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

}


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