Credit Scoring

Operation keyword for Features: features
Operation keyword for Credit Scores: credit-scores

Request Flow

To use this product via API, see the Endpoints section "report" and go through the following steps:
  1. Upload the statetment(s);
  2. Apply operations (see the operation keyword);
  3. Get results.

Features

Features are representations from transaction data that are used as an input for scoring models.

Response Example


Key Descriptions

KeyDescriptionDescriptionOptional
<function or feature logic name>_cat_<category_id>_<months>m (e.g.median_cat_79_12m)FloatNumerical representations (features) of statistically transformed raw transaction data on the aggregated account level. Each feature is associated with specific transformations on specific categories or category groups
<statement_id> (e.g. abcdefg12345)StringUnique identifier for each statement
statusStringProcessing record state
typeStringResponse type

Credit Scores

Credit scoring means calculating the probability of a default, based on behaviours identified in transaction data.

Response Example


Key Descriptions

KeyDescriptionDescriptionOptional
model-name (e.g. model_test_v12.0.model)FloatA probability that the statement is going to default
statusStringProcessing record state
typeStringRedundant field, it will be removed in the next iteration