Skip To Content
Report: an Inside look at Open Banking
Get started

Insights

Uncover valuable
insights from data

While accessing data is a crucial step in developing a financial application, extracting insights from it is what truly unlocks its value. With Basiq's comprehensive data overlay services, you can harness the power of data and focus on delivering value to your end users.

Used by innovative organisations

Gain a deeper understanding of your customers

  • Affordability

  • Expenses

  • Income

  • Liabilities

  • Assets

  • Affordability

    Complete picture of your customer’s financial position based on expenses, income, liabilities and assets.

  • Expenses

    Generate a view of spend behaviour through an aggregated list of expenses with expense categorisation.

  • Income

    Instantly identify income sources and get a complete view of income across all connected accounts.

  • Liabilities

    Gain insight into a user’s liabilities across mortgages, loans, credit cards and other financial instruments.

  • Assets

    Generate a snapshot of a user’s assets across banks, superannuation funds and other financial institutions.

  • Uncover a complete financial picture of your customer

    Gain a deeper understanding of the true nature of transactions, financial commitments, income sources, expenditure categories, and much more.

    Utilise these insights to help streamline credit decisions, provide personal financial management tools, and onboard tenants for property leasing.

    Learn more
    • Home loan
    • Mortgage balance
      -$829,662.18
    • Minimum repayment
      $7,329.19
    • Credit Card
    • Outstanding balance
      -$8,632
    • Monthly repayment
      -$2,000

  • Configure insights
    that you need

    We understand that different businesses require different data points for their specific use case. To provide greater flexibility in accessing insights, we have curated a library of more than 300 attributes and metrics that can be used to generate customised reports according to your unique requirements.

    Learn more
    Upcoming Bills
    • Electricity
      $131.94
    • Gas
      $148.83
    • Subscriptions
      $131.94
    • Mobile & Internet
      $214.49
    Balance

    $2,931

    Bills
    $721
    Subscriptions
    $82
    Leisure
    $439
    Transport
    $651
    Food
    $281

  • Unmatched depth with Data enrichment

    Obtain enriched transaction details such as merchant, location, and category of each expense transaction. Accurately categorise living expenses into more than 500 categories based on ANZSIC classifications to gain a comprehensive understanding of spend behaviour.

    Learn more
    Dining out
    Fishbowl

    $12.99

    Shop 1/39 The Corso,

    Manly NSW 2095

    Entertainment
    Archie Brothers

    $29.99

    75 O'Riordan St,

    Alexandria NSW 2015

    Retail
    JB HI-FI

    $49.90

    Shop 56, 720 Victoria St,

    Richmond VIC 3121

Uncover a complete financial picture of your customer

Gain a deeper understanding of the true nature of transactions, financial commitments, income sources, expenditure categories, and much more.

Utilise these insights to help streamline credit decisions, provide personal financial management tools, and onboard tenants for property leasing.

Bank statements

Empowering faster & compliant lending decisions.

Complementing our insights solution, bank statements provide a seamless and efficient way to generate compliant statements that can be shared with banks for lending approvals. Featuring customisable date ranges, logical running balance, institution branding and more, to optimise lending approvals.
Get Started

Unlock Insights with ease using the Basiq Dashboard

Seamlessly access insights and generate reports without having to implement
code by using the Basiq Dashboard

Get Started

What can you do?

Securely view your
consumers’ financials

Generate reports of your
consumers’ financial data

Refresh customer data
in real-time

Create reports on consumer
affordability

Consolidated reporting across
multiple bank accounts

Export reports as
PDF or CSV

Access a library of data points,
groups and metrics

View enrich transaction details,
including merchant location & more

Access 12+ months of transaction
data by connecting accounts

Insights use cases

Build your application

Lending

Accelerate approval times, increase conversion rates and provide seamless customer experiences.

Learn more
Buy Now, Pay Later

Get a better understanding of users by using financial data and insights for onboarding and personalise offerings to optimise conversions.

Learn more
Personal Financial Management

Generate a comprehensive view of a customer’s finances by connecting to multiple financial institutions to provide personal finance management tools and services.

Learn more

Built for developers

Get a head start with our developer guides, and make your first call to our APIs within a few minutes. Simple to use, RESTful, and fully documented APIs that help you integrate seamlessly with your application. Our intuitive sandbox allows you to test your apps before going live.

Get started

{
curl --request POST \
     --url https://au-api.basiq.io/reports \
     --header 'accept: application/json' \
     --header 'authorization: Bearer {token}' \
     --header 'content-type: application/json' \
     --data '
{
  "reportType": "CON_AFFOR_01",
  "title": "John Smith Affordability Report 2022-03-26",
  "filters": [
    {
     "name": "fromDate",
     "value": "2022-01-01"
    },
    {
     "name": "toDate",
     "value": "2023-01-01"
    },
    {
     "name": "accounts",
     "value": [
     "ag829sj",
     "aj82gka"
      ]
    },
    {
      "name": "users",
      "value": [
     "272af9fa-0f4a-44dc-bf88-a63bec2d0662"
      ]
    }
  ]
}

{
"type": "job",
  "id": "b1824ad0-73f1-0138-3700-0a58a9feac09",
  "links": {
    "self": "https://au-api.basiq.io/jobs/b1824ad0-73f1-0138-3700-0a58a9feac09"
}

Explore API reference

Developer quick start guides

Everything you need to successfully integrate with the Basiq API.

Learn more

Other Products

Data

Access data feeds from banks & other financial institutions, super funds and energy providers with account information and detailed transaction history to gain a deeper understanding of your end users.

Learn more
Data Holder

Meet requirements of the CDR with a comprehensive data holder solution encompassing authorisation, compliance, consent management, security and ongoing reporting.

Learn more