Overview

klavi provides the following data products(personal and business) based on open finance data , and each product data is divided into different levels based on the different data ranges institution level a user's account in a certain institution user level a user's account in multiple institutions open finance product product group product for personal product for business product level statement docid\ pe09ib5xd1cjajljee9 c docid\ pe09ib5xd1cjajljee9 c institution level docid\ roosnfh1l33qxszh 7qxy docid\ roosnfh1l33qxszh 7qxy institution level docid 7nshfxxrio1dxlinddvfy docid 7nshfxxrio1dxlinddvfy institution level docid 2fspj0x4sl8ebmzp7hkgp docid 2fspj0x4sl8ebmzp7hkgp institution level docid\ zpma4lxowtyw3oxhzno6j docid\ zpma4lxowtyw3oxhzno6j institution level https //docs klavi ai/connect/financing https //docs klavi ai/connect/financing institution level https //docs klavi ai/connect/invoicefinancing https //docs klavi ai/connect/invoicefinancing institution level https //docs klavi ai/connect/unarrangedaccountoverdraft https //docs klavi ai/connect/unarrangedaccountoverdraft institution level https //docs klavi ai/connect/blgd v1 https //docs klavi ai/connect/variableincomes institution level https //docs klavi ai/connect/bankfixedincomes https //docs klavi ai/connect/bankfixedincomes institution level https //docs klavi ai/connect/funds https //docs klavi ai/connect/funds institution level https //docs klavi ai/connect/creditfixedincomes https //docs klavi ai/connect/creditfixedincomes institution level https //docs klavi ai/connect/treasuretitles https //docs klavi ai/connect/treasuretitles institution level docid\ faed9syvdhj4fkn zfa98 docid\ faed9syvdhj4fkn zfa98 institution level docid\ wwmtkqupefmibqp oxtcd docid\ wwmtkqupefmibqp oxtcd institution level docid\ xtompz4w1ilpoliqeaa3k docid\ xtompz4w1ilpoliqeaa3k institution level docid\ zjgr1rupbcmoumlb tlkx docid\ zjgr1rupbcmoumlb tlkx institution level docid\ qpywpqlt5lqlpnzc tgrr docid\ qpywpqlt5lqlpnzc tgrr institution level docid\ jpt5a6hwfkrgtmrjyn3fi docid\ jpt5a6hwfkrgtmrjyn3fi institution level credit risk docid\ s3pebdz6olid6ioewu5vl n/a user level docid\ hsmis4ih4y0romq4m0yts n/a user level docid\ qiwo72tptxlandrpxto8v n/a user level https //docs klavi ai/connect/kndq recurrent expenses n/a user level docid\ eqfp0pr8 nno 04rr0vng n/a user level docid 3tfbx3sphl0l76z0jfcat n/a user level docid\ zq1dxl nhg0s91gonhxjl n/a user level docid 4saol lgvh8lv4cin7dgv n/a user level docid\ g1sudjadzfseynyoot0da n/a user level docid\ z4trltchd23kf2lwd8shh n/a user level docid\ smg1tlsmkflpnquwikp6w n/a user level docid\ k o5qq dok1ooyutyk9qj n/a user level market intelligence docid\ ej3zoghw c3 c508hnzwf n/a user level docid\ ks52v 616dibdfd7yitnq n/a user level docid\ itphnlgd0c5q5owaumxyd n/a institution level kyc docid\ itiltmkqbdf 9oag6bicd docid\ itiltmkqbdf 9oag6bicd institution level below are the product descriptions product group p p roduct description description # variables # variables statement pf checking account checking account data account number, balance, and transactions pf savings account savings account data account number, balance, and transactions pf credit card credit card data card number, limit, statements and transactions pf balance balance data includes account number and balance for both checking and savings accounts pf loans credit operation – loans contract data, loan amount, interest, installments, and payment history pf financiang credit operation – financing contract data, financed amount, interest, installments, and payment history pf invoice financing credit operation – invoice financings contract data, amount, interest, installments, and payment history pf unarranged account overdraft credit operation – advance to depositors contract data, amount, interest, installments, and payment history pf variable incomes investment type – variable income investment product data, balance, transactions, and brokerage note information pf bank fixed incomes investment type – bank fixed income investment product data, balance, and transactions pf funds investment type – investment funds investment product data, balance, and transactions pf credit fixed incomes investment type – credit fixed income investment product data, balance, and transactions pf treasure titles investment type – government bonds (tesouro direto) investment product data, balance, and transactions pf categorized checking l2 checking account data enriched with klavi's intelligence account number, balance, and transactions with categorization having 2 levels of categorization pf categorized savings l2 savings account data enriched with klavi's intelligence account number, balance, and transactions with categorization having 2 levels of categorization pf categorized creditcard l2 credit card statement includes all information such as credit limit and other card details, enriched with klavi's intelligence having 2 levels of categorization pf categorized checking l3 checking account data enriched with klavi's intelligence account number, balance, and transactions with advanced categorization having 3 levels of categorization pf categorized savings l3 savings account data enriched with klavi's intelligence account number, balance, and transactions with advanced categorization having 3 levels of categorization pf categorized creditcard l3 credit card statement includes all information such as credit limit and other card details, enriched with klavi's intelligence having 3 levels of categorization credit risk pf financial entries cash flow focused variables, identifying types of income and additional observed earnings 144 pf credit risk variables focused on credit risk uses transactional data and information on contracted products and services from the shared bank 141 pf income returns three types of income (1) observed income (formal jobs \[clt], public employee, companies, inss, government benefits), (2) additional income (uber, 99, card acquirer earnings), and (3) estimated income, inferred using transactional and financial product data 8 pf recurrent expenses variables for recurring expenses, showing monthly inferences for 20 expense types 20 pf competing debit variables that show the type of monthly income and the competition with other debits related to the main income receipt date pf score l1 a credit score model developed by klavi using only open finance data 1 pf score l2 a credit score model developed by klavi using only open finance data 1 pf score l3 a credit score model developed by klavi using only open finance data 1 pf score l5 a credit score model developed by klavi using only open finance data 1 pf score c1 a credit score model developed by klavi using only open finance data 1 market intelligence pf financial products variables focused on financial products, including transactions and contracted products and services also includes current and savings account balances 105 pf non financial products variables focused on non financial products, derived from transactional data related to essential services and lifestyle 56 pf principality it is a scoring model that indicates the level of primacy of the connected account kyc pf identity provides personal information (birthdate, gender, marital status, occupation, phone number, address, family), declared income, assets and salary portability