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Bud Financial

Bud Financial Retrieve Affordability Risk Insights API

Retrieve a customer's report insights generated from their financial data. In contrast to the alert style actionable insights,these insights should be used more as a summary.

Documentation Provider Profile APIs.io OpenAPI GitHub

Bud Financial Retrieve Affordability Risk Insights API is one of 32 APIs that Bud Financial publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

This API exposes 2 JSON Schema definitions.

Tagged areas include Retrieve Affordability Risk Insights. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, a JSON-LD context, and 2 JSON Schemas.

This API exposes 8 operations across 8 paths, and defines 35 schemas. It is described by OpenAPI 3.2.0, at version 2.10.10.

Requests are made against a single base URL, https://api-sandbox.thisisbud.com.

8 operations 8 paths 35 schemas 8 GET

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.2.0
API Version
2.10.10
Base URL
https://api-sandbox.thisisbud.com
Authentication
HTTP Basic, OAuth 2.0
Contact
Bud Support
Resource Areas
1

Authentication & Security 2

Bud Financial Retrieve Affordability Risk Insights API declares 2 security schemes for authenticating requests. It accepts HTTP basic authentication (Basic). It supports OAuth 2.0 (OAuth2) using the clientCredentials flow.

  • OAuth2 — Authentication flow: 1. Perform OAuth2 Client Credentials authentication using API Credentials (clientid,clientsecret) to obtain an accesstoken against /v1/oau…

Paths & Operations 8

Across 8 paths, the API surfaces 8 operations — 8 GET. Each is listed below with its method, path, parameters, and response codes.

Retrieve Affordability Risk Insights 8

Retrieve a customer's report insights generated from their financial data. In contrast to the alert style actionable insights, these insights should be used more as a summary.

GET
/insights/beta/report/income-expenditure
Retrieve income/expenditure break down reports
insights_beta_report_income_expenditure_get 8 params → 200
GET
/insights/beta/report/income-expenditure/transactions/{reference}
Retrieve transactions relating to a specific insight report section.
insights_beta_report_income_expenditure_transactions_get 8 params → 200
GET
/insights/beta/report/merchants
Retrieve merchant-specific breakdown reports.
insights_beta_report_merchants_get 8 params → 200
GET
/insights/beta/report/merchants/transactions/{reference}
Retrieve transactions relating to a specific insight report section.
insights_beta_report_merchants_transactions_get 8 params → 200
GET
/insights/beta/report/balance/unauthorised-overdraft
Retrieve a report on a customers unauthorised overdraft.
insights_beta_report_balance_unauthorised_overdraft_get 8 params → 200
GET
/insights/beta/report/balance/unauthorised-overdraft/transactions/{reference}
Retrieve transactions relating to a specific insight report section.
insights_beta_report_unauthorised_overdraft_transactions_get 8 params → 200
GET
/insights/beta/report/income-health
Retrieve a health report on a customers financial profile.
insights_beta_report_income_health_get 8 params → 200
GET
/insights/beta/report/income-health/transactions/{reference}
Retrieve transactions relating to a specific insight report section.
insights_beta_report_income_health_transactions_get 8 params → 200

Schemas 35

The contract defines 35 schemas that model the data the API accepts and returns. The most detailed are InsightsTransaction (15 properties), RegularTransactionIncomeGroup (10 properties), UnauthorisedOverdraftAccount (9 properties), Enrichments (7 properties). Each schema is shown below with its type and property counts.

TransactionsReference
string
A unique identifier to reference a specific transaction subset used within a section of a report.
Token
object
The token item.
2 properties 2 required
UnauthorisedOverdraftDate
object
3 properties 3 required
schemas-TransactionsLinks
object
URLs for resources related to this report insight
1 property 1 required
UnauthorisedOverdraftAccount
object
9 properties 9 required
HCSTCreditAnalysis
object
Object represents analysis indicating interactions with high-cost short-term credit providers.
6 properties 6 required
Location
object
Location enrichment associated with a Transaction
3 properties
IrregularTransactions
object
4 properties 4 required
ReportInsightsTransactionResponse
object
3 properties 3 required
IncomeExpenditureAnalysis
object
Object presents a single expenditure group income analysis report. The focus of this object is to present a view of a single expenditure and its impact on a cu…
6 properties 5 required
BudMonetaryValue
string
The value of the monetary amount. The value is formatted with the number of decimal places for the respective currency. Example: 10.98
UnauthorisedOverdraftResponse
object
3 properties 3 required
Enrichments
object
Contextual enrichments associated with a Transaction
7 properties
schemas-DateTimeISO8601
string
ISO Date Format
Processor
object
Processor enrichment associated with a Transaction, as generated using a combination of Bud's artificial intelligence models and database of known payment proc…
6 properties
CreditLine
object
3 properties 3 required
IncomeExpenditureReportResponse
object
3 properties 3 required
BudCurrency
string
The three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html) of the monetary amount. Example: GBP
RegularTransactionIncomeGroup
object
10 properties 10 required
IncomeStability
object
2 properties 2 required
Frequency
string
Categories
object
Categories enrichment associated with a Transaction, as generated by Bud's artificial intelligence models. Currently two levels of category are supported, with…
2 properties
balance
object
4 properties 4 required
Regularity
object
Regularity enrichment associated with a Transaction, as generated by Bud's artificial intelligence models. Transactions that are similar and have a known frequ…
3 properties
InsightOption
object
An option used to configure the returned insights.
3 properties 3 required
Category
object
Category associated with a Transaction
2 properties 2 required
IncomeHealthReportResponse
object
3 properties 3 required
MerchantsReportResponse
object
Object represents a set of merchant-related insights generated for the customer inspecting transactions over a given period of time. The insights include: - hc…
3 properties 3 required
UnauthorisedOverdraftInsight
object
4 properties 4 required
InsightsTransaction
object
A financial transaction
15 properties 8 required
RegularTransactions
object
6 properties 6 required
DaysInUnauthorisedOverdraft
object
Object represents the number of days a customer has been in an unauthorised overdraft. Should be noted that this is a percentage of the total number of days in…
2 properties 2 required
CreditDebitIndicator
string
BudAmount
object
The monetary amount.
2 properties 2 required
Merchant
object
Merchant enrichment associated with a Transaction, as generated using a combination of Bud's artificial intelligence models and database of known merchants.
7 properties

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

bud-co-retrieve-affordability-risk-insights-api-openapi.yml Raw ↑

Other APIs Bud Financial publishes across the network.

Bud Financial Aggregation Buckets API
AE Profile APIs.io
Bud Financial Correct Financial Data API
AE Profile APIs.io
Bud Financial Create a Connection API
AE Profile APIs.io
Bud Financial Custom Insights API
AE Profile APIs.io
Bud Financial Customer Application Links API
AE Profile APIs.io
Bud Financial Customer Applications API
AE Profile APIs.io
Bud Financial Debt Collection Finder API
AE Profile APIs.io
Bud Financial Enrichment Resources API
AE Profile APIs.io
Bud Financial Enrichment Totals API
AE Profile APIs.io
Bud Financial Frontend Widgets API
AE Profile APIs.io
Bud Financial Income Finder API
AE Profile APIs.io
Bud Financial Ingest First Party Data API
AE Profile APIs.io
#Retrieve Affordability Risk Insights
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API Details
ID
bud-co:bud-co-retrieve-affordability-risk-insights-api
Base URL
https://api-sandbox.thisisbud.com
Docs
https://docs.thisisbud.com
Provider
Bud Financial
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