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Person Analysis

The finoOS API's Person Analysis provides comprehensive account data analysis to evaluate a person's financial situation. The system consists of five main components: Income, Spending, Risk, Household-Budget, Adult-Check, and Living-Situation.

The unique feature of Person Analysis is its flexible architecture: The first three components (Income, Spending, Risk) have a module-based structure where multiple modules can be booked individually but are accessed through a single endpoint. The Household-Budget and Adult-Check components are standalone analyses without modular subdivisions.

Income​

Income Analysis identifies and categorizes various types of income based on transaction data. The system analyzes transfer data to detect regular and irregular income sources.

API Endpoint: Person-Income API

For detailed information about individual modules, see Income modules.

Spending​

Spending Analysis identifies and categorizes various spending categories to understand spending patterns and financial obligations.

API Endpoint: Person-Spending API

For detailed information about individual modules, see Spending modules.

Risk​

Risk Analysis identifies risk indicators based on problematic transaction patterns that may indicate financial difficulties.

API Endpoint: Person-Risk API

For detailed information about individual modules, see Risk module.

Household-Budget​

Household-Budget provides a comprehensive analysis of monthly income and spending patterns to calculate the household's financial balance and overall budget situation.

API Endpoint: Person-Household-Budget API

Adult-Check​

Adult-Check verifies the age status of account holders to determine if they meet legal age requirements for financial services.

API Endpoint: Person-Adult-Check API

Living-Situation​

Living-Situation analyzes transaction patterns to determine information about the account holder's living circumstances, including family situation, mobility, property ownership, and rental arrangements.

API Endpoint: Person-Living-Situation

For detailed information about all components, see Living Situation.

Modular Booking Concept​

The first three main components (Income, Spending, Risk) can be flexibly configured:

  • Individual modules can be licensed separately
  • Combinations of modules within a component are possible
  • One endpoint per component delivers all booked modules
  • Scopes define which modules are available

The Household-Budget, Adult-Check, and Living-Situation components are standalone analyses that can be booked as complete units without modular subdivisions.

This enables customers to implement tailored solutions that contain only the needed analysis functions, while keeping API integration simple and unified.