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  • Affordability assessment requires transaction data
  • Get affordability
  • Calculate affordability of customer
  1. API Documentation
  2. Risk Analysis
  3. Insights

Affordability Assessment

Affordability assessment requires transaction data

For us to calculate affordability of your customer, we need transaction data from their bank account, wallet and or POS in the case of SMEs.

Example Transactions Object schema required:

{
  "transactions": [
    {
      "external_transaction_id": "958d14298-91ee-405d-89da-248c30eaf0e81-pending",
      "type": "debit",
      "amount": -255,
      "currency": "ZAR",
      "status": "Approved",
      "account_name": "Capitec-bank",
      "account_number": "123-123-123",
      "balance": {
        "amount": 12105,
        "currency": "ZAR",
        "type": "ClosingAvailable"
      },
      "date_time": 1774672448
    },
    {
      "external_transaction_id": "958d14298-91ee-405d-89da-248c30eaf0e81-pending",
      "type": "debit",
      "amount": -100,
      "currency": "ZAR",
      "status": "Approved",
      "account_name": "Capitec-bank",
      "account_number": "123-123-123",
      "balance": {
        "amount": 12005,
        "currency": "ZAR",
        "type": "ClosingAvailable"
      },
      "date_time": 1574672448
    }
    ]
}

Get affordability

Calculate affordability of customer

POST https://api.akibadigital.com/v1/affordability

Headers

Name
Type
Description

Token*

String

Access auth Token

Content-Type*

String

application/json

Request Body

Name
Type
Description

customer_reference*

String

your custom reference of the customer i.e phone number

transactions*

Object

transaction object similar to example provided above

customer_type*

String

1 for individual and 2 for business

webhook_url

String

loan_requested

int

currency

String

{
  "affordability": {
    "score": "700",
    "monthly": "16000",
    "currency": "ZAR"
  },
  "liquidity": [
    {
      "percentage": "60%",
      "monthly": "8000",
      "currency": "ZAR",
      "days": 0
    }
  ],
  "financial_forecast": [
    {
      "account": {
        "name": "Nedbank",
        "is_active": false,
        "currency": "ZAR",
        "type": "Individual",
        "number": "123-123-1234",
        "balance": {
          "actual": [
                {
                  "amount": "1222.35",
                  "date": "13040621"
                }
              ],
              "forecast": [
                {
                  "amount": "20422.35",
                  "date": "13040621"
                }
              ]
            }
        }
    }
  ]
}}
{
    // Response
}
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Last updated 1 year ago

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