The document is an affordability report that analyzes an individual's financial accounts and transactions over a 6 month period. It summarizes key metrics related to the individual's income sources, government benefits, financial commitments, expenses, risk factors, and identifies any missing information. Charts are provided to visualize spending and transaction trends over time for different expense categories. The report aims to assess the individual's overall financial situation and affordability.

1. Report Highlights
A!ordability API and Report

2. A!ordability Report
DATA CONNECTIONS
Westpac
Mr David Baller
15 Bendigo Drive, Cartwright NSW
ING Bank
Mr David & Susan Baller
15 Bendigo Drive, Cartwright NSW
Centrelink
Mr David Baller
U5/10 Smith Place, Dee Why NSW
02. METRICS
REPORT
ID
#1391-2AOP-8173
Period
Jan 2022 - June 2022
Created
2022-06-18 4:25pm
$8,107
SUMMARY
Avg. monthly credits
$7,537
Avg. monthly debits
ACCOUNT
9001 Keycard Account
TOTAL
5555 Debit Account
6001 Credit Card
01. ACCOUNTS
AVAILABLE
$34
$2,309
BALANCE
$636
$2,309
-$2,625
($2,343 Less Credit) $4,718 $320
TYPE
Transaction
Credit Card
Transaction
$2,375
ID DESCRIPTION VALUE
Income Sources
ME001 # of identified income sources 4
ME002 Average monthly amount from salary $7,228
ME003 Income has been stable for (months) 5
ME004 Other possible income $266
Government Services
ME005 Youth Allowance monthly $125
ME006 Rental Assistance monthly $0
Financial Commitments
ME008 Average monthly amount - $2,553
ME009 # of identified companies 8
ME010 Total credit card limit $5,000
ME011 Total credit card balance - $2,625
Expenses
ME012 Monthly spend on non-discretionary expenses (inc. liabilities) - $3,851
ME013 % of spend on non-discretionary expenses 26.2%
ME014 Monthly spend on discretionary expenses - $2,632
ME015 % of spend on discretionary expenses 53.1%
ME016 Monthly spend on other expenses - $1,054
Risk Metrics
ME017 # of SACC loans 3
ME018 % of income withdrawn via ATM 6.1%
ME019 # of financial dishonours 3
ME020 % of income spent on High Risk Merchants 12.4%
ME021 Total spend on High Risk Merchants - $3,690
Risk Flags
ME022 Has recent changes to income circumstances Yes
ME023 Has received crisis support payments No
ME024 Has superannuation credits No
ME025 Has cash advances Yes
ME026 Has redraws Yes
ME027 Has High-Cost Finance Yes
ME028 Missing non-discretionary expenses: groceries No
ME029 Missing non-discretionary expenses: telecommunication Yes
ME030 Missing non-discretionary expenses: utilities No
ME007 Misc Government services monthly $488
When generating an
a!ordability report the user is
able to select the accounts and
reporting period to be
analysed.
This provides the ability to
analyse the required periods
and exclude irrelevant
accounts.
A average of all credits and
debits received across the
selected accounts within the
reporting period.
List of the institutions that the
individual connected when
applying for the loan.
This list also returns the
personal / identity details held
by the connected institution.
This information is vital for
ensuring that the data belongs
to the individual.
Lists all of the accounts that
are analysed as part of the
report. The accounts also
include up to date account
balances.
These metrics help identify
whether the individual has
shared all of their accounts.
Summary of risk metrics to be
considered when making
lending decision.
Highlights the key expense
metrics of and how expenses
relate to income.
Summary of Government
Service metrics.
Summary of Financial
Commitment metrics. This
includes relationships the
individual has with other
lenders.
Summary of vital income
metrics required to analyse
income sources.
Basiq supports over 50 metrics
with the ability to create your
own to align with your credit
policies.
Vital risk flag metrics that help
identify further investigations.
Page 01

3. 03. Income
Salary
ACCOUNT DESCRIPTION AVG. MONTH % OF TOTAL
9001 Keycard Account HARVEY NORMAN SALARY $4,858
⟨
9001 Keycard Account APOLLO HOSPITALITY PAY $1,770
⟨
DATE DESCRIPTION AMOUNT
CLASS
22-06-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000018 SALARY $1,598.05
67%
24%
This income regularly arrives every fortnight and has been occurring for at least 70 days. The payments fluctuate between $512.05 and $1,598.05, with
an average of $885.21. The next payment should arrive on the 6th of July (in 12 days).
TOTAL: $32,390 ($7,228 per month)
5555 Keycard Account CLUEY LEARNING $240
⟨
3%
SEE MORE ▾
9001 Keycard Account UBER EATS $360
⟨
5%
06-06-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000019 SALARY $556.77
25-05-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000020 SALARY $512.05
11-05-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000021 SALARY $603.50
27-04-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000022 SALARY $1,320.37
13-04-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000023 SALARY $720.53
Benefits
ACCOUNT DESCRIPTION AVG. MONTH % OF MONTH
9001 Keycard Account CENTRELINK $392
⟨
64%
TOTAL: $2,839 ($613 per month)
5555 Keycard Account MEDICARE BENEFIT $96
⟨
16%
9001 Keycard Account YOUTH ALLOWANCE $125
⟨
20%
Other Income
ACCOUNT DESCRIPTION AVG. MONTH % OF TOTAL
9001 Keycard Account MUM ALLOWANCE $180
⟨
68%
TOTAL: $798 ($266 per month)
5555 Keycard Account SUSAN J $86
⟨
32%
Not found: Insurance Credits, Interest Income, Rent & Board Income, Child Support Income, Investment Income, Superannuation Credits, Tax Credits and
Other Earnings.
04. Possible Risks
High Risk Merchants
CATEGORY AVG. MONTH % OF TOTAL
ATM Withdrawals $480
⟨
49%
TOTAL: $3,690 ($971 per month)
Cash Advances $90
⟨
9%
Gambling $312
⟨
32%
Dishonours $64
⟨
7%
Redraws $25
⟨
3%
Not found: Debt Interest Accrual.
# TX
8
4
12
# TX
11
2
# TX
5
3
8
# TX
16
27
6
3
1
6
This section lists all of the
identified income sources.
Salary sources are credits
received from external sources
with repeatability.
Using banking data to identify
income helps reduce fraud
(typically associated with
payslips) as the data is sourced
directly from the financial
institution.
Each item can be expanded to
show the list of transactions
that occurred within the
reporting period.
Once expanded the report
summarises the the frequency
and averages using natural
language summaries.
These attributes provide
valuable insights for each item:
the number of transactions
that occurred within the
reporting period, the average
amount (debit or credit) per
month and the percentage
make up within the group.
Section Name
Shows the total summed
amount of debits and credits
within the group along with the
average monthly amount.
The list of identified benefits
received by the individual.
These are typically Government
services related benefits.
Basiq also supports Centrelink
direct connectivity to retrieve
income statements and other
summaries.
Summarises the list of
transactions that are
considered as high risk
merchants.
These can be configured within
the report to correspond to
your own specific policies.
You can expand the list of
items to see more categories
within the Group.
Group Name
This group includes income
items that do not qualify as
Salary or Benefits.
Every section identifies groups
that were not found.
Page 02

4. 05. Liabilities
Collection Agencies
AVG. MONTH % OF TOTAL
- $430
⟨
67%
TOTAL: -$1,929 (-$643 per month)
DESCRIPTION
COLLECTION HOUSE
CCSG COLLECT - $213
⟨
33%
Small Amount Lending
AVG. MONTH % OF TOTAL
- $340
⟨
- $253
⟨
DATE DESCRIPTION AMOUNT
CLASS
08-06-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC - $700.00
42%
31%
This expense regularly occurs each month and has been active for at least 136 days. The payments fluctuate between -$20.00 and -$700.00, with an
average of -$253. The next payment should occur on the 12th of July (in 34 days).
TOTAL: -$3,330 (-$813 per month)
DESCRIPTION
FUNDO
SUNSHINE LOANS
WAGETAP - $220
⟨
27%
21-05-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC - $20.00
12-03-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC - $176.00
09-02-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC - $184.80
25-01-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC - $184.80
Other Finance
Not found: Insolvency, Lease & Rental, Motor Finance and Peer to Peer Finance.
AVG. MONTH % OF TOTAL
- $360
⟨
33%
TOTAL: -$3,291 (-$1,097 per month)
- $225
⟨
21%
- $312
⟨
28%
DESCRIPTION
ZIP PAY
BEFOREPAY
AFTERPAY
MY PAY NOW - $200
⟨
18%
-$253
Average
per month
Jan 2022 - Jun 2022
Transaction Period
-$1,265
Total -$20 Min
-$700 Max 5
No of Transactions
136 days
Duration
-$253 in 34 days
Next Transaction
Month
Debits Credits
02-01-2022 DIRECT CREDIT 127399 SUNSHINE LOANS 0182837193183917 SACC $950.00
# TX
4
2
# TX
9
11
# TX
14
5
4
7
6
Group Sunshine Loans
Every group within the report
can be presented visually by
activating the chart view.
This view provides a summary
of the key attributes to help
better understand the
individuals financial
circumstances.
Lists the identified collection
agencies that the individual
was paying for during the
reporting period.
You cal filter by the group or
any of the items within the
group to drill down further.
Toggle the chart view on or o!.
Transaction activities can be
viewed by daily, weekly,
monthly or quarterly.
This chart shows the summary
of debit / credit transactions.
This chart is useful for visually
seeing trends over time in
respect to the selected group
or item.
The report tries to predict the
next likely date and amount of
the selected item.
Shows the sum of all
transactions within the
reporting period and the
smallest and largest amount..
Shows the list of identified
Small Amount Credit Providers
(SACC).
Each item also provides a
natural language summary
that defines the nature of each
expenditure.
Lists of all the transactions that
belong to the selected item.
These transactions are sorted
in date descending order to
show the most recent
transaction at the top of the
list.
The total shows the sum of all
debits and credits for the
selected group along with the
normalised monthly average.
Shows the list of alternative
financial services such as BNPL
and early wage access
services.
Each item can be expanded to
see the list of transactions.
This can help determine
whether the items is still
ongoing or has lapsed.
Shows the list of liability
services that were not
discovered.
Page 03

5. 06. Expenses
Non-Discretionary Expenses
Discretionary Expenses
CATEGORY AVG. MONTH % OF TOTAL
Dining Out - $692
⟨
26%
TOTAL: -$13,160 (-$2,632 per month)
Department Stores - $370
⟨
14%
Online Retail - $546
⟨
21%
Gambling - $312
⟨
8%
Uncategorised Debits - $164
⟨
6%
Entertainment - $140
⟨
5%
Personal Care - $128
⟨
5%
Retail - $133
⟨
5%
Vehicles and Transport - $115
⟨
4%
Travel - $70
⟨
3%
Subscription Services - $46
⟨
2%
Health - $15
⟨
1%
Other Expenses
CATEGORY AVG. MONTH % OF TOTAL
ATM Withdrawals - $420
⟨
40%
TOTAL: -$3,581 (-$1,054 per month)
Third Party Payment Providers - $220
⟨
21%
External Transfers - $260
⟨
25%
Cash Advances - $90
⟨
9%
Dishonours - $64
⟨
6%
Not found: Telecommunication, Education and Childcare and Insurance.
Not found: Automotive, Children's Retail, Donations, Gyms and memberships, Government & Council Services, Home Improvement, Pet Care and Subscription
TV.
Not found: Returns & Refunds
CATEGORY AVG. MONTH % OF TOTAL
TOTAL: -$6,490 (-$1,298 per month)
Groceries - $169
⟨
8%
Utilities - $275
⟨
21%
- $854
⟨
DATE DESCRIPTION AMOUNT
CLASS
10-06-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 RENT - $854
66%
This expense regularly occurs every fortnight and has been active for at least 87 days. The payments are consistently -$854. The next payment should
occur on the 24th of June (in 14 days).
RENT
26-05-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 RENT - $854
12-05-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 RENT - $854
29-04-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 RENT - $854
15-03-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 RENT - $854
# TX
# TX
# TX
5
9
5
81
39
21
27
28
32
41
12
24
18
46
6
16
32
18
6
3
This section provides a
summary of the individuals
expenses within the selected
reporting period.
Each item has a percentage of
total shown to help understand
the portion of expenditure
within other items in the group.
This helps identify where the
majority of the expenditure
occurs within the selected
group.
Some of these items appear in
the Possible Risk section of the
report - as they are deemed to
exhibit risky behaviour.
Shows all of the non-
discretionary expenses incurred
by the individual. Note that
liabilities are organised are
presented earlier.
Shows the list of non-
discretionary expenses that
were not located.
Shows the list of discretionary
expenses incurred by the
individual.
Each item also the number of
transactions that occurred -
this is a good indicator whether
it was a one-o! expense or
happens regularly.
Items are sorted in descending
order based on average
monthly spend, with the highest
value items at the top of the
list.
Shows the list of expenses
incurred that relate to
movement of funds. This
includes activities such as
external transfer, atm
withdrawals and others.
Every transaction within the
report is hyperlinked to the
Transaction list.
Selecting an item will navigate
to the specific transactions
showing when the transaction
occurred and what happened
prior and after the transaction
occurring.
Categories are configurable via
the Basiq dashboard. This
enables you to configure your
own native categories you may
be used to.
Page 04

6. 07. Transactions
DATE DESCRIPTION BALANCE
CLASS
06-06-2022 WOOLWORTHS 57 KING ST SANDY BAY Groceries 890.39
06-06-2022 TRANSFER FROM APOLLO HOSPITALITY PAY 0000019 Wages $1,447.16
08-06-2022 CHEMIST WAREHOUSE MOONAH Health $1,395.18
08-06-2022 TRANSFER TO SUNSHINE LOANS COMMBANK APP 127399 SACC $695.18
08-06-2022 HOBART CITY COUNCIL HOBART Council Services $693.18
AMOUNT
-$28.95
$556.77
-$51.98
-$700.00
-$2.00
+ Add Filter
Jan 22 Jun 22
Feb 22 Mar 22 Apr 22 May 22
$0
$2,500
$5,000
$7,500
$10,000
08-06-2022 CAMBRIDGE KITCHEN CAMBRIDGE Dining Out $679.38
08-06-2022 CRISP N SWEET CLAREMONT Dining Out $669.78
08-06-2022 WOOLWORTHS NEWTOWN Groceries $661.78
09-06-2022 CIRCLE OF LIFE DOU HOBART AU Dining Out $650.28
09-06-2022 PAYMENT FROM MRS BRENDA-LEE KARLY SMITH ticket money Transfer $830.28
-$13.80
-$9.60
-$8.00
-$11.50
$180.00
09-06-2022 AURORA ENERGY HOBART Utilities $790.28
10-06-2022 TRANSFER FUNDO LEND CREDIT SACC $1,690.28
10-06-2022 BPAY BILL PAYMENT - RECEIPT 433410 TO DEFT RENT 0022791920 Rent $836.28
13-06-2022 DEPOSIT SALVOS NEWTOWN Retail $864.28
13-06-2022 UBER *EATS SYDNEY Dining Out $913.33
-$40.00
$900.00
-$854.00
$28.00
$49.05
13-06-2022 AMPOL HOBART SOUTH SOUTH HOBART Vehicles and Transport $811.35
13-06-2022 CAREFLIGHT NSW LIMITED NORTHMEAD Health $801.35
13-06-2022 OPEN COLLEGES STRAWBERRY HI Education $789.35
13-06-2022 HOBART CITY COUNCIL HOBART Council Services $785.35
13-06-2022 NEW TOWN PHARMACY NEW TOWN Health $731.75
-$101.98
-$10.00
-$12.00
-$4.00
-$53.60
13-06-2022 NUTRITION & BEAUTY AUS HOBART Personal Care $692.75
13-06-2022 OPTUS PREPAID MELBOURNE Telecommunications $632.75
13-06-2022 SALVOS NEW TOWN NEW TOWN Retail $569.45
13-06-2022 TICKETEK PTY LTD WEB SYDNEY Entertainment $295.75
14-06-2022 LENAH VALLEY NEWSAGENT TAS AU Retail $262.65
-$39.00
-$60.00
-$63.30
-$273.70
-$33.10
Risks
Wages
Key Activities:
3
2
1
⟨ Prev Next
⟨
Last 30 days Account ING Debit Category All Transactions Show Debits
Total Balance
Transactions List
FILTER RESULTS: Clear Filters
This section lists all of the
transactions that were used to
produce the a!ordability
report. The transaction list can be
filtered by many parameters to
help drill down into specific
activities.
The total balance chart shows
the fluctuation of the
individuals cashflow balance
over the reporting period.
This helps identify the lowest
and highest points, enabling
you to better understand where
further investigation may need
to be conducted.
The balance chart has markers
that identify key activities such
as when wages arrived and
when activities deemed “risky”
occurred.
This table lists all of the
transactions based on the
defined filters above.
Additionally each transaction
also includes the specific
classification, amount and the
balance within the account
(where the transaction took
place).
The balance is an important
factor to consider as it helps
identify the context of the
financial accounts when the
transaction occurred.
Some transactions are marked
with a green or red icon to
denote key activities.
The transaction table can be
sorted by the various columns
that appear within the table.
Page 05