Risk indicators

AI Tools

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": { "totalAmount": 0, "transactions": [] }, "incidents": { "paymentRejections": { "totalAmount": 353.44, "transactions": [ { "currency": "EUR", "amount": 9.99, "description": "REJET PRLV SPOTIFY", "dates": { "debitedAt": "2022-02-11T22:00:00.000Z", "bookedAt": "2022-02-11T22:00:00.000Z" }, "isComing": true, "aggregator": { "id": "6035", "type": "CREDIT" }, "enrichments": { "category": "REJECTION_PAYMENT", "type": "CREDIT", "counterPartId": "624af3553cbf1921af30cfc7", "isRejected": false, "relatedTransactions": { "rejectionOf": "624af3553cbf1921af30cfc7" }, "groupId": "label_1_-1_624af3553cbf19734b30cfc8-label_1_-1_624af3553cbf19734b30cfc8", "descriptionGroupId": "label_1_-1_624af3553cbf19734b30cfc8", "isInternationalTransfer": false }, "createdAt": "2022-04-04T13:32:10.900Z", "updatedAt": "2022-04-04T13:32:10.900Z", "id": "624af3553cbf19734b30cfc8" }, ... ], "totalFeesAmount": -40, "feesTransactions": [ { "currency": "EUR", "_id": "624af3553cbf19f8a430cfb6", "amount": -20, "description": "F FRAIS PRLV IMP 543,45EUR 20 PROVISION INSUFFISANTE", "dates": { "debitedAt": "2022-02-25T22:00:00.000Z", "bookedAt": "2022-02-25T22:00:00.000Z" }, "isComing": true, "aggregator": { "id": "6047", "type": "DEBIT" }, "enrichments": { "category": "FEES_PAYMENT_REJECTION", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "label_0_10-label_0_10", "descriptionGroupId": "label_0_10", "isInternationalTransfer": false }, "createdAt": "2022-04-04T13:32:10.900Z", "updatedAt": "2022-04-04T13:32:10.900Z" }, ... ] }, "checkRejections": { "totalAmount": 0, "transactions": [], "totalFeesAmount": 0, "feesTransactions": [] }, "interventionFees": { "totalAmount": 0, "transactions": [] } }, "overdraft": { "minimumBalanceReached": -726.89, "duration": 46, "fees": { "totalAmount": -89.89, "transactions": [ { "currency": "EUR", "amount": -89.89, "description": "F INT/FRAIS TX DEBIT 15,81%/AN", "dates": { "debitedAt": "2022-02-25T22:00:00.000Z", "bookedAt": "2022-02-25T22:00:00.000Z" }, "isComing": true, "aggregator": { "id": "6049", "type": "DEBIT" }, "enrichments": { "category": "FEES_OVERDRAFT", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "label_0_-1_624af3553cbf1942ea30cfb8-label_0_-1_624af3553cbf1942ea30cfb8", "descriptionGroupId": "label_0_-1_624af3553cbf1942ea30cfb8", "isInternationalTransfer": false }, "createdAt": "2022-04-04T13:32:10.900Z", "updatedAt": "2022-04-04T13:32:10.900Z", "id": "624af3553cbf1942ea30cfb8" } ] } }, "wageAdvance": { "totalAmount": 0, "transactions": [] }, "heavyFailures": { "directRecoveryOfDebt": { "totalAmount": 0, "transactions": [] }, "bankAccountSeizure": { "totalAmount": 0, "transactions": [] } }, "debtCollection": { "totalAmount": -32.4, "transactions": [ { "accountId": "630873bf550ddccbab14006c", "dates": { "debitedAt": "2022-06-23T00:00:00.000Z" }, "description": "PRELEVEMENT YOUNITED FREEBOX PAR YOUNITED-CREDIT RECOUVREMENT 2020-06 CFR201903282L0IP90", "amount": -10.8, "currency": "EUR", "enrichments": { "category": "DEBT_COLLECTION", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "exp_t_j_0", "descriptionGroupId": "exp_GB_10", "isInternationalTransfer": false }, "_id": "630873bf550ddccbab14006d", "updatedAt": "2022-08-26T07:18:23.263Z", "createdAt": "2022-08-26T07:18:23.263Z" }, { "accountId": "630873bf550ddccbab14006c", "dates": { "debitedAt": "2022-07-01T00:00:00.000Z" }, "description": "PRELEVEMENT YOUNITED FREEBOX PAR YOUNITED-CREDIT RECOUVREMENT 2020-07 CFR201903282L0IP90", "amount": -10.8, "currency": "EUR", "enrichments": { "category": "DEBT_COLLECTION", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "exp_t_j_0", "descriptionGroupId": "exp_GB_10", "isInternationalTransfer": false }, "_id": "630873bf550ddccbab14006e", "updatedAt": "2022-08-26T07:18:23.263Z", "createdAt": "2022-08-26T07:18:23.263Z" }, { "accountId": "630873bf550ddccbab14006c", "dates": { "debitedAt": "2022-08-19T00:00:00.000Z" }, "description": "PRLV SEPA YOUNITED 3655402 FREEBOX PAR YOUNITED-CREDIT RECOUVR EMENT 2020-08 CFR201910283NEAZJG", "amount": -10.8, "currency": "EUR", "enrichments": { "category": "DEBT_COLLECTION", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "exp_t_iso_461ed45", "descriptionGroupId": "exp_7a9ba6f", "isInternationalTransfer": false }, } } }

Last updated on Sep 2, 2022

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