Labeling transaction use cases are mostly about learning more about the customer or finding out if a product might be of interest to a customer.
Information you can get from the transactions with the Labelling Service:
Labels to have a context for the transaction
Customer number, if the transaction contains a contract from a known company
Contract numbers, if the transaction contains a contract from a known company
Overdraft information from purposes of known Banks from settlement transactions
Chargeback amount, if the transaction contains a chargeback and additional information about the original amount and costs
The following use cases are examples to make them more “plastic”.
Banks
Use Case Bank-01: Bank wants to show labels on the transactions to give them a context
Actors
Bank
User
Systems
Online-Banking
finAPI Labelling Service
Goals
Adding labels to all transactions to give them context for the user
Users can search for labels to find transactions much easier
Present the transactions in a chart for better overview
Preconditions
User was logged in to the Online-Banking
Flow
The Online-Banking is after the login updating the transactions
If there are new transactions, the Online-Banking calls the finAPI Labelling Service to get the labels
After the labels are retrieved, they are saved to the transactions in the Online-Banking database
The user is navigating to the transaction overview
All displayed transactions have small labels under them
If the user clicks on the search, a dialog will be shown with form elements to select from the available labels and add them to a search
If the user now searches, all label-relevant transactions are displayed by a filter
A chart with the amounts of the labels (income and spending) can also be displayed to give the user a better insight into the current cash flow.
Use Case Bank-02: Bank wants to offer a loan and has to search for loans in its own transactions of the user
Actors
Bank
User
Systems
Online-Banking
finAPI Labelling Service
Goals
Find out, if the user already has some loans in the transactions of the account from the bank to allow automated loan applications
Preconditions
User was logged in to the Online-Banking
Flow
The Online-Banking is after the login updating the transactions
If there are new transactions, the Online-Banking calls the finAPI Labelling Service to get the labels
After the labels are retrieved, they are saved to the transactions in the Online-Banking database
The user is navigating to the loan application in the Online-Banking
The Bank loads all transactions, labelled with LOANANDINTEREST and calculates the monthly costs for the last 3 months as a basis for loan liabilities of the user
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