openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Analytics Data Store API
  description: APIs for buy now pay later services with embedded Explainable AI for automated decisioning and credit offer matching. Supports interest-free and interest-bearing BNPL products with point-of-sale integration and full loan lifecycle management. Core banking agnostic and deployable on Temenos Banking Cloud.
  version: 1.0.0
  contact:
    name: Temenos Developer Support
    url: https://developer.temenos.com/
    email: api.support@temenos.com
  license:
    name: Temenos Terms of Service
    url: https://www.temenos.com/legal-information/website-terms-and-conditions/
  termsOfService: https://www.temenos.com/legal-information/website-terms-and-conditions/
servers:
- url: https://api.temenos.com/bnpl/v1
  description: Temenos BNPL API - Production
security:
- bearerAuth: []
tags:
- name: Analytics Data Store
  description: Access banking-specific analytical data from the Analytics Data Store for reporting, dashboards, and business intelligence use cases.
paths:
  /analytics/accounts:
    get:
      operationId: listAnalyticsAccounts
      summary: List Analytics Account Data
      description: Retrieve analytical account data from the ADS including balance histories, transaction volumes, and account metrics for reporting and business intelligence.
      tags:
      - Analytics Data Store
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: dateFrom
        in: query
        description: Start date for analytics period
        schema:
          type: string
          format: date
      - name: dateTo
        in: query
        description: End date for analytics period
        schema:
          type: string
          format: date
      responses:
        '200':
          description: Successful retrieval of analytics data
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/AnalyticsAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /analytics/transactions:
    get:
      operationId: listAnalyticsTransactions
      summary: List Analytics Transaction Data
      description: Retrieve analytical transaction data from the ADS for intra-day and historical transaction analysis with aggregation support.
      tags:
      - Analytics Data Store
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: dateFrom
        in: query
        description: Start date
        schema:
          type: string
          format: date
      - name: dateTo
        in: query
        description: End date
        schema:
          type: string
          format: date
      - name: accountId
        in: query
        description: Filter by account
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of transaction analytics
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/AnalyticsTransaction'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /analytics/customers:
    get:
      operationId: listAnalyticsCustomers
      summary: List Analytics Customer Data
      description: Retrieve analytical customer data including customer segmentation metrics, product holdings summaries, and relationship indicators.
      tags:
      - Analytics Data Store
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval of customer analytics
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/AnalyticsCustomer'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    AnalyticsTransaction:
      type: object
      description: Analytical transaction data
      properties:
        transactionId:
          type: string
          description: Transaction identifier
        accountId:
          type: string
          description: Account identifier
        transactionType:
          type: string
          description: Transaction type
        amount:
          type: number
          format: double
          description: Transaction amount
        currency:
          type: string
          description: Currency
        bookingDate:
          type: string
          format: date
          description: Booking date
        valueDate:
          type: string
          format: date
          description: Value date
        channel:
          type: string
          description: Originating channel
    PaginationHeader:
      type: object
      description: Pagination metadata
      properties:
        page_size:
          type: integer
          description: Records per page
        page_start:
          type: integer
          description: Starting record
        total_size:
          type: integer
          description: Total records
    AnalyticsCustomer:
      type: object
      description: Analytical customer data
      properties:
        customerId:
          type: string
          description: Customer identifier
        segment:
          type: string
          description: Customer segment
        totalProducts:
          type: integer
          description: Number of products held
        totalRelationshipValue:
          type: number
          format: double
          description: Total relationship value
        currency:
          type: string
          description: Reporting currency
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Error code
        errorMessage:
          type: string
          description: Error description
    AnalyticsAccount:
      type: object
      description: Analytical account data
      properties:
        accountId:
          type: string
          description: Account identifier
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Product identifier
        currency:
          type: string
          description: Account currency
        averageBalance:
          type: number
          format: double
          description: Average balance for period
        transactionCount:
          type: integer
          description: Transaction count for period
        totalDebits:
          type: number
          format: double
          description: Total debits for period
        totalCredits:
          type: number
          format: double
          description: Total credits for period
        status:
          type: string
          description: Account status
  responses:
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Records per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later