Here is a simplified view of the BanksUser's relation model:
A BanksUser contains all the information related to the end-user banks' profile.
An Analysis is a set of indicators representing the state of user banking and financial information. These values are calculated from its declarative values (obtained during the Conversation) and the banking data (obtained during the Aggregation).
Today, it is composed of two indicators:
- the list of regular cash flows (
regularCashFlows) which represents the user regular incomes and expenses (e.g. its salary and allowance).
- the list of alerts (
alerts) which is either a business rule not met or an inconsistency between the user input and its banking information.
Examples of alerts:
- A business rule defines that the user should not have any unusual expense (not in the regular cash flows) higher than 30% of its average monthly income. If the user has bought a brand new TV, it will appear in its bank transaction as an unusual expense and an alert will be added.
- If the analysis finds an average income substantially different from the value declared by the user during the Conversation, an alert will be added.
A Score is a probability (between 0 and 1) of the end-user to make a specific action.
There are currently two types of Score:
- Appetency, which show the will of the end-user to take a loan;
- Credit, which show the probability of default. For instance, if the end-user has not the capacity to repay the loan, the default probability will be at 1.
An Account represents an end-user bank account. It contains information about its balance, type, currency and usage.
A Transaction is a simple bank operation. It is related to an Account.