SaFi Bank Space : Balance Check Private API OSP

Overview

This API aims to check customer balance and account age (if possible) in Core Banking/Data Lake prior loan availment/offer.

This will identify deposit relationship of client with the bank
This info can be used in deciding product offers for existing clients

Requirements

Input parameters

Parameter	Description
referenceId	`string` unique ID of existing customer to check balance

Sample:

curl --location --request POST 'https://sandbox-oop-client.advai.net/intl/openapi/journey/v1/submit?journeyId=52137&mode=SYNC' \
--header 'X-ADVAI-KEY: 65d22e4b4c9f1159' \
--header 'Content-Type: application/json' \
--data-raw '{
  "referenceId": "2cf1d446-8d8e-4a11-a442-5c0c0001ea8c"
}'

Response / Output

Parameter	Description
code	Status Code
message	Message returned from server
name	Customer name, should be the full name of the person
data	realTimeBalance: Real time total balance (main account + pockets) in PH currency ~~aveDailyBalance: Average daily balance in PH currency~~ acctAge: In days

Sample:

{
   "code":"SUCCESS",
   "message":"Ok",
   "data":{
      "name":"John Santos Garcia",
      "realTimeBalance":"500.00",
      "acctAge":30
   },
   "timestamp":"2022-10-21 02:58:36"
}

Strategy / logic:

Sample strategy:
- If account balance is 0 = Reject loan request
- If account age is more than 6 mos/180 days, balance is less than 500 = Reject loan request

Kafka topics:

For real time balance: account.main.balances.updates, account.saving.balances