API Endpoints

The below provides developers with essential information on how to integrate and interact with the API, covering key methods, data formats, request/response structures, and error handling protocols.

Send CDR banking data for insights analysis

post

This endpoint is provided to allow CDR participants to send MogoPlus banking data in a single payload. It combines the following endpoints from the CDR OpenAPI document: * /banking/accounts/{accountId} (see notes below on implementation) * /banking/accounts/balances * /banking/accounts/direct-debits * /banking/accounts/{accountId}/transactions (see notes below on implementation) * /banking/accounts/payments/scheduled If a given dataset is not required for insights analysis - for example, balances is not required - the data can simply be omitted. The minimum requirements will, however is account and transaction data, which must be supplied for meaningful analysis to take place. API consumers can submit data from multiple customers or across multiple accounts in a single request.

Authorizations

bearerAuth

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Body

application/json

Banking data supplied by CDR participant

Responses

201

Data received successfully and accepted for processing The insightsId value is provided for tracking the insights request and retrieving the request from /banking-data-insights.

application/json

400

Invalid input or arguments

application/json

401

Invalid credentials

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

406

Requested content type is not supported by this API

422

Request cannot be processed by the API as the content contains errors

application/json

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

post

/cdr-data/v2/banking-data-insights

HTTPcURLJavaScriptPython

POST /cdr-data/v2/cdr-data/v2/banking-data-insights HTTP/1.1
Host: apigateway.auuat.mogoplus.com
Authorization: Bearer YOUR_SECRET_TOKEN
Content-Type: application/json
Accept: */*
Content-Length: 4706

{
  "meta": {
    "orderIds": [
      "9e58813c-7c2a-11ee-b962-0242ac120002"
    ],
    "clientId": "9e58f48813c-6c4a-11ee-b962-0242ac120002",
    "reference": "text",
    "applicationType": "PERSONAL_LOAN"
  },
  "applicantsData": [
    {
      "applicant": {
        "crn": "text",
        "firstName": "text",
        "lastName": "text",
        "emailAddress": "text",
        "employerNames": [
          "text"
        ],
        "declaredIncome": {
          "amount": 1,
          "currency": "text"
        },
        "declaredExpenses": {
          "amount": 1,
          "currency": "text"
        }
      },
      "bankingTransactionData": [
        {
          "consentProperty": {
            "institutionName": "text",
            "consent": {
              "arrangementId": "0a29c52b-df25-4bfd-83e1-c0ba53fc218e",
              "scopes": [
                "bank:accounts.basic:read"
              ],
              "sharingStartDateTime": "2026-05-11T23:06:01.153Z",
              "sharingDuration": 86400
            }
          },
          "accountProperty": {
            "accounts": [
              {
                "accountId": "text",
                "creationDate": "text",
                "displayName": "text",
                "nickname": "text",
                "openStatus": "OPEN",
                "isOwned": true,
                "accountOwnership": "ONE_PARTY",
                "maskedNumber": "text",
                "productCategory": "BUSINESS_LOANS",
                "productName": "text",
                "balance": {
                  "accountId": "accountId",
                  "purses": [
                    {
                      "amount": "amount",
                      "currency": "currency"
                    },
                    {
                      "amount": "amount",
                      "currency": "currency"
                    }
                  ],
                  "amortisedLimit": "amortisedLimit",
                  "currentBalance": "currentBalance",
                  "creditLimit": "creditLimit",
                  "currency": "currency",
                  "availableBalance": "availableBalance"
                },
                "transactions": [
                  {
                    "accountId": "d6fe752c-219b-4453-adbf-6d258538b7fb",
                    "transactionId": "219b-4453-adbf-6d258538b7fb-d6fe752c",
                    "isDetailAvailable": false,
                    "type": "PAYMENT",
                    "status": "POSTED",
                    "description": "eCommerce transaction",
                    "amount": "58.67",
                    "reference": "Menulog Order Reference #23347506",
                    "valueDateTime": "2022-10-12T17:56:51.6Z"
                  },
                  {
                    "accountId": "d6fe752c-219b-4453-adbf-6d258538b7fb",
                    "transactionId": "219b-4453-adbf-6d258538b7fb-d6fe752c",
                    "isDetailAvailable": false,
                    "type": "TRANSFER_INCOMING",
                    "status": "PENDING",
                    "description": "Inter-account transfer",
                    "amount": "100.00",
                    "reference": "Birthday money from Mum",
                    "valueDateTime": "2022-11-12T17:56:51.6Z"
                  }
                ],
                "directDebitAuthorisations": [
                  {
                    "lastDebitAmount": "lastDebitAmount",
                    "accountId": "accountId",
                    "lastDebitDateTime": "lastDebitDateTime",
                    "authorisedEntity": {
                      "arbn": "arbn",
                      "description": "description",
                      "financialInstitution": "financialInstitution",
                      "abn": "abn",
                      "acn": "acn"
                    }
                  }
                ],
                "scheduledPayments": [
                  {
                    "recurrence": {
                      "nextPaymentDate": "nextPaymentDate",
                      "eventBased": {
                        "description": "description"
                      },
                      "onceOff": {
                        "paymentDate": "paymentDate"
                      },
                      "recurrenceUType": "eventBased",
                      "intervalSchedule": {
                        "intervals": [
                          {
                            "interval": "interval",
                            "dayInInterval": "dayInInterval"
                          },
                          {
                            "interval": "interval",
                            "dayInInterval": "dayInInterval"
                          }
                        ],
                        "paymentsRemaining": 1,
                        "finalPaymentDate": "finalPaymentDate",
                        "nonBusinessDayTreatment": "ON"
                      },
                      "lastWeekDay": {
                        "paymentsRemaining": 1,
                        "interval": "interval",
                        "finalPaymentDate": "finalPaymentDate",
                        "lastWeekDay": "FRI",
                        "nonBusinessDayTreatment": "ON"
                      }
                    },
                    "scheduledPaymentId": "scheduledPaymentId",
                    "payeeReference": "payeeReference",
                    "payerReference": "payerReference",
                    "nickname": "nickname",
                    "from": {
                      "accountId": "accountId"
                    },
                    "paymentSet": [
                      {
                        "isAmountCalculated": true,
                        "amount": "amount",
                        "currency": "currency",
                        "to": {
                          "domestic": {
                            "payeeAccountUType": "account",
                            "payId": {
                              "identifier": "identifier",
                              "name": "name",
                              "type": "ABN"
                            },
                            "account": {
                              "bsb": "bsb",
                              "accountName": "accountName",
                              "accountNumber": "accountNumber"
                            },
                            "card": {
                              "cardNumber": "cardNumber"
                            }
                          },
                          "accountId": "accountId",
                          "biller": {
                            "billerName": "billerName",
                            "crn": "crn",
                            "billerCode": "billerCode"
                          },
                          "payeeReference": "payeeReference",
                          "toUType": "accountId",
                          "nickname": "nickname",
                          "payeeId": "payeeId",
                          "international": {
                            "bankDetails": {
                              "country": "country",
                              "routingNumber": "routingNumber",
                              "fedWireNumber": "fedWireNumber",
                              "chipNumber": "chipNumber",
                              "legalEntityIdentifier": "legalEntityIdentifier",
                              "accountNumber": "accountNumber",
                              "bankAddress": {
                                "address": "address",
                                "name": "name"
                              },
                              "sortCode": "sortCode",
                              "beneficiaryBankBIC": "beneficiaryBankBIC"
                            },
                            "beneficiaryDetails": {
                              "country": "country",
                              "name": "name",
                              "message": "message"
                            }
                          }
                        }
                      },
                      {
                        "isAmountCalculated": true,
                        "amount": "amount",
                        "currency": "currency",
                        "to": {
                          "domestic": {
                            "payeeAccountUType": "account",
                            "payId": {
                              "identifier": "identifier",
                              "name": "name",
                              "type": "ABN"
                            },
                            "account": {
                              "bsb": "bsb",
                              "accountName": "accountName",
                              "accountNumber": "accountNumber"
                            },
                            "card": {
                              "cardNumber": "cardNumber"
                            }
                          },
                          "accountId": "accountId",
                          "biller": {
                            "billerName": "billerName",
                            "crn": "crn",
                            "billerCode": "billerCode"
                          },
                          "payeeReference": "payeeReference",
                          "toUType": "accountId",
                          "nickname": "nickname",
                          "payeeId": "payeeId",
                          "international": {
                            "bankDetails": {
                              "country": "country",
                              "routingNumber": "routingNumber",
                              "fedWireNumber": "fedWireNumber",
                              "chipNumber": "chipNumber",
                              "legalEntityIdentifier": "legalEntityIdentifier",
                              "accountNumber": "accountNumber",
                              "bankAddress": {
                                "address": "address",
                                "name": "name"
                              },
                              "sortCode": "sortCode",
                              "beneficiaryBankBIC": "beneficiaryBankBIC"
                            },
                            "beneficiaryDetails": {
                              "country": "country",
                              "name": "name",
                              "message": "message"
                            }
                          }
                        }
                      }
                    ],
                    "status": "ACTIVE"
                  }
                ]
              }
            ]
          }
        }
      ]
    }
  ]
}

{
  "data": {
    "insightsId": {
      "insightsId": "text"
    },
    "orderReports": [
      {
        "orderId": "9e58813c-7c2a-11ee-b962-0242ac120002",
        "report": "https://apigateway.auuat.mogoplus.com/cdr-data/v2/banking-data-insights/c8c7d799-fe50-43bb-8e61-f08cd8a9434/orders/31456b3a-7cf4-11ee-b962-0242ac120002"
      }
    ]
  },
  "links": {
    "self": "https://apigateway.auuat.mogoplus.com/cdr-data/v2/banking-data-insights/c8c7d799-fe50-43bb-8e61-f08cd8a9434f"
  }
}

Retrieve the banking data insights report

get

This endpoint provides the insights report. If processing is ongoing the endpoint will return a 204 to indicate no data is available.

Authorizations

bearerAuth

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Path parameters

insightsIdstringRequired

A valid V4 UUID

Pattern: ^[0-9a-f]{8}-[0-9a-f]{4}-[0-5][0-9a-f]{3}-[089ab][0-9a-f]{3}-[0-9a-f]{12}$

Responses

200

The banking data insights report

application/json

Provides both the state of processing and the response data. Whilst processing is ongoing the data object will be omitted.

reportStringstringOptional

400

Invalid input or arguments

application/json

401

Invalid credentials

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

406

Requested content type is not supported by this API

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

get

/cdr-data/v2/banking-data-insights/{insightsId}

HTTPcURLJavaScriptPython

GET /cdr-data/v2/cdr-data/v2/banking-data-insights/{insightsId} HTTP/1.1
Host: apigateway.auuat.mogoplus.com
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*

{
  "meta": {
    "status": "ACCEPTED"
  },
  "insightsHeader": {
    "insightsId": "text",
    "insightsPublishDate": "text",
    "clientId": "text",
    "clientName": "text",
    "reports": [
      {
        "reportHeader": {
          "reportId": "text",
          "reportPublishDate": "text",
          "reportingPeriodStartDate": "text",
          "reportingPeriodEndDate": "text",
          "applicationType": "text",
          "numberOfApplicants": 1,
          "numberOfDaysInReportingPeriod": 1,
          "applicants": [
            {
              "applicantId": "text",
              "applicantName": "text"
            }
          ]
        },
        "combinedSummary": {
          "combinedNumberOfInstitutions": 1,
          "combinedNumberOfAccounts": 1,
          "combinedNumberOfTransactions": 1,
          "currency": "text",
          "combinedTotalSummary": {
            "credit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "monthlyAverage": 1
            },
            "debit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "monthlyAverage": 1
            }
          },
          "combinedCategoryGroupSummary": {
            "combinedCategoryGroups": [
              {
                "categoryGroup": "text",
                "categoryGroupDescription": "text",
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              }
            ]
          },
          "combinedCategorySummary": {
            "combined": [
              {
                "categoryCode": "text",
                "categoryCodeDescription": "text",
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              }
            ]
          },
          "netMonthlyPosition": {
            "ANY_ADDITIONAL_PROPERTY": "text"
          },
          "combinedIncomeInsights": {
            "basicIncomeInsights": {
              "currency": "text",
              "income": {
                "sumAmount": 1,
                "numberOfTransactions": 1,
                "averageMonthly": 1
              },
              "incomeBuckets": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              }
            }
          }
        },
        "applicantSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "numberOfInstitutions": 1,
              "numberOfAccounts": 1,
              "numberOfTransactions": 1,
              "currency": "text",
              "applicantTotalSummary": {
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              },
              "applicantCategoryGroupSummary": {
                "applicantCategoryGroups": [
                  {
                    "categoryGroup": "text",
                    "categoryGroupDescription": "text",
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    },
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    }
                  }
                ]
              },
              "applicantCategorySummary": {
                "categories": [
                  {
                    "categoryCode": "text",
                    "categoryCodeDescription": "text",
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    },
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    }
                  }
                ]
              },
              "applicantDetailedTransaction": {
                "institutions": [
                  {
                    "institutionId": "text",
                    "institutionName": "text",
                    "accounts": [
                      {
                        "accountNumber": "text",
                        "accountName": "text",
                        "currentBalance": 1,
                        "availableBalance": 1,
                        "creditLimit": 1,
                        "numberOfTransactionsInTotal": 1,
                        "numberOfTransactionsCategorised": 1,
                        "transactions": [
                          {
                            "transactionId": "text",
                            "transactionDate": "text",
                            "transactionCategoryGroup": "text",
                            "transactionCategoryCode": "text",
                            "transactionDescription": "text",
                            "transactionAmount": 1,
                            "transactionCurrency": "text"
                          }
                        ]
                      }
                    ]
                  }
                ]
              },
              "netMonthlyPosition": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              },
              "alerts": [
                {
                  "categoryCode": "text",
                  "categoryCodeDescription": "text",
                  "credit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "monthlyAverage": 1
                  },
                  "debit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "monthlyAverage": 1
                  },
                  "transactions": [
                    {
                      "transactionId": "text",
                      "transactionDate": "text",
                      "transactionCategoryGroup": "text",
                      "transactionCategoryCode": "text",
                      "transactionDescription": "text",
                      "transactionAmount": 1,
                      "transactionCurrency": "text"
                    }
                  ]
                }
              ]
            }
          ]
        },
        "incomeSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "employmentInsights": [
                {
                  "declaredEmployerName": "text",
                  "employerNameVerified": true,
                  "latestEmployerVerifiedSalaryDate": "text",
                  "latestEmployerVerifiedSalaryAmount": 1
                }
              ],
              "IncomeInsights": {
                "basicIncomeInsights": {
                  "currency": "text",
                  "income": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "averageMonthly": 1
                  },
                  "incomeBuckets": {
                    "ANY_ADDITIONAL_PROPERTY": "text"
                  }
                },
                "inferentialIncomeInsights": [
                  {
                    "type": "text",
                    "employer": "text",
                    "recency": {
                      "daysInLastPeriod": 1,
                      "numberOfTransactionsInLastPeriod": 1
                    },
                    "regularity": {
                      "numberOfTransactions": 1,
                      "incomeDates": [
                        "text"
                      ],
                      "statisticsOfDayIntervals": {
                        "max": 1,
                        "min": 1,
                        "mean": 1,
                        "median": 1,
                        "mode": 1,
                        "standardDeviation": 1
                      }
                    },
                    "reliability": {
                      "numberOfTransactions": 1,
                      "incomeAmounts": [
                        {
                          "date": "text",
                          "amount": 1
                        }
                      ],
                      "statisticsOfSalaryAmount": {
                        "average": 1,
                        "median": 1,
                        "mode": 1,
                        "range": 1,
                        "standardDeviation": 1
                      }
                    }
                  }
                ]
              }
            }
          ]
        }
      }
    ]
  },
  "reportString": "text"
}

Delete the analysis, purge the result set

delete

Allows an API consumer to purge the result set for a given insights Id

Authorizations

bearerAuth

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Path parameters

insightsIdstringRequired

A valid V4 UUID

Pattern: ^[0-9a-f]{8}-[0-9a-f]{4}-[0-5][0-9a-f]{3}-[089ab][0-9a-f]{3}-[0-9a-f]{12}$

Responses

204

Purge completed successfully. All insights data has been removed

401

Invalid credentials

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

406

Requested content type is not supported by this API

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

delete

/cdr-data/v2/banking-data-insights/{insightsId}

HTTPcURLJavaScriptPython

DELETE /cdr-data/v2/cdr-data/v2/banking-data-insights/{insightsId} HTTP/1.1
Host: apigateway.auuat.mogoplus.com
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*

No content

Retrieve the banking data insights report

get

This endpoint provides the insights report. If processing is ongoing the endpoint will return a 204 to indicate no data is available.

Authorizations

bearerAuth

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Path parameters

insightsIdstringRequired

A valid V4 UUID

Pattern: ^[0-9a-f]{8}-[0-9a-f]{4}-[0-5][0-9a-f]{3}-[089ab][0-9a-f]{3}-[0-9a-f]{12}$

orderIdstringRequired

A valid V4 UUID

Pattern: ^[0-9a-f]{8}-[0-9a-f]{4}-[0-5][0-9a-f]{3}-[089ab][0-9a-f]{3}-[0-9a-f]{12}$

Responses

200

The banking data insights report

application/json

Provides both the state of processing and the response data. Whilst processing is ongoing the data object will be omitted.

reportStringstringOptional

400

Invalid input or arguments

application/json

401

Invalid credentials

403

Credentials are valid but access to the resource is forbidden due to access controls. Access must be granted for this request to succeed

application/json

405

Unsupported HTTP method sent

406

Requested content type is not supported by this API

429

The API has receive too many requests from the client and is rate-limiting further requests based on published limits

500

API encountered an error processing the request

application/json

503

The API is not currently available due a transient network error, internal service error or planned outage

application/json

get

/cdr-data/v2/banking-data-insights/{insightsId}/orders/{orderId}

HTTPcURLJavaScriptPython

GET /cdr-data/v2/cdr-data/v2/banking-data-insights/{insightsId}/orders/{orderId} HTTP/1.1
Host: apigateway.auuat.mogoplus.com
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*

{
  "meta": {
    "status": "ACCEPTED"
  },
  "insightsHeader": {
    "insightsId": "text",
    "insightsPublishDate": "text",
    "clientId": "text",
    "clientName": "text",
    "reports": [
      {
        "reportHeader": {
          "reportId": "text",
          "reportPublishDate": "text",
          "reportingPeriodStartDate": "text",
          "reportingPeriodEndDate": "text",
          "applicationType": "text",
          "numberOfApplicants": 1,
          "numberOfDaysInReportingPeriod": 1,
          "applicants": [
            {
              "applicantId": "text",
              "applicantName": "text"
            }
          ]
        },
        "combinedSummary": {
          "combinedNumberOfInstitutions": 1,
          "combinedNumberOfAccounts": 1,
          "combinedNumberOfTransactions": 1,
          "currency": "text",
          "combinedTotalSummary": {
            "credit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "monthlyAverage": 1
            },
            "debit": {
              "sumAmount": 1,
              "numberOfTransactions": 1,
              "monthlyAverage": 1
            }
          },
          "combinedCategoryGroupSummary": {
            "combinedCategoryGroups": [
              {
                "categoryGroup": "text",
                "categoryGroupDescription": "text",
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              }
            ]
          },
          "combinedCategorySummary": {
            "combined": [
              {
                "categoryCode": "text",
                "categoryCodeDescription": "text",
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              }
            ]
          },
          "netMonthlyPosition": {
            "ANY_ADDITIONAL_PROPERTY": "text"
          },
          "combinedIncomeInsights": {
            "basicIncomeInsights": {
              "currency": "text",
              "income": {
                "sumAmount": 1,
                "numberOfTransactions": 1,
                "averageMonthly": 1
              },
              "incomeBuckets": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              }
            }
          }
        },
        "applicantSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "numberOfInstitutions": 1,
              "numberOfAccounts": 1,
              "numberOfTransactions": 1,
              "currency": "text",
              "applicantTotalSummary": {
                "credit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                },
                "debit": {
                  "sumAmount": 1,
                  "numberOfTransactions": 1,
                  "monthlyAverage": 1
                }
              },
              "applicantCategoryGroupSummary": {
                "applicantCategoryGroups": [
                  {
                    "categoryGroup": "text",
                    "categoryGroupDescription": "text",
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    },
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    }
                  }
                ]
              },
              "applicantCategorySummary": {
                "categories": [
                  {
                    "categoryCode": "text",
                    "categoryCodeDescription": "text",
                    "credit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    },
                    "debit": {
                      "sumAmount": 1,
                      "numberOfTransactions": 1,
                      "monthlyAverage": 1
                    }
                  }
                ]
              },
              "applicantDetailedTransaction": {
                "institutions": [
                  {
                    "institutionId": "text",
                    "institutionName": "text",
                    "accounts": [
                      {
                        "accountNumber": "text",
                        "accountName": "text",
                        "currentBalance": 1,
                        "availableBalance": 1,
                        "creditLimit": 1,
                        "numberOfTransactionsInTotal": 1,
                        "numberOfTransactionsCategorised": 1,
                        "transactions": [
                          {
                            "transactionId": "text",
                            "transactionDate": "text",
                            "transactionCategoryGroup": "text",
                            "transactionCategoryCode": "text",
                            "transactionDescription": "text",
                            "transactionAmount": 1,
                            "transactionCurrency": "text"
                          }
                        ]
                      }
                    ]
                  }
                ]
              },
              "netMonthlyPosition": {
                "ANY_ADDITIONAL_PROPERTY": "text"
              },
              "alerts": [
                {
                  "categoryCode": "text",
                  "categoryCodeDescription": "text",
                  "credit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "monthlyAverage": 1
                  },
                  "debit": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "monthlyAverage": 1
                  },
                  "transactions": [
                    {
                      "transactionId": "text",
                      "transactionDate": "text",
                      "transactionCategoryGroup": "text",
                      "transactionCategoryCode": "text",
                      "transactionDescription": "text",
                      "transactionAmount": 1,
                      "transactionCurrency": "text"
                    }
                  ]
                }
              ]
            }
          ]
        },
        "incomeSummary": {
          "applicants": [
            {
              "applicantName": "text",
              "employmentInsights": [
                {
                  "declaredEmployerName": "text",
                  "employerNameVerified": true,
                  "latestEmployerVerifiedSalaryDate": "text",
                  "latestEmployerVerifiedSalaryAmount": 1
                }
              ],
              "IncomeInsights": {
                "basicIncomeInsights": {
                  "currency": "text",
                  "income": {
                    "sumAmount": 1,
                    "numberOfTransactions": 1,
                    "averageMonthly": 1
                  },
                  "incomeBuckets": {
                    "ANY_ADDITIONAL_PROPERTY": "text"
                  }
                },
                "inferentialIncomeInsights": [
                  {
                    "type": "text",
                    "employer": "text",
                    "recency": {
                      "daysInLastPeriod": 1,
                      "numberOfTransactionsInLastPeriod": 1
                    },
                    "regularity": {
                      "numberOfTransactions": 1,
                      "incomeDates": [
                        "text"
                      ],
                      "statisticsOfDayIntervals": {
                        "max": 1,
                        "min": 1,
                        "mean": 1,
                        "median": 1,
                        "mode": 1,
                        "standardDeviation": 1
                      }
                    },
                    "reliability": {
                      "numberOfTransactions": 1,
                      "incomeAmounts": [
                        {
                          "date": "text",
                          "amount": 1
                        }
                      ],
                      "statisticsOfSalaryAmount": {
                        "average": 1,
                        "median": 1,
                        "mode": 1,
                        "range": 1,
                        "standardDeviation": 1
                      }
                    }
                  }
                ]
              }
            }
          ]
        }
      }
    ]
  },
  "reportString": "text"
}