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Insights / Loans

Verify liabilities for accurate credit decisions, with confidence.

 
 

Insights / Loans

Verify liabilities for accurate credit decisions, with confidence

Quickly and easily detect credit liabilities and behavioural patterns. Used by global banks, lenders, brands and fintechs.

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Trusted by innovators

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How it works

A lender must gather a holistic picture of their applicant, and that includes all information on the loan activity that an applicant has. Loans contain such information. Loans insights provide information on the applicant’s loan activity, based on the account insight.

Supported across all countries where account data aggregation is available.

 

Why use it?

Loans insights provide detailed information on the loan activity, segregating loan types and lenders.

Loans insights depict tendencies and estimations of overall liabilities.

 

Example

 

Loans insights provide information on the applicant’s loan activity, based on the account insight.

{ “loans”: { “loans_summary”:{ “loan_payments_last_30_days”: 1000, “average_loan_payments_last_3_months”: 1000, “average_loan_payments_last_6_months”: None, “average_loan_payments_last_12_months”: None, “days_since_last_incoming_loan”: 15, “average_loan_payment”: 500, “avarage_days_between_new_loans”: 15, “number_of_loan_payments”: 10, “whole_months”: 5, “months_with_new_loans”: 5, “projected_average_loan_payment_next_3_months”: 1000 }, “loans_by_months”:[ { “year_month”: “2019-01”, “total_incoming_loans”: 1000.0, “total_loan_payments”: 1000.0, “number_of_incoming_loans”: 2, “number_of_loan_payments”: 2 }, [ … ] { “year_month”: “2019-05”, “total_incoming_loans”: 1000.0, “total_loan_payments”: 1000.0, “number_of_incoming_loans”: 2, “number_of_loan_payments”: 2 }, ], “lenders”: { “Payday”: [ { “name”: “Money Loans Digital” “occurrences”: 12 }, { “name”: “Quick Top-Up Loans” “occurrences”: 5 } ], “Mortgage”: [ { “name”: “Simple Finance Bank” “occurrences”: 10 } ] }} Output example:
 

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