{
"key": 1,
"name": "Mandatory Statement Name",
"source": "PERICULUM",
"clientFullName": "somename",
"clientPhoneNumber": number,
"accountType": "account type",
"accountBalance": "account balance",
"accountName": "account name",
"bankName": "bank name",
"statementType": "CONSUMER",
"startDate": "2020-06-17T00:00:00",
"endDate": "2020-06-17T00:00:00",
"createdDate": "2021-11-10T15:57:13.2546941Z",
"processingStatus": "PROCESSED",
"clientIdentification": [
{
"identifierName": "bvn",
"identifierValue": null
},
{
"identifierName": "nin",
"identifierValue": null
}
],
"spendAnalysis": {
"averageMonthlySpendOnTransfer": 17761.56,
"averageMonthlySpendOnAtmAndPOS": 0,
"averageMonthlySpendOnUSSD": 485.38,
"averageMonthlySpendOnGambling": 0,
"averageMonthlySpendOnAirtimeAndData": 1000,
"averageMonthlySpendOnUtilities": 0,
"averageMonthlySpendOnOnlineAndWeb": 0,
"averageMonthlySpendOnTransportation": 0,
"averageMonthlySpendOnHealth": 0,
"averageMonthlySpendOnTravel": 0,
"averageMonthlySpendOnEntertainment": 0,
"averageMonthlySpendOnHospitalityAndFood": 0,
"averageMonthlySpendOnRent": 0,
"averageMonthlySpendOnInsurance": 0,
"averageMonthlySpendOnChargesAndStampDuty": 0,
"averageMonthlySpendOnInternationalTransactions": 0,
"averageMonthlyTotalExpenses": 19246.94,
"averageMonthlyRecurringExpense": 236361.93,
"averageMonthlySpendOnSavingsAndInvestments": 0,
"averageMonthlySpendOnCrypto": 0,
"averageMonthlySpendOnOthers": 51888.67,
"mostRecurringExpense": "transfer_transactions",
"totalSpendOnTransfer": 589921.4,
"totalSpendOnAtmAndPOS": 356066.8,
"totalSpendOnUSSD": 0,
"totalSpendOnGambling": 0,
"totalSpendOnAirtimeAndData": 11050,
"totalSpendOnUtilities": 0,
"totalSpendOnOnlineAndWeb": 0,
"totalSpendOnTransportation": 0,
"totalSpendOnHealth": 0,
"totalSpendOnTravel": 0,
"totalSpendOnEntertainment": 0,
"totalSpendOnHospitalityAndFood": 0,
"totalSpendOnRent": 0,
"totalSpendOnInsurance": 0,
"totalSpendOnChargesAndStampDuty": 521.4,
"totalSpendOnInternationalTransactions": 0,
"totalMonthlyExpenses": 957559.6,
"totalRecurringExpense": 0,
"totalExpenses": 1264049.98,
"totalMonthlySpendOnSavingsAndInvestments": 0,
"totalSpendOnCrypto": 0,
"totalSpendOnOthers": 207554.68,
"atmLocations": ["xyz","abc"],
"mostFrequentSpendCategory": "transfer_transactions",
"monthWithHighestSpend": "4/2020",
"highestSpend": 540591.36,
"mostFrequentExpense": "nip cr olajide oluwatimilehin adedotun eco",
"mostFrequentExpenseAmount": 5000,
},
"transactionPatternAnalysis": {
"lastDayOfCredit": "2020-09-14",
"lastDayOfDebit": "2020-09-14",
"percentDebitTransactions": 0.88,
"percentCreditTransactions": 0.12,
"totalNumberOfTransactions": 128,
"percentOfTransactionsLessThan10ThousandNaira": 0.71,
"percentOfTransactionsBetween10ThousandTo100ThousandNaira": 0.25,
"percentOfTransactionsBetween100ThousandTo500ThousandNaira": 0.05,
"percentOfTransactionsBetween500ThousandToOneMillionNaira": 0,
"percentOfTransactionsGreaterThanOneMillionNaira": 0,
"percentNumberOfDaysTransactionsWasLessThan10ThousandNaira": 0.79,
"percentOfBalancesLessThan10ThousandNaira": 0.25,
"percentOfBalancesBetween10ThousandTo100ThousandNaira": 0.31,
"percentOfBalancesBetween100ThousandTo500ThousandNaira": 0.44,
"percentOfBalancesBetween500ThousandToOneMillionNaira": 0,
"percentOfBalancesGreaterThanOneMillionNaira": 0,
"percentNumberOfDaysBalanceWasLessThan10ThousandNaira": 0.35,
"mostFrequentBalanceRange": "100k-500k",
"mostFrequentTransactionRange": "<=10k",
"numberOfCardRequests": 0,
"mostFrequentCreditTransfer": "nip/abn/lagos bus services ltd",
"mostFrequentDebitTransfer": "nip/abn/lagos bus services ltd",
"returnCheque": 0,
"missingTransactions": "4",
"balanceBreakdown": [
{
"min": -1E+18,
"max": 500,
"percentageOfTransactionsInBucket": 0.058
},
{
"min": 500,
"max": 1000,
"percentageOfTransactionsInBucket": 0.017
},
{
"min": 1000,
"max": 10000,
"percentageOfTransactionsInBucket": 0.017
},
{
"min": 10000,
"max": 100000,
"percentageOfTransactionsInBucket": 0.149
},
{
"min": 100000,
"max": 500000,
"percentageOfTransactionsInBucket": 0.76
},
{
"min": 500000,
"max": 1000000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 1000000,
"max": 1E+18,
"percentageOfTransactionsInBucket": 0
}
],
"transactionBreakdown": [
{
"min": -1E+18,
"max": 500,
"percentageOfTransactionsInBucket": 0.306
},
{
"min": 500,
"max": 1000,
"percentageOfTransactionsInBucket": 0.033
},
{
"min": 1000,
"max": 10000,
"percentageOfTransactionsInBucket": 0.339
},
{
"min": 10000,
"max": 100000,
"percentageOfTransactionsInBucket": 0.256
},
{
"min": 100000,
"max": 500000,
"percentageOfTransactionsInBucket": 0.066
},
{
"min": 500000,
"max": 1000000,
"percentageOfTransactionsInBucket": 0
},
{
"min": 1000000,
"max": 1E+18,
"percentageOfTransactionsInBucket": 0
}
],
"percentNumberOfDaysTransactionsInSmallestBucket": 0.634,
"percentNumberOfDaysBalancesInSmallestBucket": 0.146,
"noOfSelfTransferInflows": 136,
"noOfSelfTransferOutflows": 38,
"selfTransferInflowAmount": 17159550,
"selfTransferOutflowAmount": 21802085.9,
"selfTransferInflowTransactions": [
{
"date": "2021-10-12 00:00:00",
"amount": 279000
},
{
"date": "2022-01-20 00:00:00",
"amount": 100000
},
{
"date": "2022-04-13 00:00:00",
"amount": 900000
},
{
"date": "2022-04-13 00:00:00",
"amount": 10000
}
],
"selfTransferOutflowTransactions": [
{
"date": "2022-05-04 00:00:00",
"amount": 50026.88
},
{
"date": "2022-05-05 00:00:00",
"amount": 3000053.75
},
{
"date": "2022-05-06 00:00:00",
"amount": 350053.75
},
{
"date": "2022-05-06 00:00:00",
"amount": 40026.88
}
]
},
"behavioralAnalysis": {
"monthToMonthInflowToOutflowRate": "Equal Cash Flow",
"overallInflowToOutflowRate": "Equal Cash Flow",
"totalLoanAmount": 13000,
"totalLoanRepaymentAmount": 0,
"loanToInflowRate": 0.01,
"loanRepaymentToInflowRate": 0,
"numberLoanTransactions": 1,
"numberRepaymentTransactions": 0,
"gamblingStatus": "No Gambling Transactions Found",
"gamblingRate": 0,
"accountActivity": 0.5,
"percentOfInflowIrregularity": 0.14,
"averageMonthlyLoanAmount": 0.5,
"averageMonthlyLoanRepaymentAmount": 0.5,
"accountSweep": "No",
"numberOfBettingTransactions": 0,
"loanTransactions": [
{
"date": "2021-08-11 00:00:00",
"amount": 3000000,
"description": "renmoney loan disbursement for loan id 163003223"
},
{
"date": "2022-01-27 00:00:00",
"amount": 3778000,
"description": "baobab micro finance bank 090136 loan disbursement"
},
{
"date": "2022-04-11 00:00:00",
"amount": 5000,
"description": "trf loan frm agbo anthony ugochukwu to nwiboko anayo andrew"
}
],
"loanRepaymentTransactions": [
{
"date": "2021-08-11 00:00:00",
"amount": 3000000,
"description": "renmoney loan disbursement for loan id 163003223"
},
{
"date": "2022-01-27 00:00:00",
"amount": 3778000,
"description": "baobab micro finance bank 090136 loan disbursement"
},
{
"date": "2022-04-11 00:00:00",
"amount": 5000,
"description": "trf loan frm agbo anthony ugochukwu to nwiboko anayo andrew"
}
],
},
"cashFlowAnalysis": {
"totalCreditTurnover": 1369432.54,
"totalDebitTurnOver": 1380699.92,
"averageMonthlyCredits": 342358.14,
"averageMonthlyDebits": 345174.98,
"averageWeeklyCredits": 105340.96,
"averageWeeklyDebits": 98621.42,
"averageMonthlyBalance": 96925.31,
"averageWeeklyBalance": 82462.91,
"numberOfTransactingMonths": 4,
"monthlyOutflow": [
{
"year": "2021",
"month_name": "January",
"amount": 0
},
{
"year": "2021",
"month_name": "Febuary",
"amount": 0
},
{
"year": "2021",
"month_name": "March",
"amount": 0
},
{
"year": "2021",
"month_name": "April",
"amount": 0
},
{
"year": "2021",
"month_name": "May",
"amount": 0
},
{
"year": "2021",
"month_name": "June",
"amount": 0
},
{
"year": "2021",
"month_name": "July",
"amount": 0
},
{
"year": "2021",
"month_name": "August",
"amount": 0
},
{
"year": "2021",
"month_name": "September",
"amount": 0
},
{
"year": "2021",
"month_name": "October",
"amount": 0
},
{
"year": "2021",
"month_name": "November",
"amount": 0
},
{
"year": "2021",
"month_name": "December",
"amount": 749336.54
},
{
"year": "2022",
"month_name": "January",
"amount": 295526.89
},
{
"year": "2022",
"month_name": "Febuary",
"amount": 0
},
{
"year": "2022",
"month_name": "March",
"amount": 0
},
{
"year": "2022",
"month_name": "April",
"amount": 0
}
],
"monthlyInflow": [
{
"year": "2021",
"month_name": "January",
"amount": 0
},
{
"year": "2021",
"month_name": "Febuary",
"amount": 0
},
{
"year": "2021",
"month_name": "March",
"amount": 0
},
{
"year": "2021",
"month_name": "April",
"amount": 0
},
{
"year": "2021",
"month_name": "May",
"amount": 0
},
{
"year": "2021",
"month_name": "June",
"amount": 0
},
{
"year": "2021",
"month_name": "July",
"amount": 0
},
{
"year": "2021",
"month_name": "August",
"amount": 0
},
{
"year": "2021",
"month_name": "September",
"amount": 0
},
{
"year": "2021",
"month_name": "October",
"amount": 0
},
{
"year": "2021",
"month_name": "November",
"amount": 0
},
{
"year": "2021",
"month_name": "December",
"amount": 749336.54
},
{
"year": "2022",
"month_name": "January",
"amount": 295526.89
},
{
"year": "2022",
"month_name": "Febuary",
"amount": 0
},
{
"year": "2022",
"month_name": "March",
"amount": 0
},
{
"year": "2022",
"month_name": "April",
"amount": 0
}
],
"validCredit": 842500,
"periodInStatement": "June - September",
"yearInStatement": "2020",
"firstDateInStatement": "2020-06-17",
"lastDateInStatement": "2020-09-14",
"closingBalance": 4894.64
},
"incomeAnalysis": {
"salaryTransactions": [
{
"date": "2021-12-16 18:45:00",
"description": "Some description",
"amount": 10000
},
{
"date": "2022-01-04 16:33:00",
"description": "Some description",
"amount": 10000
},
{
"date": "2022-01-12 14:35:00",
"description": "Some description",
"amount": 5000
},
{
"date": "2022-01-12 14:38:00",
"description": "Some description",
"amount": 25000
},
{
"date": "2022-01-29 13:19:00",
"description": "Some description",
"amount": 10000
}
],
"averagePredictedSalary": 374385.22,
"isSalaryEarner": "Yes",
"expectedSalaryPaymentDay": 24,
"frequencyOfSalaryPayments": "1",
"lastDateOfSalaryPayment": "2020-08-24",
"numberOfSalaryPayments": 3,
"hasOtherIncome": "No",
"otherIncomeTransactions": [
{
"date": "2021-12-16 18:45:00",
"description": "Some description",
"amount": 10000
},
{
"date": "2022-01-04 16:33:00",
"description": "Some description",
"amount": 10000
},
{
"date": "2022-01-12 14:35:00",
"description": "Some description",
"amount": 5000
},
{
"date": "2022-01-12 14:38:00",
"description": "Some description",
"amount": 25000
},
{
"date": "2022-01-29 13:19:00",
"description": "Some description",
"amount": 10000
}
],
"averageOtherIncome": 0,
"numberOfOtherIncomePayments": 0,
"lowestSalary": 374385.22,
"mostRecentSalary": 374385.22,
}
}
Types Of Processing Status
| Name | Description | Type |
|---|---|---|
| processingStatus | UPLOADED | PROCESSED | FAILED | SUCCESSFUL | ACCOUNT LINKED | PROCESSING | INSUFFIENT BALANCE | NO BALANCE | NO TRANSACTIONS | NOT ENOUGH TRANSACTIONS | NOT LINKED | string |
NOTE: Variable definitions can be found here