{
"key": 1,
"uniqueCode": "uniqueCode",
"name": "Mandatory Statement Name",
"source": "PERICULUM",
"clientFullName": "clientFullName",
"clientPhoneNumber": "clientPhoneNumber",
"accountType": "Savings",
"accountBalance": 2387.26,
"accountId": "2049419715",
"accountName": "account name",
"bankName": "UBA BANK",
"statementType": "CONSUMER",
"uploadedBy": "uploadedBy",
"startDate": "2019-11-23T00:00:00+00:00",
"endDate": "2020-07-15T00:00:00+00:00",
"createdDate": "2023-08-15T10:58:44.127+00:00",
"processingStatus": "PROCESSED",
"clientIdentification": [
{
"identifierName": "bvn",
"identifierValue": "identifierValue"
},
{
"identifierName": "nin",
"identifierValue": "identifierValue"
}
],
"spendAnalysis": {
"averageMonthlySpendOnTransfer": 42930.35,
"averageMonthlySpendOnAtmAndPOS": 29597.59,
"averageMonthlySpendOnUSSD": 0,
"averageMonthlySpendOnGambling": 0,
"averageMonthlySpendOnAirtimeAndData": 0,
"averageMonthlySpendOnUtilities": 0,
"averageMonthlySpendOnOnlineAndWeb": 0,
"averageMonthlySpendOnTransportation": 0,
"averageMonthlySpendOnHealth": 1402.5,
"averageMonthlySpendOnTravel": 0,
"averageMonthlySpendOnEntertainment": 0,
"averageMonthlySpendOnHospitalityAndFood": 0,
"averageMonthlySpendOnRent": 0,
"averageMonthlySpendOnInsurance": 0,
"averageMonthlySpendOnChargesAndStampDuty": 74.5,
"averageMonthlySpendOnInternationalTransactions": 0,
"averageMonthlyTotalExpenses": 74295.23,
"averageMonthlyRecurringExpense": 0,
"averageMonthlySpendOnSavingsAndInvestments": 0,
"averageMonthlySpendOnOthers": 2018.62,
"averageMonthlyTransactionsViaAgents": 0,
"averageMonthlySpendOnCrypto": 0,
"mostRecurringExpense": "atm_and_pos_transactions",
"totalSpendOnTransfer": 343442.81,
"totalSpendOnAtmAndPOS": 236780.74,
"totalSpendOnUSSD": 0,
"totalSpendOnGambling": 0,
"totalSpendOnAirtimeAndData": 0,
"totalSpendOnUtilities": 0,
"totalSpendOnOnlineAndWeb": 0,
"totalSpendOnTransportation": 0,
"totalSpendOnHealth": 11220,
"totalSpendOnTravel": 0,
"totalSpendOnEntertainment": 0,
"totalSpendOnHospitalityAndFood": 0,
"totalSpendOnRent": 0,
"totalSpendOnInsurance": 0,
"totalSpendOnChargesAndStampDuty": 596,
"totalSpendOnInternationalTransactions": 0,
"totalMonthlyExpenses": 594361.8,
"totalRecurringExpense": 0,
"totalExpenses": 594361.8,
"totalSpendOnSavingsAndInvestments": 0,
"totalSpendOnOthers": 16149,
"totalTransactionsViaAgents": 0,
"totalSpendOnCrypto": 0,
"atmLocations": [
"xyz",
"abc"
],
"mostFrequentSpendCategory": "atm_and_pos_transactions",
"monthWithHighestSpend": "1/2020",
"highestSpend": 91330.77,
"mostFrequentExpense": "atm wd 10330584 lawanson atm 1 lagos",
"mostFrequentExpenseAmount": 1000
},
"transactionPatternAnalysis": {
"lastDayOfCredit": "2020-07-13",
"lastDayOfDebit": "2020-07-15",
"percentDebitTransactions": 0.79,
"percentCreditTransactions": 0.21,
"totalNumberOfTransactions": 230,
"percentOfTransactionsLessThan10ThousandNaira": 0.87,
"percentOfTransactionsBetween10ThousandTo100ThousandNaira": 0.13,
"percentOfTransactionsBetween100ThousandTo500ThousandNaira": 0,
"percentOfTransactionsBetween500ThousandToOneMillionNaira": 0,
"percentOfTransactionsGreaterThanOneMillionNaira": 0,
"percentNumberOfDaysTransactionsWasLessThan10ThousandNaira": 1,
"percentOfBalancesLessThan10ThousandNaira": 0.69,
"percentOfBalancesBetween10ThousandTo100ThousandNaira": 0.31,
"percentOfBalancesBetween100ThousandTo500ThousandNaira": 0,
"percentOfBalancesBetween500ThousandToOneMillionNaira": 0,
"percentOfBalancesGreaterThanOneMillionNaira": 0,
"percentNumberOfDaysBalanceWasLessThan10ThousandNaira": 0.92,
"mostFrequentBalanceRange": "100k-500k",
"mostFrequentTransactionRange": "<=10k",
"numberOfCardRequests": 0,
"saccoTransactions": [
{
"date": "2023-08-14",
"type": "Deposit",
"amount": 100.5
}
],
"topIncomingTransfer": "topIncomingTransfer",
"mostFrequentCreditTransfer": "mostFrequentCreditTransfer",
"mostFrequentDebitTransfer": "mostFrequentDebitTransfer",
"topOutgoingTransfer": "topOutgoingTransfer",
"returnCheque": 0,
"missingTransactions": "missingTransactions",
"balanceBreakdown": [
{
"min": -1000000000000000000,
"max": 10000,
"percentageOfTransactionsInBucket": 0.69
},
{
"min": 10000,
"max": 100000,
"percentageOfTransactionsInBucket": 0.31
},
{
"min": 100000,
"max": 500000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 500000,
"max": 1000000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 1000000,
"max": 1000000000000000000,
"percentageOfTransactionsInBucket": 0
}
],
"transactionBreakdown": [
{
"min": -1000000000000000000,
"max": 10000,
"percentageOfTransactionsInBucket": 0.85
},
{
"min": 10000,
"max": 100000,
"percentageOfTransactionsInBucket": 0.15
},
{
"min": 100000,
"max": 500000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 500000,
"max": 1000000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 1000000,
"max": 1000000000000000000,
"percentageOfTransactionsInBucket": 0
}
],
"percentNumberOfDaysTransactionsInSmallestBucket": 1,
"percentNumberOfDaysBalancesInSmallestBucket": 0.92,
"noOfSelfTransferInflows": 2,
"noOfSelfTransferOutflows": 0,
"selfTransferInflowAmount": 6100,
"selfTransferOutflowAmount": 0,
"selfTransferInflowTransactions": [
{
"date": "2020-01-27 00:00:00",
"amount": 2100
},
{
"date": "2020-07-06 00:00:00",
"amount": 4000
}
],
"selfTransferOutflowTransactions": [
{
"date": "2020-01-27 00:00:00",
"amount": 2100
}
]
},
"agentLocationAnalysis": {
"mostOccuringAgentLocation": [
{
"agentLocation": "Location A",
"amount": 100.0
},
{
"agentLocation": "Location B",
"amount": 150.5
}
],
"transactionsPerAgentLocation": [
{
"agentLocation": "Location A",
"numberOfTransactions": 50.0,
"morning": 10.0,
"afternoon": 20.0,
"evening": 20.0,
"credit": 30.0,
"debit": 20.0
},
{
"agentLocation": "Location B",
"numberOfTransactions": 30.0,
"morning": 5.0,
"afternoon": 15.0,
"evening": 10.0,
"credit": 20.0,
"debit": 10.0
}
],
"numberOfTransactionsViaAgent": "42"
},
"behavioralAnalysis": {
"monthToMonthInflowToOutflowRate": "Positive Cash Flow",
"overallInflowToOutflowRate": "Positive Cash Flow",
"latestLoanTransaction": [
{
"date": "2023-08-14",
"amount": 100.0,
"description": "Loan"
},
{
"date": "2023-08-15",
"amount": 50.0,
"description": "Repayment"
}
],
"latestRepaymentTransaction": [
{
"date": "2023-08-14",
"amount": 100.0,
"description": "Loan"
},
{
"date": "2023-08-15",
"amount": 50.0,
"description": "Repayment"
}
],
"loanTransactions": [
{
"date": "2023-08-14",
"amount": 100.0,
"description": "Loan"
},
{
"date": "2023-08-15",
"amount": 50.0,
"description": "Repayment"
}
],
"loanRepaymentTransactions": [
{
"date": "2023-08-14",
"amount": 100.0,
"description": "Loan"
},
{
"date": "2023-08-15",
"amount": 50.0,
"description": "Repayment"
}
],
"totalLoanAmount": 0,
"totalLoanRepaymentAmount": 0,
"loanInflowRate": 0,
"loanRepaymentToInflowRate": 0,
"numberOfCreditLoanTransactions": 0,
"numberOfDebitRepaymentTransactions": 0,
"gamblingStatus": "No Gambling Transactions Found",
"gamblingRate": 0,
"accountActivity": 0.3,
"percentOfInflowIrregularity": 0.24,
"averageMonthlyLoanAmount": 0,
"averageMonthlyLoanRepaymentAmount": 0,
"numberLoanTransactions": 0,
"numberRepaymentTransactions": 0,
"loanToInflowRate": 0,
"accountSweep": "No",
"numberOfBettingTransactions": 0
},
"cashFlowAnalysis": {
"totalCreditTurnover": 597799.83,
"totalDebitTurnOver": 595484,
"averageMonthlyCredits": 74724.98,
"averageMonthlyDebits": 74435.5,
"averageWeeklyCredits": 17080,
"averageWeeklyDebits": 17514.24,
"averageMonthlyBalance": 15470.98,
"averageWeeklyBalance": 7897.74,
"numberOfTransactingMonths": 8,
"monthlyOutflow": [
{
"year": "2019",
"month_name": "November",
"amount": 59505.5
},
{
"year": "2019",
"month_name": "December",
"amount": 67920.87
},
{
"year": "2020",
"month_name": "January",
"amount": 91330.77
},
{
"year": "2020",
"month_name": "February",
"amount": 59590.91
},
{
"year": "2020",
"month_name": "March",
"amount": 6280.93
},
{
"year": "2020",
"month_name": "April",
"amount": 71968.24
},
{
"year": "2020",
"month_name": "May",
"amount": 69173.54
},
{
"year": "2020",
"month_name": "June",
"amount": 81788.56
},
{
"year": "2020",
"month_name": "July",
"amount": 87924.68
}
],
"monthlyInflow": [
{
"year": "2019",
"month_name": "November",
"amount": 62000
},
{
"year": "2019",
"month_name": "December",
"amount": 65903.66
},
{
"year": "2020",
"month_name": "January",
"amount": 90907.82
},
{
"year": "2020",
"month_name": "February",
"amount": 59813.26
},
{
"year": "2020",
"month_name": "March",
"amount": 6109.26
},
{
"year": "2020",
"month_name": "April",
"amount": 72002.19
},
{
"year": "2020",
"month_name": "May",
"amount": 70604.05
},
{
"year": "2020",
"month_name": "June",
"amount": 80356.67
},
{
"year": "2020",
"month_name": "July",
"amount": 90102.92
}
],
"weeklyInflow": [
{
"year": "2019",
"month_name": "November",
"week": "week 3",
"amount": 0
},
{
"year": "2019",
"month_name": "November",
"week": "week 4",
"amount": 62000
},
{
"year": "2019",
"month_name": "December",
"week": "week 2",
"amount": 3.66
},
{
"year": "2019",
"month_name": "December",
"week": "week 3",
"amount": 3000
},
{
"year": "2019",
"month_name": "December",
"week": "week 4",
"amount": 62900
},
{
"year": "2020",
"month_name": "January",
"week": "week 1",
"amount": 7.82
},
{
"year": "2020",
"month_name": "January",
"week": "week 3",
"amount": 11000
},
{
"year": "2020",
"month_name": "January",
"week": "week 4",
"amount": 79900
},
{
"year": "2020",
"month_name": "February",
"week": "week 2",
"amount": 5.26
},
{
"year": "2020",
"month_name": "February",
"week": "week 4",
"amount": 59808
},
{
"year": "2020",
"month_name": "March",
"week": "week 1",
"amount": 1109.26
},
{
"year": "2020",
"month_name": "March",
"week": "week 4",
"amount": 5000
},
{
"year": "2020",
"month_name": "April",
"week": "week 1",
"amount": 62002.19
},
{
"year": "2020",
"month_name": "April",
"week": "week 4",
"amount": 10000
},
{
"year": "2020",
"month_name": "May",
"week": "week 1",
"amount": 2004.05
},
{
"year": "2020",
"month_name": "May",
"week": "week 2",
"amount": 57000
},
{
"year": "2020",
"month_name": "May",
"week": "week 3",
"amount": 7000
},
{
"year": "2020",
"month_name": "May",
"week": "week 4",
"amount": 4600
},
{
"year": "2020",
"month_name": "June",
"week": "week 1",
"amount": 57006.67
},
{
"year": "2020",
"month_name": "June",
"week": "week 2",
"amount": 8500
},
{
"year": "2020",
"month_name": "June",
"week": "week 3",
"amount": 6750
},
{
"year": "2020",
"month_name": "June",
"week": "week 4",
"amount": 8100
},
{
"year": "2020",
"month_name": "July",
"week": "week 1",
"amount": 18102.92
},
{
"year": "2020",
"month_name": "July",
"week": "week 2",
"amount": 72000
}
],
"weeklyOutflow": [
{
"year": "2019",
"month_name": "November",
"week": "week 4",
"amount": 59505.5
},
{
"year": "2019",
"month_name": "December",
"week": "week 1",
"amount": 2234.5
},
{
"year": "2019",
"month_name": "December",
"week": "week 2",
"amount": 0.37
},
{
"year": "2019",
"month_name": "December",
"week": "week 4",
"amount": 65686
},
{
"year": "2020",
"month_name": "January",
"week": "week 1",
"amount": 453.28
},
{
"year": "2020",
"month_name": "January",
"week": "week 3",
"amount": 11000
},
{
"year": "2020",
"month_name": "January",
"week": "week 4",
"amount": 79877.49
},
{
"year": "2020",
"month_name": "February",
"week": "week 2",
"amount": 0.53
},
{
"year": "2020",
"month_name": "February",
"week": "week 4",
"amount": 59590.38
},
{
"year": "2020",
"month_name": "March",
"week": "week 1",
"amount": 200.93
},
{
"year": "2020",
"month_name": "March",
"week": "week 3",
"amount": 1070
},
{
"year": "2020",
"month_name": "March",
"week": "week 4",
"amount": 5010
},
{
"year": "2020",
"month_name": "April",
"week": "week 1",
"amount": 57911.61
},
{
"year": "2020",
"month_name": "April",
"week": "week 2",
"amount": 4019.75
},
{
"year": "2020",
"month_name": "April",
"week": "week 3",
"amount": 50
},
{
"year": "2020",
"month_name": "April",
"week": "week 4",
"amount": 9986.88
},
{
"year": "2020",
"month_name": "May",
"week": "week 1",
"amount": 2050.41
},
{
"year": "2020",
"month_name": "May",
"week": "week 2",
"amount": 56766.38
},
{
"year": "2020",
"month_name": "May",
"week": "week 3",
"amount": 7256.75
},
{
"year": "2020",
"month_name": "May",
"week": "week 4",
"amount": 3100
},
{
"year": "2020",
"month_name": "June",
"week": "week 1",
"amount": 57822.06
},
{
"year": "2020",
"month_name": "June",
"week": "week 2",
"amount": 9120.75
},
{
"year": "2020",
"month_name": "June",
"week": "week 3",
"amount": 5295.75
},
{
"year": "2020",
"month_name": "June",
"week": "week 4",
"amount": 9550
},
{
"year": "2020",
"month_name": "July",
"week": "week 1",
"amount": 17891.79
},
{
"year": "2020",
"month_name": "July",
"week": "week 2",
"amount": 70032.89
}
],
"monthlyHighestBalance": [
{
"year": "2019",
"month_name": "November",
"highest_balance": 62071.43
},
{
"year": "2019",
"month_name": "December",
"highest_balance": 65334.72
},
{
"year": "2020",
"month_name": "January",
"highest_balance": 62103.26
},
{
"year": "2020",
"month_name": "February",
"highest_balance": 59938.5
},
{
"year": "2020",
"month_name": "March",
"highest_balance": 5186.45
},
{
"year": "2020",
"month_name": "April",
"highest_balance": 62178.42
},
{
"year": "2020",
"month_name": "May",
"highest_balance": 57164.04
},
{
"year": "2020",
"month_name": "June",
"highest_balance": 57146.91
},
{
"year": "2020",
"month_name": "July",
"highest_balance": 67309.4
}
],
"monthlyLowestBalance": [
{
"year": "2019",
"month_name": "November",
"lowest_balance": 71.43
},
{
"year": "2019",
"month_name": "December",
"lowest_balance": 331.06
},
{
"year": "2020",
"month_name": "January",
"lowest_balance": 103.26
},
{
"year": "2020",
"month_name": "February",
"lowest_balance": 125.24
},
{
"year": "2020",
"month_name": "March",
"lowest_balance": 147.19
},
{
"year": "2020",
"month_name": "April",
"lowest_balance": 137.28
},
{
"year": "2020",
"month_name": "May",
"lowest_balance": 140.91
},
{
"year": "2020",
"month_name": "June",
"lowest_balance": 146.91
},
{
"year": "2020",
"month_name": "July",
"lowest_balance": 187.26
}
],
"accountSummary": [
{
"Year": "2019",
"Month": "November",
"HighestBalance": 62071.43,
"LowestBalance": 71.43,
"DaysInDebit": 0,
"DebitTurnover": 59505.5,
"CreditTurnover": 62000
},
{
"Year": "2019",
"Month": "December",
"HighestBalance": 65334.72,
"LowestBalance": 331.06,
"DaysInDebit": 0,
"DebitTurnover": 67920.87,
"CreditTurnover": 65903.66
},
{
"Year": "2020",
"Month": "January",
"HighestBalance": 62103.26,
"LowestBalance": 103.26,
"DaysInDebit": 0,
"DebitTurnover": 91330.77,
"CreditTurnover": 90907.82
},
{
"Year": "2020",
"Month": "February",
"HighestBalance": 59938.5,
"LowestBalance": 125.24,
"DaysInDebit": 0,
"DebitTurnover": 59590.91,
"CreditTurnover": 59813.26
},
{
"Year": "2020",
"Month": "March",
"HighestBalance": 5186.45,
"LowestBalance": 147.19,
"DaysInDebit": 0,
"DebitTurnover": 6280.93,
"CreditTurnover": 6109.26
},
{
"Year": "2020",
"Month": "April",
"HighestBalance": 62178.42,
"LowestBalance": 137.28,
"DaysInDebit": 0,
"DebitTurnover": 71968.24,
"CreditTurnover": 72002.19
},
{
"Year": "2020",
"Month": "May",
"HighestBalance": 57164.04,
"LowestBalance": 140.91,
"DaysInDebit": 0,
"DebitTurnover": 69173.54,
"CreditTurnover": 70604.05
},
{
"Year": "2020",
"Month": "June",
"HighestBalance": 57146.91,
"LowestBalance": 146.91,
"DaysInDebit": 0,
"DebitTurnover": 81788.56,
"CreditTurnover": 80356.67
},
{
"Year": "2020",
"Month": "July",
"HighestBalance": 67309.4,
"LowestBalance": 187.26,
"DaysInDebit": 0,
"DebitTurnover": 87924.68,
"CreditTurnover": 90102.92
}
],
"validCredit": 597799.83,
"periodInStatement": "November - July",
"yearInStatement": "2019, 2020",
"firstDateInStatement": "2019-11-23",
"lastDateInStatement": "2020-07-15",
"closingBalance": 2387.26,
"percentageOfExpenseOverInflow": 1
},
"incomeAnalysis": {
"salaryTransactions": [
{
"date": "2019-November",
"description": "tnf gdm consult ltd 637103918036322226 1 kotex ins",
"amount": 62000,
"month-name": "November",
"year": "2019"
},
{
"date": "2019-December",
"description": "tnf gdm consult ltd 637121790183303851 1 kotex ins",
"amount": 62000,
"month-name": "December",
"year": "2019"
},
{
"date": "2020-January",
"description": "tnf gdm consult ltd 637153081019011155 1 kotex ins",
"amount": 62000,
"month-name": "January",
"year": "2020"
},
{
"date": "2020-February",
"description": "tnf gdm consult ltd 637182237023269907 1 kotex ins",
"amount": 59808,
"month-name": "February",
"year": "2020"
},
{
"date": "2020-April",
"description": "tnf gdm consult ltd 637212447712956407 14 kotex mt",
"amount": 62000,
"month-name": "April",
"year": "2020"
},
{
"date": "2020-May",
"description": "tnf gdm consult ltd 637245410490534930 1 kotex ins",
"amount": 57000,
"month-name": "May",
"year": "2020"
},
{
"date": "2020-June",
"description": "tnf gdm consult ltd 637267717042439265 1 kotex ins",
"amount": 57000,
"month-name": "June",
"year": "2020"
},
{
"date": "2020-July",
"description": "tnf gdm consult ltd 637293699066036825 1 kotex ins",
"amount": 67000,
"month-name": "July",
"year": "2020"
}
],
"averagePredictedSalary": 61101,
"isSalaryEarner": "Yes",
"expectedSalaryPaymentDay": 30,
"frequencyOfSalaryPayments": "1",
"lastDateOfSalaryPayment": "07/09/2020 00:00:00",
"numberOfSalaryPayments": 8,
"hasOtherIncome": "No",
"otherIncomeTransactions": [
{
"date": "2019-November",
"description": "tnf gdm consult ltd 637103918036322226 1 kotex ins",
"amount": 62000,
"month-name": "November",
"year": "2019"
},
{
"date": "2019-December",
"description": "tnf gdm consult ltd 637121790183303851 1 kotex ins",
"amount": 62000,
"month-name": "December",
"year": "2019"
}
],
"averageOtherIncome": 0,
"numberOfOtherIncomePayments": 0,
"netAverageMonthlyEarning": 0,
"lowestSalary": 57000,
"lowestSalaryDate": "2020-05-11 00:00:00",
"mostRecentSalary": "67000.0"
},
"confidenceOnParsing": 1,
"pdfCreatedDate": "2020-07-29T13:53:12+00:00",
"pdfModifiedDate": "2020-07-29T13:53:12+00:00"
}
NOTE: Variable definitions can be found here