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.
Most income verification focuses narrowly on salary. But modern earners have complex income profiles: a primary salary supplemented by freelance work, rental property income, government benefits, dividends, and other sources. Fiskil's income analysis API examines all incoming transactions across connected bank accounts to build a comprehensive, multi-source income report. Under CDR, up to 12 months of transaction history can be analysed to capture seasonal variations, irregular income, and long-term trends.
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.
In Practice
How Teams Use This
Mortgage Lender
A non-bank lender uses multi-source income analysis to assess self-employed borrowers who have salary from a part-time role plus business income and rental income.
Approved 22% more self-employed borrowers by capturing all income sources, while maintaining default rates below portfolio average.
Financial Planning Platform
A financial planning app analyses all income sources to provide users with an accurate income dashboard and forecast future earnings.
Users with multi-source income reported 45% higher satisfaction with income projections compared to salary-only estimates.
Government Benefit Assessment
A government agency analyses all income streams to accurately assess benefit eligibility, replacing self-declaration forms.
Identified 18% of applicants with undeclared income sources, improving assessment accuracy and reducing over-payments.
Technical Details
What You Integrate With
API endpoints
GET /v1/accounts/{accountId}/transactionsPOST /v1/income/detectGET /v1/income/analysisGET /v1/income/sourcesGET /v1/income/trends
Data returned
Income by source category
Monthly and annual averages
Income stability scores
Trend indicators (rising, stable, declining)
Source frequency and regularity
Authorisation
OAuth 2.0 / CDR consent
Real-time data access.
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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.
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