How do I read an Instantor report?

Instantor reports consist of account name, transaction list, account owner detail, and several other things.

Instantor report

The report comes in JSON format, and it begins with the unique identifier of the report that we call InstantorRequestId. This ID is important and useful to report an error. Note that this report is only a sample and did not contain real data. The report we use is from Sweden configuration. It can be slightly different for each country.

  • StartTime and FinishedTime are the timestamp of the process.
  • ProcessStatus is self-explanatory, the status of the request (or login).
  • ReportNumber 0 means this report is the first report. One request (or login) from end-user may trigger more than one report, depend on the configuration requested by Instantor's client. In some case, we break reports in chunk because if we wait for data aggregation to finish, it will take some time.
  • miscParams can be very different from one bank in same country, to banks in different country. It is an extra data. On the sample we can see loanId, firstname, lastName, and also report's environment.

Notice that the structure of the report is different for miscParams. It means that the loanId, firstName, lastName, and environment is under miscParams. We will see more of this parent-child relation in following part of the report.

Instantor report

In this part, the report will focus on the account report.

  • Number means the full IBAN number of the account. One person usually has two accounts: private account and saving account. Meaning that there will be the second part later in the report.
  • totalNumberOfTransactions is self-explanatory, the number of transactions that this account has for the period of 12 months.
  • cashFlow contains 12 groups of data (for 12 months) and each group contains information as seen in the picture above.
Instantor report

Instantor report

This section will be the detail of the account owner. Many parts of this section are self-explanatory. The private mark on address, number, and email exist to let the credit company know that the information cannot be stored due to confidentiality.

Instantor report

This is the last section of the report, the transaction list.

  • Number will be the account number. Like mentioned before, one person may have more than one account (in the same bank), so this part may repeat.
  • transactionList contains list of the transactions since the data aggregation date, up to 12 months before. Since all the transactions will be listed in this section, this may cause the report to be sent to the client delayed, therefore, in case of a big amount of transactions, we break the report down into two or even three chunks.