New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends

This month, we added 140 new Attributes to our Cashflow Attributes API.

These Attributes provide detailed data on various financial health aspects, including the count of personal loans from subprime and prime lenders, and a close look at financial behaviors around payroll events—such as median and average current balances and recurring expenditures before and after payday.

Delve into these Attributes to unlock a deeper understanding of financial trends and behaviors.

Use Cases

The new Attributes include new insight into Affordability, Stability, Willingness, and Assets:

• Determine if a borrower is paying back subprime or prime personal loans
• Analyze balance trends and spending around payroll dates
• Track the percentage of income deposited into bank accounts
• Check for missed or late payments on loans, credit cards, and mortgages
• Identify failed and reversed loan payments
• Essential, non-essential and obligatory expenditures to income trends
• Unusual transfers

New Attributes

The following Attributes have recently been added to our Attributes API:

• subprime_personal_loan_provider_count_past_xd
• prime_personal_loan_provider_count_past_xd
• median_current_balance_1d_after_payroll_past_xd
• median_current_balance_2d_after_payroll_past_xd
• median_current_balance_3d_after_payroll_past_xd
• average_current_balance_on_payday_past_xd
• median_current_balance_on_payday_past_xd
• average_recurring_expenditures_1d_after_payroll_past_xd
• average_recurring_expenditures_2d_after_payroll_past_xd
• average_recurring_expenditures_3d_after_payroll_past_xd
• median_recurring_expenditures_1d_after_payroll_past_xd
• median_recurring_expenditures_2d_after_payroll_past_xd
• median_recurring_expenditures_3d_after_payroll_past_xd
• average_recurring_expenditure_on_paydate_past_xd
• median_recurring_expenditure_on_paydate_past_xd
• percentage_income_checking_account_past_xd
• percentage_income_savings_account_past_xd
• missed_auto_loan_payments_count_past_xd
• missed_personal_loan_payments_count_past_xd
• missed_student_loan_payments_count_past_xd
• missed_credit_card_payments_count_past_xd
• missed_mortgage_payments_count_past_xd
• auto_loan_payments_timeliness_past_xd
• personal_loan_payments_timeliness_past_xd
• student_loan_payments_timeliness_past_xd
• credit_card_payments_timeliness_past_xd
• mortgage_payemnts_timeliness_past_xd

Here are some FAQs to get you started!

How do we interpret timeliness?

The timeliness Attributes have values between 0 and 1 and indicate how often and by how much the loan payments are late. 0 means all their payments were on time and higher values indicate that the payments are late more often and by many days after the expected payment date. When missed payments and late payment timeliness Attributes are both 0, it would indicate that the user likely has autopay enabled.

How can I access these new Attributes?

These Attributes will also be available through our Cashflow Analytics for Snowflake product. You can find more details about these Attributes in our Attributes API docs and Attributes Dictionary.

Let us know at api@pave.dev if you have any feedback or suggestions for Attributes!

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