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Overdraft Interest Use Cases

Introduction

The Overdraft Interest Report provides an overview of the overdraft interest spendings of a customer.

Information you can get from this report:

  • How often ist the overdraft limit used

  • How much interests has to be paid

The following use cases are examples to make them more “plastic”.

Banks

UC-01: Analysis of the amount of paid overdraft interests

Actors

  • Bank

  • User

Systems

  • Bank’s loan application

  • finAPI Data Intelligence

  • finAPI Process Controller

  • finAPI WebForm

Goals

  • Analyze how much overdraft interest the customer has to pay

  • Offer suitable own product

Preconditions

  • User has opened the Bank's online loan application

Flow

  • Bank’s loan application asks customer to import all accounts

    • Open finAPI Process Controller and get process token and user

    • Call finAPI WebForm v2 to let the user import the accounts

      • wait until the user has finished

    • Call finAPI Data Intelligence Synchronize accounts endpoint and wait for callback

      • Callback should create a Overdraft Interest Report with the given Data Sources

    • Get the result of the Overdraft Interest Report

      • Look at the result to find out if, and if so, how much, the customer has to pay overdraft interests

UC-02: Analysis of reliability and creditworthiness before applying for credit

Actors

  • Bank

  • User

Systems

  • Bank’s loan application

  • finAPI Data Intelligence

  • finAPI Process Controller

  • finAPI WebForm

Goals

  • Analysis if, and if yes how often does the customer use the overdraft limit

  • From this the following conclusions about its reliability and creditworthiness

Preconditions

  • User has opened the Bank's online loan application

Flow

  • Bank’s loan application asks customer to import all accounts

    • Open finAPI Process Controller and get process token and user

    • Call finAPI WebForm v2 to let the user import the accounts

      • wait until the user has finished

    • Call finAPI Data Intelligence Synchronize accounts endpoint and wait for callback

      • Callback should create a Overdraft Interest Report with the given Data Sources

    • Get the result of the Overdraft Interest Report

      • Look at the result to find out if, and if so, how often, the customer has to pay overdraft interests

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