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{
    "customer_identification": {
        "personal_information": {
            "first_name": "John",
            "last_name": "Smith",
            "dob": "1988-07-24",
            "postal_code": "m1m1m1"
        }
    },
    "flow": "apply",
    "account_type": "consumer",
    "email": "john@email.com",
    "phone_number": 1231231234,
    "address_1": "Fake 445",
    "city": "Toronto",
    "province": "ON",
    "tos_agreement": true    
}