Operation keyword: insights-risk
Risk product identifies high-risk behaviours and risk-related data points.
The product generates data points that can be used to perform deeper credit assessment or automated customer screening. The risk product is sectioned in 8 objects where each object holds descriptive statistics for risk-related categories. Data points are sectioned in 8 blocks: statement’s balance, Alimony Payments, Bailiffs, Cash, Debt collection, dishonours, gambling and loan fines.
For more advanced use-cases, Nordigen provides other risk-related data points as part of its Credit Scoring product for Enterprise users.
To use this product via API, see the Endpoints section "report" and go through the following steps:
When sending apply operation insights-loans it can be customised with params argument:
{
"data":{
"attributes":{
"insights":{
"insights-risk":{
"alimony_payments":{
"average_count_a_month":null,
"average_sum_a_month":null
},
"bailiffs":{
"average_count_a_month":null,
"average_sum_a_month":null
},
"balance":{
"calendar_month_end_balance":900.00,
"calendar_month_start_balance":500.00,
"net_cash_flow":400.00,
"statement_end_balance":1000.00,
"statement_start_balance":500.00
},
"cash":{
"average_count_of_cash_deposit_a_month":2.00,
"average_count_of_cash_withdrawal_a_month":5.00,
"average_sum_of_cash_deposit_a_month":50.00,
"average_sum_of_cash_withdrawal_a_month":150.00,
"cash_deposit_monthly_trend":-0.05,
"cash_deposit_to_income":0.03,
"cash_withdrawal_monthly_trend":0.20,
"cash_withdrawal_to_expenses":0.40,
"cash_withdrawal_to_income":0.09,
"stable_monthly_cash_deposits":false
},
"debt_collection":{
"average_count_a_month":null,
"average_sum_a_month":null
},
"dishonours":{
"average_count_a_month":null,
"average_sum_a_month":null
},
"gambling":{
"average_count_a_month":null,
"average_sum_a_month":null,
"days_since_last_transaction":null,
"gambling_to_all_expenses":0,
"monthly_regularity_of_gambling":null,
"ratio_of_casino":null,
"ratio_of_lottery":null,
"ratio_of_sports_betting":null
},
"loan_fines":{
"average_count_a_month":null,
"average_sum_a_month":null
}
}
},
"status":"completed"
},
"type":"report processing status"
}
}
| Key | Type | Description |
|---|---|---|
| average_count_a_month | Float | Average monthly count of the respective risk category |
| average_sum_a_month | Float | Average monthly of the respective risk category |
| calendar_month_end_balance | Float | End balance of the subsetted calendar months |
| calendar_month_start_balance | Float | Start balance of the subsetted calendar months |
| net_cash_flow | Float | difference between cash inflow and outflow, excluding statement’s start balance |
| statement_end_balance | Float | End balance of the uploaded statement. Extracted from the statement's meta-data |
| statement_start_balance | Float | Start balance of the uploaded statement. Extracted from the statement's meta-data. |
| average_count_of_cash_deposit_a_month | Float | Average monthly count of cash deposit category |
| average_count_of_cash_withdrawal_a_month | Float | Average monthly count of cash withdrawal category |
| average_sum_of_cash_deposit_a_month | Float | Average monthly amount of cash deposit category |
| average_sum_of_cash_withdrawal_a_month | Float | Average monthly amount of cash withdrawal category |
| cash_deposit_monthly_trend | Float | Monthly trend of cash deposits. Defined as slope of linear approximation of cash deposit amounts |
| withdrawal_to_expenses | Float | The amount ratio of the cash withdrawals to all expenses |
| cash_deposit_to_income | Boolean | Amount ratio of the cash deposits to all income |
| cash_withdrawal_monthly_trend | Float | Monthly trend of cash withdrawals. Defined as slope of linear approximation of cash withdrawal amounts. |
| cash_withdrawal_to_expenses | Float | Amount ratio of the cash withdrawals to all expenses |
| cash_withdrawal_to_income | Float | Amount ratio of the cash withdrawals to all income |
| stable_monthly_cash_deposits | Boolean | Indicator of whether monthly cash deposit amounts are stable |
| days_since_last_transaction | Integer | Count of days since the last gambling expenses |
| gambling_to_all_expenses | Float | Amount ratio of the gambling expenses to all expenses |
| monthly_regularity_of_gambling | Float | monthly regularity of the gambling expenses. Float is in interval [0,1], where 1 represents perfect regularity - gambling expenses made every month. |
| ratio_of_casino | Float | Amount ratio of the casino expenses to all gambling expenses |
| ratio_of_lottery | Float | Amount ratio of the lottery expenses to all gambling expenses |
| ratio_of_sports_betting | Float | Amount ratio of the sports betting expenses to all gambling expenses |
| status | String | Processing record state |
| type | String | Redundant field, it will be removed in the next iteration |