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The ATM label identifies SMS where a user has withdrawn or deposited cash or electronic funds from an ATM.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
Financial
The Financial label identifies transactions with entities providing financial services such as credit merchants, insurance companies, SACCOs or other similar service providers.
Credit
The Credit label identifies transactions with Credit institutions or merchants such as Zash Loan, Sterling Credit, etc.
Insurance
The Insurance label identifies transactions with Insurance companies or merchants.
SACCO
The SACCO label identifies transactions with Savings and Credit Cooperatives (SACCO) or credit unions.
Food
The Food label identifies transactions where the recipients can either be bars/restaurants, caterers, food processors/distributors, food stores or wine/spirit merchants.
BarAndRestaurant
The BarAndRestaurant label identifies transactions at bars or restaurants.
Catering
The Catering label identifies transactions with catering services or merchants.
FoodProcessorAndDistributor
The FoodProcessorAndDistributor label identifies transactions with merchants like mills/millers, dairy factories where the food is either processed or gets distributed or both.
FoodStore
The FoodStore label identifies transactions with entities like grocery stores, meat shops, bakeries, dairy shops.
WineAndSpirit
The WineAndSpirit label identifies transactions with wine/liquor stores.
Health
The Health label identifies transactions with businesses or organizations in the health industry like hospitals, pharmacies or other specialist services.
Hospital
The Hospital label identifies transactions with hospitals, healthcare services or medical centers.
Pharmacy
The Pharmacy label identifies transactions with chemists or pharmacies.
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
BuyGoods
The BuyGoods 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 BuyGoods 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.
PublicInstitutions
The PublicInstitutions label identifies transactions with entities like charities, places of worship (church), government/county organizations or schools/colleges.
Charity
The Charity label identifies transactions with non-profit organizations or charities.
Church
The Church label identifies transactions with places of worship like cathedrals, chapels or churches.
Government
The Government label identifies transactions with government agencies or organizations.
School
The School label identifies transactions with educational institutions such as schools, colleges or universities.
Shopping
The Shopping label identifies transactions with entities like clothing/fashion businesses, e-commerce platforms, retail stores, supermarkets, wholesale businesses/distributors or businesses in the entertainment industry (including subscriptions for services).
ClothingAndFashion
The ClothingAndFashion label identifies transactions with businesses in the clothing/apparel or fashion industries, including beauty/hair salons.
EcommercePlatform
The EcommercePlatform label identifies transactions with e-commerce companies.
EntertainmentAndSubscription
The EntertainmentAndSubscription label identifies transactions with platforms such as Google Play Store, which offer subscription based services. This label also identifies transactions with institutions in the entertainment industry such as resorts, movie theaters, etc.
ProfessionalService
The ProfessionalService label identifies transactions with service oriented businesses. This includes services ranging from mobile phone repairs to automobile servicing/repairs, car wash businesses, etc.
RetailStore
The RetailStore label identifies transactions with brick and mortar retail stores.
Supermarket
The Supermarket label identifies transactions with a wide range of supermarkets.
WholesaleAndDistribution
The WholesaleAndDistribution label identifies transactions with distributors, trading companies and wholesalers.
TransportationAndTravel
The TransportationAndTravel label identifies transactions with businesses or organizations in the travel and transport sector. This includes airlines, airports, hotels, petrol stations, parking garages, etc.
Airfare
The Airfare label identifies transactions with airports or airlines.
Hotel
The Hotel label identifies transactions with places that offer boarding and lodging services - like bed-and-breakfasts and hotels.
Logistics
The Logistics label identifies transactions with entities ranging from packers/movers, freighters, courier centers, cargo companies to expressways, shuttle services and railway corporations.
Parking
The Parking label identifies transactions with parking garages or paid parking spots in places like shopping malls.
PetrolStation
The PetrolStation label identifies transactions with a wide range of companies that have petrol stations/pumps.
Utilities
The Utilities label identifies transactions that deal with utilities such as electricity, water, internet and airtime.
Airtime
The Airtime label identifies transactions related to airtime or mobile data.
Energy
The Energy label identifies transactions with businesses or organizations in the energy sector. This includes gasolene companies, electricity companies, solar companies, etc.
Housing
The Housing label identifies transactions with real-estate or property merchants.
Internet
The Internet label identifies transactions with home/office internet services.
Water
The Water label identifies transactions with water, sewage and/or sanitation services including water vending stations.