Risk indicators

This section lists banking incidents or risky behavior that can be extracted from Open Banking data. Each part is composed of a list of transactions and a totalAmount property that sums the amounts.

This section is composed of :

• gambling, list of all transactions with the GAMBLING category.
• incidents, list of all incidents detected in a user's cashflows. An incident is either a payment or check rejection with its associated fees. Incidents also list banking intervention on a user's accounts.
• overdraft, indicators about user's overdraft behavior. It provides insights about how long a user has been in their overdraft and the lowest balance reached.
• heavyFailure, list of all banking incidents where a state institution has directly seized money from a user's account.
• wageAdvance, list of all wage advances that are made during the analysis period.
• debtCollection, list of all transactions categorized as debt collection that are made during the analysis period.

Data sample

Risk indicators can be retrieved using the GET /credit-insights/risks endpoint:

{

  "gambling": {...},

  "incidents": {...},

  "overdraft": {...},

  "wageAdvance": {...},

  "heavyFailures": {...},

  "debtCollection": {...}

}