Consumer analytics

AttributeData TypeDescription
nameTextBank account name, constructed from account_number, bank_name & account_type
account_numberTextBank account number
account_typeBank Account TypeThis includes SAVINGS, CHECKING, CREDITCARD, IOLTA.
account_categoryBank Account CategoryThis includes BUSINESS, PERSONAL, UNKNOWN.
account_holderTextName of bank account holder
holder_address_1
holder_address_2
holder_city
holder_state
holder_zip
TextAddress of bank account holder
txn_countIntegerCount of Transactions
total_daysIntegerThe total number of days in all statement periods captured in the bank account.
average_by_monthMonth MapThe average absolute value of all transactions in a calendar month.
average_daily_balanceMoneyThe average daily ending balance (including weekends).
average_daily_balance_by_monthMonth MapThe average daily ending balance (including weekends) in a calendar month.
average_daily_balance_weekdayMoneyThe average daily ending balance of weekdays.
average_daily_balance_weekday_by_monthMonth MapThe average daily balance of weekdays in a calendar month (measured at the end of each weekday).
average_deposit_by_monthMonth MapThe average value of credit transactions in a calendar month.
cash_balance_trend_30dMoneyThe ratio of today's cash balance to the balance 30 days ago
cash_balance_trend_60dMoneyThe ratio of today's cash balance to the balance 60 days ago
cash_balance_trend_90dMoneyThe ratio of today's cash balance to the balance 90 days ago
cash_flow_trend_30dMoneyThe 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_60dMoneyThe 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_90dMoneyThe 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_balancesDate MapA list of the daily ending balances for every day.
deposit_max_by_monthMonth MapThe value of the largest credit transaction in a calendar month.
deposit_min_by_monthMonth MapThe value of the smallest credit transaction in a calendar month.
deposits_sum_by_monthMonth MapThe sum of all credit transactions in a calendar month.
deposit_sumMoneyThe total monetary value of credits.
deposit_countIntegerThe total number of credit transactions.
withdrawal_sumMoneyThe total monetary value of debits.
withdrawal_countIntegerThe total number of debit transactions.
minimum_balance_by_monthMonth MapThe lowest end-of-day balance in a calendar month
negative_balances_by_monthMonth MapThe list of all days in which the daily ending balance fell below zero in a calendar month.
negative_balances_by_month_weekdayMonth MapThe list of all weekdays in which the daily ending balance fell below zero in a calendar month.
negative_cash_flowsDate MapList of dates where net cash flows (defined as credits - debits) are negative.
negative_cash_flows_weekdayDate MapList of weekdays where net cash flows (defined as credits - debits) are negative.
net_cash_flows_by_monthMoneyThe net cash flow by month. Net Cash Flow = Credits - Debits. Credits - Debits.
recurring_vs_episodic_inflows_by_monthMoneyThe ratio of incoming transactions that are recurring, demonstrating stability of revenue over time.
recurring_vs_episodic_outflows_by_monthMoneyThe ratio of outgoing transactions that are recurring, demonstrating a likely minimum set of fixed expenses.
nsf_countIntegerThe 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_monthMonth MapThe number of unique NSF fees each month. This is especially useful with institutions that lump NSF fees into one transaction.
nsf_transactionsList of TransactionsA list of fees associated with non-sufficient funds and overdraft transactions.
nsf_transactions_paid_or_negative_balanceList of TransactionsA list of fees associated with overdraft transactions.
nsf_transactions_returned_or_not_paidList of TransactionsA list of fees associated with returned and/or unpaid items due to NSF fees.
probable_recurring_txnsList of TransactionsA list of transactions with the same dollar value that are greater than $10 and occur two or more times within 45 days.
round_number_txnsList of TransactionsA list of transactions that end in at least five zeroes, e.g., $1,000.00.
transferTransfersThe list of all transfers to/from from a bank account.
withdrawalsList of TransactionsThe list of all debits transactions from a bank account.
withdrawals_max_by_monthMonth MapThe value of the largest debit transaction in a calendar month.
withdrawals_sum_by_monthMonth MapThe sum of all debit transactions in a calendar month.
outside_source_depositsList of TransactionsThe list of credit transactions that did not originate from one of the accounts within the application.
interbank_transactionsList of TransactionsA list of all transactions to/from any bank or financial institution.
consumer_income_txnsList of TransactionsA list of all income transactions for a given consumer (direct deposit + gig)
consumer_income_sum_by_monthMonth MapSum of all income transactions by month
direct_deposit_income_sumMoneySum of all income transactions received through direct deposit, basically are payrolls
estimated_annual_incomeMoneyThe estimated annual income of a consumer, calculated by the estimated monthly income * 12
estimated_monthly_incomeMoneyThe income of a consumer during a calendar month, estimated by the average monthly income of the observed months
gig_income_sumMoneySum of all income transactions related to gig work
number_of_income_sourcesIntegerNumber 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_frequencyList of TransactionsAn estimation of the frequency at which a consumer receives income, e.g. monthly, bimonthly, weekly, quarterly, from a particular source