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Aggregate

Aggregate summarises enriched customer transactions into structured data that supports affordability analysis, cashflow review, and financial behaviour assessment.

Retrieving this report​

Aggregate is returned as the aggregate entry of the report bundle - one call returns it alongside Completeness and Risk Score. Check the entry's status before reading its data; the fields below describe that data payload.

Interpreting results for credit​

  • Use hierarchy to understand where a node sits in the report structure: top-level sections, nested subtables, individual rows, and totals
  • Use type to determine how to parse values - for example as an array of child nodes, a time series object, or a key-value object
  • Compare income and expense node values across the assessed period to inform serviceability calculations
  • Read Aggregate alongside Completeness in the same bundle - low data coverage can distort aggregated totals and reduce confidence in the figures

Response fields​

The data payload contains a tables array of aggregation nodes. Each node contains:

FieldDescription
idUnique identifier for the aggregation node
nameHuman-readable label for the aggregation category, when available
hierarchyStructural role of the node in the aggregation output: table, subtable, row, or total
typeData shape of the node's values field: objectArray, timeseries, or keyValue
valuesAggregated values for the node. The structure depends on the node type (see below)

The shape of values depends on type:

  • objectArray - values is an array of child nodes (recursive nesting)
  • timeseries - values is an object keyed by "yyyy-MM" month with numeric amounts (or null where no value exists), plus a total key
  • keyValue - values is an object of key/value pairs; values are mixed types (strings, numbers, dates, nulls)

Next steps​

  • Reports - How to retrieve this report and read its status
  • Completeness - Validate data coverage before relying on aggregated totals
  • Risk Score - Add a risk signal to complement affordability analysis
  • API Reference - Full endpoint schema and parameter details