boolean | yes | Determines that the average salary of recent 3 months is less than 20% of 12 months average |
| out_of_work_benefit_indicator | boolean | yes | Determines the presence of out of work benefit payments in most recent 3 months |
| child_benefits_indicator | boolean | yes | Determines child benefit payments are detected in the most recent 3 months |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| amount | float | yes | Value of expected salary |
| expected_pay_date | integer | yes | Timestamp of the next expected salary |
| pay_frequency | string | yes | Frequency of the expected salary. Available values: Weekly, Fortnightly, Monthly, Irregular |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| amount | float | yes | Value in associated currency |
| year | integer | yes | Year |
| month | integer | yes | Month |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| name | string | yes | Category name |
| monthly_amounts | Monthly Amount | yes | Array of monthly amounts |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| name | string | yes | Category name |
| fixed_flexible | string | yes | Variable indicating whether the corresponding transaction category represents a fixed or flexible expenditure |
| monthly_amounts | Monthly Amount | yes | Array of monthly amounts |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| description | string | yes | Transaction description |
| average_amount | float | yes | Average value of recurring transactions |
| amount_variance | float | yes | Variance in the value of recurring transactions |
| transaction_ids | array | yes | Array of recurring transaction id |
| amount_stability_of_transaction | float | yes | Amount Consistency - Determines how consistent are the monthly amounts within the group. 1.0 means the values are the same. |
| frequency_stability_of_transaction | float | yes | Regularity - Determines how regular in time are transaction to each other. 1.0 means exactly the same period of time between transactions. |
| time_stability_of_transaction | float | yes | Longevity - Determines for how long we have transactions in the group. 1.0 means the transactions occur in each of the last 12 months. |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| category | string | yes | Category name |
| min | float | yes | Minimum transaction value within category |
| mean | float | yes | Mean transaction value within category |
| max | float | yes | Maximum transaction value within category |
| variance | float | yes | Variance in transaction value within category |
| frequency | float | yes | Average number of transactions per month within category |
| continuity | integer | yes | Longest number of consecutive months in which transactions from a given category occur |
| recency | integer | no | Months since last transaction within a given category occurred |
| amount_stability_of_category | float | yes | Amount Consistency - Determines how consistent are the monthly amounts within the category. 1.0 means the values are the same. |
| frequency_stability_of_category | float | yes | Regularity - Determines how regular in time are transactions in the category. 1.0 means exactly the same period of time between transactions. |
| time_stability_of_category | float | yes | Longevity - Determines for how long we have transactions in the category. 1.0 means the transactions occur in each of the last 12 months. |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| num_last_3m | Occurrence | yes | Statistics over last three months |
| num_last_6m | Occurrence | yes | Statistics over last six months |
| num_last_12m | Occurrence | yes | Statistics over last twelve months |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| timestamp_from | integer | yes | Timestamp |
| timestamp_to | integer | yes | Timestamp |
| count | integer | yes | Count |
| ratio_to_income | float | yes | Ratio to income |
| total_amount | float | yes | Total amount |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| rate_of_change | float | yes | Variable which describes the rate of change of contributions from a given transaction category. This is calculated by comparing the most recent three-month average value to the average value over the period of evaluation |
| pred_next_month | float | yes | Variable is deprecated |
| ratio_to_income | float | yes | Average monthly payment from transaction category as a percentage of average monthly income |
| ratio_to_recurring_income | float | yes | Average monthly payment from transaction category as a percentage of average monthly recurring income |
| count | integer | yes | Total Count of Incidents in the last 12 months |
| total_amounts | Total Amount | yes | Total Amount |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| last_12m | float | yes | Total amount in the last 12 months |
| Parameter | Data type | Required? | Description |
|---|---|---|---|
| average_fixed_exp | float | yes | Average fixed expenditure |
| average_flexible_exp | float | yes | Average flexible expenditure |
| average_income | float | yes | Average income |
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curl --location --request GET 'https://api.friendlyscore.com/public/v3/customers/{customer_id}/insights/current_personal' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {access_token}'1
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{
"income": {
"currency": "GBP",
"monthly_amounts": [
{
"amount": "22.35",
"year": "2019",
"month": "11"
}
],
"categories": [
{
"name": "Salary",
"monthly_amounts": [
{
"amount": "22.35",
"year": "2019",
"month": "11"
}
]
}
]
},
"expenditure": {
"currency": "GBP",
"monthly_amounts": [
{
"amount": "22.35",
"year": "2019",
"month": "11"
}
],
"categories": [
{
"name": "Hobby",
"fixed_flexible": "fixed",
"monthly_amounts": [
{
"amount": "22.35",
"year": "2019",
"month": "11"
}
]
}
]
},
"financial_patterns": {
"currency": "GBP",
"recurrence": [
{
"description": "Granny's Bakery",
"average_amount": "22.35",
"amount_variance": "0.2",
"transaction_ids": [
"string"
]
}
],
"by_category": [
{
"category": "Groceries & Supplies",
"min": "5.05",
"mean": "8.05",
"max": "15.02",
"variance": "0.5",
"frequency": "15.5",
"continuity": "6",
"recency": "3"
}
]
},
"financial_markers": {
"bank_charges": {
"num_last_3m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_6m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_12m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
}
},
"new_debt_indicator": false,
"credit_repayments": {
"rate_of_change": "0.66",
"pred_next_month": "122.35",
"ratio_to_income": "0.07"
},
"currency": "GBP",
"returned_direct_debits": {
"num_last_3m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_6m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_12m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
}
},
"negative_balance_ratio": 0.5,
"debt_management_indicator": false,
"debit_bank_transfer": {
"rate_of_change": "0.66",
"pred_next_month": "122.35",
"ratio_to_income": "0.07"
},
"summary_averages": {
"average_fixed_exp": 0.5,
"average_flexible_exp": 0.5,
"average_income": 0.5
},
"utility_payments": {
"num_last_3m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_6m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
},
"num_last_12m": {
"timestamp_from": "1600466400",
"timestamp_to": "1608418799",
"count": "5"
}
},
"gambling": {
"rate_of_change": "0.66",
"pred_next_month": "122.35",
"ratio_to_income": "0.07"
},
"cash_withdrawals": {
"rate_of_change": "0.66",
"pred_next_month": "122.35",
"ratio_to_income": "0.07"
}
},
"employment": {
"number_of_salaries": "2",
"expected_salary": [
{
"amount": "1220.35",
"expected_pay_date": "1608418799",
"pay_frequency": "monthly"
}
],
"currency": "GBP",
"possible_loss_of_income_indicator": false,
"out_of_work_benefit_indicator": false,
"new_employer_indicator": false
}
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London W1K 5EH
Call us on +44 20 3709 6726
Company registered in England
Company number 09168668, ICO ZA111687
VAT registration number 206 9758 80
Authorised and Regulated by the Financial Conduct Authority. (FRN: 821100, 781963)