Insights: Risk

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.

Request Flow

To use this product via API, see the Endpoints section "report" and go through the following steps:

Upload the account information;
Apply operation insights-risk;
Get results.

Additional params

When sending apply operation insights-loans it can be customised with params argument:

period: the count of calendar months that should be subsetted for calculations. Default period is all available calendar months of uploaded statement.
currency: the main currency for output values. Default currency is the main currency of the statement’s country.

Response Example


{
  "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 Descriptions

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