Interswitch customer insights

Interswitch Customer Insights API

Access customer demographics, financial transaction history, and spending patterns for KYC verification, credit scoring, and service personalization.

Insight Categories

Category	Data Available
Demographics	Name, age, gender, location, phone, email
Financial History	Transaction history, account balances, income patterns
Financial Habits	Spending categories, frequency, average amounts

Endpoints

Endpoint	Method	Description
/api/v1/customer-insights/demographics	POST	Get demographic data
/api/v1/customer-insights/financial-history	POST	Get transaction history
/api/v1/customer-insights/financial-habits	POST	Get spending patterns

Customer Demographics

interface DemographicsRequest {
  customerId: string;         // BVN, phone, or account number
  idType: 'BVN' | 'PHONE' | 'ACCOUNT';
  consent: boolean;           // Customer consent required
}

interface DemographicsResponse {
  responseCode: string;
  data: {
    firstName: string;
    lastName: string;
    middleName?: string;
    dateOfBirth: string;
    gender: string;
    phoneNumber: string;
    email?: string;
    address?: string;
    state?: string;
    lga?: string;
    nationality: string;
    bvn?: string;
  };
}

async function getCustomerDemographics(
  data: DemographicsRequest
): Promise<DemographicsResponse> {
  const headers = await getAuthHeaders();

  const response = await fetch(
    `${process.env.INTERSWITCH_BASE_URL}/api/v1/customer-insights/demographics`,
    {
      method: 'POST',
      headers: { ...headers, 'Content-Type': 'application/json' },
      body: JSON.stringify(data),
    }
  );

  return response.json();
}

Financial History

interface FinancialHistoryRequest {
  customerId: string;
  idType: 'BVN' | 'PHONE' | 'ACCOUNT';
  startDate: string;          // YYYY-MM-DD
  endDate: string;            // YYYY-MM-DD
  consent: boolean;
}

interface TransactionRecord {
  date: string;
  amount: number;
  type: 'CREDIT' | 'DEBIT';
  description: string;
  category: string;
  channel: string;
  balance?: number;
}

interface FinancialHistoryResponse {
  responseCode: string;
  data: {
    totalCredits: number;
    totalDebits: number;
    averageBalance: number;
    transactions: TransactionRecord[];
    incomePattern: {
      averageMonthlyIncome: number;
      incomeFrequency: string;
      primaryIncomeSource: string;
    };
  };
}

async function getFinancialHistory(
  data: FinancialHistoryRequest
): Promise<FinancialHistoryResponse> {
  const headers = await getAuthHeaders();

  const response = await fetch(
    `${process.env.INTERSWITCH_BASE_URL}/api/v1/customer-insights/financial-history`,
    {
      method: 'POST',
      headers: { ...headers, 'Content-Type': 'application/json' },
      body: JSON.stringify(data),
    }
  );

  return response.json();
}

Financial Habits

interface FinancialHabitsRequest {
  customerId: string;
  idType: 'BVN' | 'PHONE' | 'ACCOUNT';
  period: number;             // Months to analyze
  consent: boolean;
}

interface SpendingCategory {
  category: string;           // e.g., 'Food', 'Transport', 'Bills'
  totalAmount: number;
  percentage: number;
  transactionCount: number;
  averageAmount: number;
}

interface FinancialHabitsResponse {
  responseCode: string;
  data: {
    spendingCategories: SpendingCategory[];
    savingsRate: number;
    transactionFrequency: {
      daily: number;
      weekly: number;
      monthly: number;
    };
    preferredChannels: {
      channel: string;        // 'POS', 'ATM', 'Web', 'Mobile'
      percentage: number;
    }[];
    riskScore: number;        // 0-100 risk assessment
  };
}

async function getFinancialHabits(
  data: FinancialHabitsRequest
): Promise<FinancialHabitsResponse> {
  const headers = await getAuthHeaders();

  const response = await fetch(
    `${process.env.INTERSWITCH_BASE_URL}/api/v1/customer-insights/financial-habits`,
    {
      method: 'POST',
      headers: { ...headers, 'Content-Type': 'application/json' },
      body: JSON.stringify(data),
    }
  );

  return response.json();
}

Complete KYC Flow

// 1. Get demographics for identity verification
const demographics = await getCustomerDemographics({
  customerId: '22123456789',  // BVN
  idType: 'BVN',
  consent: true,
});

console.log('Customer:', demographics.data.firstName, demographics.data.lastName);

// 2. Get financial history for credit assessment
const history = await getFinancialHistory({
  customerId: '22123456789',
  idType: 'BVN',
  startDate: '2024-01-01',
  endDate: '2024-12-31',
  consent: true,
});

console.log('Monthly income:', history.data.incomePattern.averageMonthlyIncome / 100);
console.log('Total credits:', history.data.totalCredits / 100);

// 3. Get spending habits for risk profiling
const habits = await getFinancialHabits({
  customerId: '22123456789',
  idType: 'BVN',
  period: 6,
  consent: true,
});

console.log('Risk score:', habits.data.riskScore);
console.log('Top spending:', habits.data.spendingCategories[0]);

Data Privacy & Compliance

1. Customer consent is mandatory — Always set consent: true only after explicit consent
2. NDPR compliance — Follow Nigeria Data Protection Regulation
3. Data minimization — Only request data you actually need
4. Secure storage — Encrypt all customer insight data at rest
5. Access logging — Log all data access for audit trails
6. Data retention — Implement retention policies per regulatory requirements
7. Right to erasure — Honor customer requests to delete their data