Banking API — Personal Finance
Comprehensive Financial Health Scoring API
Assess overall financial wellness with holistic health scores. Analyze income, expenses, savings, debt, and financial behaviors to generate actionable wellness insights.
Financial wellness encompasses more than just credit scores. Fiskil analyzes comprehensive banking data to generate holistic financial health scores and personalized improvement recommendations.
The Challenge
Credit scores measure borrowing behavior but ignore savings, cash flow, and overall financial wellness.
The Solution
Analyze income, spending, savings, debt, and financial behaviors to generate comprehensive wellness scores and improvement roadmaps.
Capabilities
How Fiskil Helps
Multi-Dimensional Scoring
Score financial health across income stability, spending control, savings rate, debt burden, and emergency preparedness.
Benchmark Comparisons
Compare financial health to peer benchmarks and best practices.
Personalized Recommendations
Generate specific, actionable recommendations to improve financial wellness.
Progress Tracking
Track financial health improvements over time with historical scoring.
Implementation
How It Works
Connect Financial Accounts
User connects bank accounts, credit cards, and other financial accounts.
Analyze Financial Data
API analyzes 6-12 months of financial data across income, spending, savings, and debt.
Generate Wellness Score
Receive overall wellness score (0-100) with component scores for each dimension.
Provide Recommendations
Display personalized recommendations to improve specific areas of financial health.
In Practice
How Teams Use This
Employer Benefits Platform
An employer offers financial wellness scoring as part of employee benefits program.
Employee financial stress reduced by 35%, improving productivity and retention.
Banking App Feature
A bank adds wellness scoring to help customers understand and improve financial health.
Customers with wellness scores increased savings by 45% and reduced debt by 28%.
Financial Coaching App
A coaching platform uses wellness scores to measure client progress.
Coaches demonstrate average wellness score improvement of 23 points over 6 months.
Technical Details
What You Integrate With
API endpoints
POST /financial-wellness/assessGET /accounts/{accountId}/wellness-scoreGET /wellness/recommendationsGET /wellness/{assessmentId}/history
Data returned
Overall wellness score
Income stability score
Spending control score
Savings rate score
Debt burden score
Emergency fund status
Personalized recommendations
Authorisation
OAuth 2.0 / CDR consent
Real-time data access.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
Personal Finance
Budget Tracking
Track spending against budgets automatically using real banking transactions. Help users manage their money with intelligent budget tracking and alerts.
Personal Finance
Savings Goals
Help users achieve savings goals with intelligent tracking and recommendations. Monitor progress, optimise contributions, and celebrate milestones automatically.
Personal Finance
Debt Management
Help users manage and eliminate debt with intelligent tracking and optimisation. Identify debt obligations, calculate payoff timelines, and recommend repayment strategies.
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