Credit Limit Use Cases

Introduction

The Credit Limit Report provides an overview of the overdraft interest spendings of a customer.

Information you can get from this report:

How often is the overdraft limit used
How much interest 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