Bank Statement AA Verification
The Bank Statement Account Aggregator journey allows businesses to verify user bank statements using a mobile number and OTP for authentication. The process involves users providing consent via their mobile number, receiving an OTP, and authorizing the account aggregator to access their bank data. The aggregator then retrieves and aggregates the financial data from various banks, which is verified and integrated into the business's systems for further use.
Journey ID will be shared as part of Onboarding
Journey Output Data
{
"key_name": "BANK_STATEMENT",
"key_status": "CHECKED",
"key_data": [
{
"account_number": "916010039746583",
"account_type": "",
"key_report": "<S3 Signed URL of user uploaded statement. Link valid for 60 mins>",
"month_wise_salaries": "<S3 Signed URL of the month wise salaries. Link valid for 60 mins>",
"transaction_list": "<S3 Signed URL of Row Level Transactions. Link valid for 60 mins>",
"bank_statement_end_date": "31-03-2022",
"bank_statement_start_date": "01-04-2021",
"closing_balance": 425932.13,
"bank_name": "bank of india",
"name": "SWAPNIL PAKHARE",
"is_tampered": true/false/null
"opening_balance": 421716.35,
"month_wise_analysis": [
{
"month_name": "APR",
"no_of_debit_transactions": 15,
"no_of_credit_transactions": 1,
"total_credit_amount": 116466,
"year": null,
"total_debit_amount": 25354.82,
"average_eod_balance": 8863.8
},
{
"month_name": "MAY",
"no_of_debit_transactions": 13,
"no_of_credit_transactions": 6,
"total_credit_amount": 442577.31,
"year": null,
"total_debit_amount": 12666.130000000001,
"average_eod_balance": 23960.18
},
{
"month_name": "JUN",
"no_of_debit_transactions": 15,
"no_of_credit_transactions": 7,
"total_credit_amount": 83299.17,
"year": null,
"total_debit_amount": 1772904.66,
"average_eod_balance": 84372.9
},
{
"month_name": "JUL",
"no_of_debit_transactions": 27,
"no_of_credit_transactions": 3,
"total_credit_amount": 108100,
"year": null,
"total_debit_amount": 18423.7,
"average_eod_balance": 4217.46
},
{
"month_name": "AUG",
"no_of_debit_transactions": 19,
"no_of_credit_transactions": 7,
"total_credit_amount": 68359,
"year": null,
"total_debit_amount": 17368.53,
"average_eod_balance": 3297.21
},
{
"month_name": "SEP",
"no_of_debit_transactions": 24,
"no_of_credit_transactions": 5,
"total_credit_amount": 111607,
"year": null,
"total_debit_amount": 26544.7,
"average_eod_balance": 4763.85
},
{
"month_name": "OCT",
"no_of_debit_transactions": 23,
"no_of_credit_transactions": 7,
"total_credit_amount": 108022,
"year": null,
"total_debit_amount": 18481.1,
"average_eod_balance": 4216.77
},
{
"month_name": "NOV",
"no_of_debit_transactions": 25,
"no_of_credit_transactions": 2,
"total_credit_amount": 52652,
"year": null,
"total_debit_amount": 19282.82,
"average_eod_balance": 2664.25
},
{
"month_name": "DEC",
"no_of_debit_transactions": 46,
"no_of_credit_transactions": 8,
"total_credit_amount": 171447,
"year": null,
"total_debit_amount": 73174.84,
"average_eod_balance": 4530.03
},
{
"month_name": "JAN",
"no_of_debit_transactions": 30,
"no_of_credit_transactions": 1,
"total_credit_amount": 60000,
"year": null,
"total_debit_amount": 46915.82,
"average_eod_balance": 3448.9
},
{
"month_name": "FEB",
"no_of_debit_transactions": 31,
"no_of_credit_transactions": 10,
"total_credit_amount": 64930,
"year": null,
"total_debit_amount": 30270.52,
"average_eod_balance": 2321.96
},
{
"month_name": "MAR",
"no_of_debit_transactions": 32,
"no_of_credit_transactions": 4,
"total_credit_amount": 101414,
"year": null,
"total_debit_amount": 267997.25,
"average_eod_balance": 10261.42
}
],
"key_fetched_at": "2023-11-07T05:46:03.491Z"
}
]
}This journey does not include any pre-configured Ownership or Fraud Checks. To add these checks, please contact your Account Manager.
Key Status
| Status | Description |
|---|---|
| VERIFIED | Data is retrieved from the source of truth |
| CHECKED | Data is derived or obtained from third parties |
| IN_PROGRESS | Currently verifying data with the official source or third parties |
| FAILED | User-shared data is invalid or incorrect |
| UNVERIFIED | User-shared data without confirmation from official sources |
| USER_DONT_HAVE | User states they lack the specified ID |
Updated 3 months ago