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Aiia PSD2 - Data Dictionary

This guide provides an overview of the data fields within the Budget Module when transaction data is fetched and mapped via Aiia (Mastercard)

Income
Normal Income	Primary, fixed income (e.g., salary payments, pension, or student grants).
Extra Income	Secondary or variable income (e.g., bonuses, holiday pay, or overtime).
Social Income	Public benefits and allowances (e.g., unemployment benefits, social security, child allowance, or housing benefits).
Total Income	Total sum of all registered income sources.

Fixed Expenses
Rent or Mortgage Costs	Rent payments, mortgages, and housing loan repayments.
Consumption Costs	Household utility costs (electricity, water, heating, and gas).
Other Housing	Additional housing costs (facility fees, property taxes, land taxes, etc.).
Total Housing Expenses	Calculated sum of all housing expenses.
Public Transport	Public transportation costs (trains, buses, metro, and transit cards).
Fees for Car/MC	Fixed vehicle costs (car insurance, road tax, vehicle leasing, or car loans).
Consumption for Car/MC	Variable vehicle usage costs (fuel, EV charging, parking, and toll fees).
Total Transportation Expenses	Calculated sum of all transportation costs
Other Fixed Costs	Recurring subscriptions and fixed services (union fees, unemployment insurance, personal insurance, phone, and internet).
Other Loan Costs	Repayments and interest on other loans (e.g., student loans or personal loans).
Total Other Fixed Expenses	Calculated sum of all other fixed expenses.

Summary & Disposable Income
Total Expenses	Total sum of all fixed expenses (Housing + Transportation + Other Fixed Expenses).
Available Amount	Calculated monthly disposable income (`Total Income` minus `Total Expenses`).

Behavioral & Risk Data
cashDeposits	Technical categorization for liquid deposits and general bank transfers received directly in the account (covers standard account-to-account transfers, not strictly physical cash).
cashWithdrawals	Physical ATM cash withdrawals as well as general liquid outgoing account transfers.
basicExpenses Incoming / Outgoing:	Refunds as well as outgoing spend on essential living necessities (groceries and basic needs).
pleasureExpenses Incoming / Outgoing:	Refunds as well as discretionary spending (restaurants, clothing, travel, hobbies, and entertainment).
gamblingIncome / gamblingExpenses	Payouts and winnings as well as spending on betting platforms, casinos, and lotteries.
consumerLoanPayouts	Disbursed loan funds received from quick-loans, personal loans, or Buy-Now-Pay-Later (BNPL) services.
mobilePay Incoming / mobilePay Outgoing	Money received or sent via MobilePay.
uncategorized Incoming / Outgoing:	Transactions that could not be automatically matched by the categorization engine.