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List of Attributes Packages

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Flinks offers the following Attributes packages.

PackageDescriptionEndpoint
IncomeChoose this package if you want to receive a high-level overview if your customer's income sources.

This package returns the following insights:

Employer Income
- Employer name
- Average monthly employer income
- Employer income trend
- Sum per calendar month
- Count per calendar month

Non-Employer Income
- Average monthly non-employer income

Government Income
- Average monthly government income
- Sum of government income per calendar month
- Count of government income per calendar month
- Sum of employment insurance income (last 90 days)
- Sum of social assistance income (last 90 days)
- Sum of WSIB income (last 90 days)
- Sum of pension income (last 90 days)
- Sum of child support income (last 90 days)
- Sum of other government income (last 90 days)

Other
- Sum of total income per calendar month
- Sum of total credits per calendar month
- Account age in days
- Average monthly free cash flow		/GetIncomeAttributes
Credit RiskChoose this package if you want a high-level overview of your customer's basic income sources and credit risk measures.

This package returns the following insights:

Account Overview
- Minimum balance deleted (last 90 days)
- Days with a negative balance
- Average monthly free cash flow
- Balance trend

Employer Income Overview
- Employer name
- Average monthly complex
- Employer income trend
- Sum of employer income (per month, last 12 months - 13 Attributes)
- Count of employer income, last 12 month - 13 Attributes)

Non-Employer Income Overview
- Average monthly non-employer income
- Average monthly government income
- Total deposits trend

Loan Payments Breakdown
- Average monthly auto-loan payments
- Average monthly mortgage payments
- Average monthly micro-loan payments
- Average monthly student loan payments
- Average monthly other loan payments

Committed Bill Payments Breakdown
- Average monthly utility payments
- Average monthly telecom payments

Additional Risk Analysis
- Count of NSF fees (last 90 days)
- Count of stop-payment fees (last 90 days)
- Average monthly micro-loan payments
- Micro-lender name
- Average monthly expenditure
- Account age in days		/GetCreditRiskAttributes
User AnalysisChoose this package if you want a deeper, more combined view of your customer's income sources, credit risk measures, and potential fraudulent flags.

This package returns the following insights:

Employer Income Overview
- Employer name
- Average monthly employer income
- Employer income trend
- Sum of employer income (per month, last 12 months - 13 Attributes)
- Count of employer income, last 12 month - 13 Attributes)

Non-Employer Income
- Average monthly non-employer income

Government Income
- Average monthly government income
- Sum of government income per calendar month
- Count of government income per calendar month
- Sum of employment insurance income (last 90 days)
- Sum of social assistance income (last 90 days)
- Sum of WSIB income (last 90 days)
- Sum of pension income (last 90 days)
- Sum of child support income (last 90 days)
- Sum of other government income (last 90 days)

Other Income Attributes
- Sum of total income (per month, last 12 months - 13 Attributes)
- Sum of total credits (per month, last 12 months - 13 Attributes)

Account Risk Overview
- Minimum balance detected (last 90 days)
- Days with a negative balance
- Average monthly free cash flow
- Balance trend

Loan Payments Breakdown
- Average monthly auto-loan payments
- Average monthly mortgage payments
- Average monthly micro-loan payments
- Average monthly student loan payments
- Average monthly other loan payments

Committed Bill Payments Breakdown
- Average monthly utility payments
- Average monthly telecom payments

Fraud Detection Attributes
- Account age in days
- Active days in the account (last 90 days)
- Balance trend
- Overall activity trend
- Debit activity trend
- Credit activity trend
- Is employer income detected?
- Average monthly recurring payments		/GetUserAnalysisAttributes
LendingChoose this package if you want lower-level information about a customer's income sources.

This package returns the following insights:

INCOME ANALYSIS
Total Income
- Average monthly income
- Total detected income
- Sum per calendar month
- Count per calendar month

Employer Income (Overall)
- Employer name
- Average monthly employer income
- Average amount
- Estimated annual net
- Frequency
- Trend
- Sum per calendar month
Count per calendar month

Employer Income (Primary)
- Employer name
- Average monthly employer income
- Average amount
- Estimated annual net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Employer Income (Secondary)
- Employer name
- Average monthly employer income
- Average amount
- Estimated annual net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Employer Income (Other)
- Employer name
- Average monthly employer income
- Average amount
- Estimated annual net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Non-Employer Income
- Average monthly income
- Total detected
- Sum per calendar month
- Count per calendar month

Government Income
- Average monthly government income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Employment Insurance Income
- Average monthly employment insurance income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Workplace Safety Income
- Average monthly workplace safety income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Disability Income
- Average monthly disability income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Social Assistance Income
- Average monthly social assistance income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Child Support Income
- Average monthly child support income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Pension Income
- Average monthly pension income
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month

Insurance Income
- Average monthly insurance income
- Total detected
- Sum per calendar month
- Count per calendar month

Recurring Deposits
- Average monthly recurring deposits
- Sum per calendar month

OVERALL RISK ANALYSIS
Account Analysis
- Purchasing trend
- Deposit trend
- Overall activity trend
- Count of active days
- Active days trend
- Average monthly free cash flow
- Account age in days
- Average monthly recurring payments
- Average monthly recurring deposits

Overall Balance Analysis
- Balance trend
- Maximum balance
- Minimum balance
- Current balance
- Balance as of 90 days ago
- Count of days with a negative balance (last 90 days)

Specific Balance Analysis
- Average closing balance day of any income
- Average closing balance day after any income
- Average closing balance day of employer income
- Average closing balance day after employer income
- Average closing balance day of government income
- Average closing balance day after government income

SPECIFIC RISK ANALYSIS
NSF Fees
- Average monthly count
- Count of total detected
- Count (last 30 days)
- Count (last 60 days)
- Count (last 90 days)
- Count (last 6 months)
- Count on the day of employer income
- Count of the day after employer income
- Count of the day of government income
- Count on the day after government income

Stop Payment Fees and Reversals
- Count of fees (last 30 days)
- Count of fees (last 60 days)
- Count of fees (last 90 days)
- Count of reversals (last 30 days)
- Count of reversals (last 60 days)
- Count of reversals (last 90 days)

Detection Attributes
- Has employment income in last 7 days
- Has employment income in last 14 days
- Has employment income in last 30 days
- Has government income in last 7 days
- Has government income in last 14 days
- Has government income in last 30 days
- Is employment loss detected?
- Has overdraft?

Committed Transfers
- Average monthly recurring transfers out (complex)
- Average monthly recurring transfers in (complex)

Loan Deposits
- Average monthly loan deposit
- Total detected
- Sum (last 30 days)
- Sum (last 60 days)
- Sum (last 90 days)

LIABILITY ANALYSIS
Overall Loan Payments
- Average monthly loan payments
- Total detected
- Sum per calendar month
- Count per calendar month

Micro-Loan Payments
- Micro-lender name
- Average monthly micro-loan
- Average amount
- Frequency
- Count of distinct micro-lenders detected
- Sum per calendar month
- Count per calendar month

Auto Loan Payments
- Average monthly auto loan
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month

Student Loan Payments
- Average monthly student loan
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month

Other Loan Payments
- Average monthly other loan
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month

Telecom Payments
- Average monthly telecom payments
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month

Utility Payments
- Average monthly utility payments
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month		/GetLendingAttributes
Business AnalysisThis package is only available to full-production use cases in the Canadian market. For more information, contact your Flinks Representative.

Choose this package if you want advanced business insights, typically for underwriting or analyzing business-specific accounts. It enables your team to quickly break out all important aspects of a user's account, including the insights listed below.

This package returns the following insights:

INCOME ANALYSIS
Overall Operating Income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Merchant Service Provider Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Transfer Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Branch Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Vendor Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Payroll Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Credit Card Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Operating Income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Overall Government Income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Tax Rebates and Refunds
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Government Income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Types of income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Insurance Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Rent Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

All Other Income
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

LOAN DEPOSIT ANALYSIS
Overall Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Business Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Mortgage Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Micro-Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Auto-Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Loan Deposits
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

OPERATING EXPENSE ANALYSIS
Overall Operating Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Vendor Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Cash Withdrawals
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Payroll Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Credit Card Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Operating Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

LIABILITIES ANALYSIS
Overall Liabilities
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Insurance Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Rent Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Telecom payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Utility Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Overall Loan Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

LOAN PAYMENTS BREAKDOWN
Business Loan Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Micro-Loan Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Auto Loan Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Other Loan Payments
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

FEES BREAKDOWN
Overall Fees
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

Bank Fees
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

NSF Fees
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month

OTHER (NON-OPERATING) EXPENSES
Other Expenses
- Average monthly complex
- Average deposit
- Trend
- Frequency
- Last two deposit dates
- Total detected
- Sum per calendar month
- Count per calendar month		/GetBusinessAnalysisAttributes
ConsumerThis package is only available to clients who are subscribed to the appropriate tier. For more information, speak with your Flinks Representative.

Choose this package if you want access to all consumer-related attributes. This includes approximately 2,500 individual attributes across 39 categories.

To receive a full list of available attributes, contact your Flinks Representative.		/GetAllAttributes
BusinessThis package is only available to full-production use cases in the Canadian market who are subscribed to the appropriate tier. For more information or to use these attributes in the US market, contact your Flinks Representative.

Choose this package if you want access to all business-related attributes. This includes approximately 1,800 individual attributes across 9 primary and 38 sub-categories.

To receive a full list of available attributes, contact your Flinks Representative.		/GetAllBusinessAttributes

Updated 5 months ago