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[USER STORY] Read transactions for credit risk analytics #7

Open data-david opened 5 years ago

data-david commented 5 years ago

As a: bank I wish to: Read trasactions So that: I can perform acredit risk analytics

Relatert til epos: Informasjonsforvaltning/behov#301

Lenke til design: Lenke til løsningsarkitektur:

MadsBDamgaard commented 5 years ago

Is the below text way too much info for the current purpose? User Story 2: Credit Assessment

User Aim: A Credit Assessor from Bank X wants to evaluate the risk of offering a company credit. This is done by reading/querying the company about a number of financial figures relating to that company’s production and consumption during the very latest period (e.g. during the last three months), in some cases with the aim of comparing the latest period to the same period in other years, or comparing to financial statements from recent years.

User Story, details (from end user point of view)

Credit Assessor queries API about the aggregated figures for the company’s accounts for a determinate period. The accounts queried are those also found on annual financial statements, so that the assessor can calculate the trends: GrossProfit ProfitLoss from ordinary operating activities Distributions Assets (intangible, etc) Property, plant, equipment, Inventories Equity Cash Liabilities provisions A complete list is defined by the actual testing organization. Suggestions: P. 32 in https://drive.google.com/drive/folders/1qDnu241X-LcBy4aaTpgGKJZaPEM7CArr

  1. API outputs a XBRL file

  2. Credit assessor loads the XBRL file in his credit assessment system

ekoskent commented 5 years ago

The quering may also be done by a separate micro service rather than the API (query API creation is not prio 1). Some notes about the data available through the invoices bank statements in relation to the data needs mentioned above: GrossProfit - can be done ProfitLoss from ordinary operating activities- can be done Distributions - what does this mean? Assets (intangible, etc) - this data we don't currently have as in list of assets but accounting entries from the current period we have. Perhaps we should create the opening balances for the balance sheet manually? Property, plant, equipment, -same applies for all of these.. Inventories Equity Cash Liabilities provisions

MadsBDamgaard commented 5 years ago

There is probably a better word for "Distribution" - something that describes the amount of money taken out by the owner or shareholders of a business. "Dividends" perhaps?

data-david commented 5 years ago

Do you agree that we move this story out of the Reference Implementation and into a separate microservice placeholder for the Credit PoC ? @MadsBDamgaard @ekoskent

MadsBDamgaard commented 5 years ago

I am not competent to assess what that means, unfortunately. (so I am not able to say anything clever about choosing not to query via API but via microservice) I guess you have a good reason to do so!

data-david commented 5 years ago

No difference. It is just a question on what you get out of the first API. I would prefer that the business logic of filtering is external to the bookkeeping. So want to split the PoC in a seperat epic.

MadsBDamgaard commented 5 years ago

good! That makes sense to me 👍

ekoskent commented 5 years ago

I agree with David to remove it as i see it's not a separate API but a micro service created for this task and using the general read entries API.