Profiling

Summary

Profiling is an analytical service that examines transaction data to create descriptive profiles reflecting customer financial behavior. It enhances our risk scoring by offering qualitative insights into customer lifestyles and interests, allowing for segmentation that goes beyond basic financial indicators.

This service allows you to build a holistic view of your customers, which can be used to inform product development, communication strategies, and personalized marketing.

Profiling Methodology

The solution is a batch process that operates on the same transactional features calculated for our scoring models. It uses a series of classifiers to identify spending patterns and behaviors that correspond to specific lifestyle profiles.

Upon request, we can develop new profiles customized to the client’s specifications or adjust the current ones.

Supported Services

Profiling operates on aggregated data for a specific end-user, identified by their ownerExternalId. The service can process data from the following import sources:

• Account Information Service
• PDF Statements Parsing
• Owner Upload

Integration

The typical integration workflow is very simple and includes the following steps:

1. Import end-user data from all the sources you require
2. Make a request to the /v1/owner-profiles endpoint, providing the ownerExternalId that you have previously assigned to the user.
3. The API will return a JSON response containing a list of applicable profiles.

This response list will be a list of strings. It may be empty if no profiles are triggered, or it may contain one or more of the supported profile categories.

For more technical details, refer to the Profiling section in our documentation where you’ll find everything you need to implement the solution.