AI-powered 6-layer behavioral analysis that predicts financial behavior from Week 1. No historical data needed.
One API call to get F_scores, persona classification, and financial forecasts.
curl -X POST https://api.sonaqor.com/v1/users/analyze \
-H "X-API-Key: sk_live_abc123..." \
-H "Content-Type: application/json" \
-d '{
"user_id": "user_12345",
"transactions": [
{
"date": "2025-10-15",
"amount": -5000,
"category": "groceries",
"merchant": "Shoprite Lagos"
},
{
"date": "2025-10-16",
"amount": -15000,
"category": "transport",
"merchant": "Uber"
}
]
}'{
"user_id": "user_12345",
"f_score": {
"overall": 72.5,
"cognitive": 68.2,
"behavioral": 75.8,
"emotional": 71.3,
"demographic": 78.9,
"economic": 69.1,
"composition": 72.5
},
"persona": {
"id": "persona_young_professional_lagos",
"name": "Young Professional - Lagos",
"confidence": 0.89,
"characteristics": [
"High spend variability",
"Tech-savvy digital payments",
"Frequent transport usage",
"Weekend social spending"
]
},
"forecast": {
"next_30_days": {
"expected_spend": 145000,
"confidence_interval": [
120000,
170000
],
"risk_score": 0.23
}
},
"insights": [
"User shows stable income pattern",
"Spending aligns with persona norms",
"No anomalies detected"
],
"processing_time_ms": 145
}Complete coverage across all major Nigerian banks with industry-leading accuracy and speed
Analyzed 82 transactions over 90 days • Generated in 1.8 seconds
Our AI analyzes user behavior across six fundamental dimensions, creating a comprehensive psychological and financial profile that predicts future actions with unprecedented accuracy.
Get immediate insights into spending patterns, savings behavior, and financial wellness. Our AI processes thousands of data points in milliseconds.
Our advanced anomaly detection identifies unusual patterns and behaviors that could indicate fraud, account takeover, or other security threats.
From lending platforms to wealth management, behavioral intelligence powers better financial decisions.
Understand user financial behavior from day one. Provide personalized insights, savings recommendations, and spending analytics tailored to each user's unique behavioral profile.
Personalize product recommendations based on spending patterns and financial cravings. Match each user with the right products at the right time.
Deliver investment advice that resonates with behavioral profiles. Match strategies to psychological preferences for better outcomes and higher AUM.
Join leading fintechs leveraging behavioral intelligence to make better decisions.
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