Introduction
The following data objects currently have a labels field:
- Transactions (see Anatomy of a Transaction )
- Balances (see Anatomy of a Balance )
- Alerts (see Anatomy of an Alert )
Labels provide context on a record, and are useful for segmentation and user behavioral analysis.
Quick Reference
Glossary
The following table itemizes Pngme's global labels, with their definitions.
Behavioral Labels
BettingAndLottery
The BettingAndLottery label identifies events associated with gambling behavior.
Depository Account Labels
ATM
The ATM label identifies SMS where a user has withdrawn or deposited cash or electronic funds from an ATM.
AirtimePurchase
The AirtimePurchase label identifies events where a user has purchased airtime or data from a mobile provider
InsufficientFunds
The InsufficientFunds label identifies events signaling that a debit transaction could not be completed because the user has insufficient funds in the depository account
Overdraft
The Overdraft label identifies transaction events on depository accounts that cause a negative balance
POS
The POS label identifies SMS that are related to point-of-sale transactions, including point-of-sale purchases, refunds for point-of-sale purchases, electronic point-of-sale transactions, web payments, point-of-sale bank transfers, and point-of-sale ATM transactions.
Loan Account Labels
LoanApproved
The LoanApproved label identifies events where a user’s loan has been approved by the institution.
LoanDeclined
The LoanDeclined label identifies events where a user’s loan application has been declined by the institution.
LoanDefaulted
The LoanDefaulted label identifies events where a user has defaulted on a loan, and events where a user has been reported to the credit bureau due to outstanding debts.
LoanDisbursed
The LoanDisbursed label identifies events where the institution has transferred funds (in one or more transactions) to a user's depository account(s).
LoanMissedPayment
The LoanMissedPayment label identifies events where a user has missed the scheduled payment date for a loan.
LoanRepaid
The LoanRepaid label identifies events where a user has fully repaid a loan.
LoanRepayment
The LoanRepayment label identifies events where a user has made a loan payment to the institution.
LoanRepaymentReminder
The LoanRepaymentReminder label identifies events where the institution reminds the user of an upcoming loan payment.
NewLoanOffer
The NewLoanOffer label identifies events where a new loan is offered to a user. It is sometimes observed as a targeted advertisement to a user.
OtherLoanOffer
The OtherLoanOffer label identifies all loan offer-related events that don't qualify as a new loan offer. For example, a follow-up or continuation loan offer.
M-Pesa specific labels
P2P
The P2P label identifies SMS where peer-to-peer transactions occur, involving fund transfers between individuals, and making use of M-Pesa's Send Money service
Paybill
The Paybill label identifies SMS where payments between 2 parties occur, where one of them is either a bank or a merchant, and the payments make use of M-Pesa's Paybill service.
Under depository