Consumer analytics

The following attributes are considered while performing consumer analytics:

Attribute	Data Type	Description
`name`	Text	Bank account name, constructed from `account_number`, `bank_name` & `account_type`
`account_number`	Text	Bank account number
`account_type`	Bank Account Type	This includes SAVINGS, CHECKING, CREDITCARD, IOLTA.
`account_category`	Bank Account Category	This includes BUSINESS, PERSONAL, UNKNOWN.
`account_holder`	Text	Name of bank account holder
`holder_address_1` `holder_address_2` `holder_city` `holder_state` `holder_zip`	Text	Address of bank account holder
`txn_count`	Integer	Count of Transactions
`total_days`	Integer	The total number of days in all statement periods captured in the bank account.
`average_by_month`	Month Map	The average absolute value of all transactions in a calendar month.
`average_daily_balance`	Money	The average daily ending balance (including weekends).
`average_daily_balance_by_month`	Month Map	The average daily ending balance (including weekends) in a calendar month.
`average_daily_balance_weekday`	Money	The average daily ending balance of weekdays.
`average_daily_balance_weekday_by_month`	Month Map	The average daily balance of weekdays in a calendar month (measured at the end of each weekday).
`average_deposit_by_month`	Month Map	The average value of credit transactions in a calendar month.
`cash_balance_trend_30d`	Money	The ratio of today's cash balance to the balance 30 days ago
`cash_balance_trend_60d`	Money	The ratio of today's cash balance to the balance 60 days ago
`cash_balance_trend_90d`	Money	The ratio of today's cash balance to the balance 90 days ago
`cash_flow_trend_30d`	Money	The normalized change in cash flow over time. Used to measure the change in profitability for a business in different environments. ((Mean cash flow over first 15 days ) - (Mean cash flow over last 15 days) ) / standard deviation of cash flow over the period
`cash_flow_trend_60d`	Money	The normalized change in cash flow over time. Used to measure the change in profitability for a business in different environments. ((Mean cash flow over first 30 days ) - (Mean cash flow over last 30 days) ) / standard deviation of cash flow over the period
`cash_flow_trend_90d`	Money	The normalized change in cash flow over time. Used to measure the change in profitability for a business in different environments. ((Mean cash flow over first 45 days ) - (Mean cash flow over last 45 days) ) / standard deviation of cash flow over the period
`daily_balances`	Date Map	A list of the daily ending balances for every day.
`deposit_max_by_month`	Month Map	The value of the largest credit transaction in a calendar month.
`deposit_min_by_month`	Month Map	The value of the smallest credit transaction in a calendar month.
`deposits_sum_by_month`	Month Map	The sum of all credit transactions in a calendar month.
`deposit_sum`	Money	The total monetary value of credits.
`deposit_count`	Integer	The total number of credit transactions.
`withdrawal_sum`	Money	The total monetary value of debits.
`withdrawal_count`	Integer	The total number of debit transactions.
`minimum_balance_by_month`	Month Map	The lowest end-of-day balance in a calendar month
`negative_balances_by_month`	Month Map	The list of all days in which the daily ending balance fell below zero in a calendar month.
`negative_balances_by_month_weekday`	Month Map	The list of all weekdays in which the daily ending balance fell below zero in a calendar month.
`negative_cash_flows`	Date Map	List of dates where net cash flows (defined as credits - debits) are negative.
`negative_cash_flows_weekday`	Date Map	List of weekdays where net cash flows (defined as credits - debits) are negative.
`net_cash_flows_by_month`	Money	The net cash flow by month. Net Cash Flow = Credits - Debits. Credits - Debits.
`recurring_vs_episodic_inflows_by_month`	Money	The ratio of incoming transactions that are recurring, demonstrating stability of revenue over time.
`recurring_vs_episodic_outflows_by_month`	Money	The ratio of outgoing transactions that are recurring, demonstrating a likely minimum set of fixed expenses.
`nsf_count`	Integer	The number of unique NSF & Overdraft fees for each bank account. This is especially useful with institutions that lump NSF fees into one transaction.
`nsf_count_by_month`	Month Map	The number of unique NSF fees each month. This is especially useful with institutions that lump NSF fees into one transaction.
`nsf_transactions`	List of Transactions	A list of fees associated with non-sufficient funds and overdraft transactions.
`nsf_transactions_paid_or_negative_balance`	List of Transactions	A list of fees associated with overdraft transactions.
`nsf_transactions_returned_or_not_paid`	List of Transactions	A list of fees associated with returned and/or unpaid items due to NSF fees.
`probable_recurring_txns`	List of Transactions	A list of transactions with the same dollar value that are greater than $10 and occur two or more times within 45 days.
`round_number_txns`	List of Transactions	A list of transactions that end in at least five zeroes, e.g., $1,000.00.
`transfer`	Transfers	The list of all transfers to/from from a bank account.
`withdrawals`	List of Transactions	The list of all debits transactions from a bank account.
`withdrawals_max_by_month`	Month Map	The value of the largest debit transaction in a calendar month.
`withdrawals_sum_by_month`	Month Map	The sum of all debit transactions in a calendar month.
`outside_source_deposits`	List of Transactions	The list of credit transactions that did not originate from one of the accounts within the application.
`interbank_transactions`	List of Transactions	A list of all transactions to/from any bank or financial institution.
`consumer_income_txns`	List of Transactions	A list of all income transactions for a given consumer (direct deposit + gig)
`consumer_income_sum_by_month`	Month Map	Sum of all income transactions by month
`direct_deposit_income_sum`	Money	Sum of all income transactions received through direct deposit, basically are payrolls
`estimated_annual_income`	Money	The estimated annual income of a consumer, calculated by the estimated monthly income * 12
`estimated_monthly_income`	Money	The income of a consumer during a calendar month, estimated by the average monthly income of the observed months
`gig_income_sum`	Money	Sum of all income transactions related to gig work
`number_of_income_sources`	Integer	Number of distinct income sources for a given consumer. Transactions from the same source are grouped by the descriptions whose similarities are calculated using levenshtein distance
`payroll_frequency`	List of Transactions	An estimation of the frequency at which a consumer receives income, e.g. monthly, bimonthly, weekly, quarterly, from a particular source

Updated 4 months ago