Banking API — Payroll
Multi-Source Income Analysis and Reporting from Bank Data
Analyse all income sources from bank transactions — salary, freelance, rental, government benefits, and investment returns. Fiskil's income analysis API provides a comprehensive income profile from up to 12 months of CDR transaction data.
The Challenge
Assessing income from salary alone understates total earning capacity and creates inaccurate financial profiles for individuals with diverse income streams.
The Solution
Fiskil's income analysis examines all credits across connected bank accounts, classifying them by source type and building a complete income profile automatically.
Capabilities
How Fiskil Helps
Multi-Source Income Classification
Automatically classify incoming transactions into categories: salary, freelance/contract payments, rental income, government benefits (Centrelink, JobSeeker, Family Tax Benefit), investment returns (dividends, interest), and other sources.
Income Aggregation and Averaging
Calculate total income across all sources with monthly, quarterly, and annual averages. Weight regular income differently from irregular or one-off receipts.
Stability and Reliability Scoring
Score each income stream for stability based on regularity, consistency of amounts, and source reliability. Salary scores highest; irregular freelance income scores lower.
Seasonal and Trend Analysis
Detect seasonal income patterns (e.g., higher freelance earnings in Q4, rental vacancy periods) and calculate income trends — rising, stable, or declining — over the analysis window.
Implementation
How It Works
Connect Bank Accounts via CDR
The individual connects one or more bank accounts through Fiskil's CDR consent flow. Multiple account connections provide the most complete income picture.
Retrieve Extended Transaction History
Fetch 6-12 months of transaction data across all connected accounts. Longer windows capture seasonal variations and provide more reliable averages.
Generate Income Report
Call the income analysis endpoint to receive a structured report with income sources, amounts, frequencies, stability scores, and trend indicators.
Integrate Report into Decision Process
Use the structured income data in lending assessments, affordability calculations, benefit eligibility checks, or financial planning tools.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
Lending
Income Verification
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Lending
Affordability Check
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Payroll
Salary Verification
Detect and verify salary deposits automatically using transaction pattern recognition. Fiskil's salary verification API identifies employer payments, pay frequency, and deposit amounts with 95%+ accuracy for regular salary earners.
Get started today
Talk to us about what you're building and we'll show you how we can help.
