# Risk Analysis

### Understand Alternative scoring

Alternative scoring has the same objective as a traditional credit score in determining a customer’s ability to repay credit, but greatly increases the depth. The underlying scorecard is constructed from variables extracted from the transaction data of both credit and debit products. Hence credit-like behaviour, such as whether or not someone pays their rent or utility bills, is now picked up.

### This section includes APIs for:

{% content-ref url="risk-analysis/risk-scoring" %}
[risk-scoring](https://akiba-digital.gitbook.io/akiba-api-docs/api-documentation/risk-analysis/risk-scoring)
{% endcontent-ref %}

{% content-ref url="risk-analysis/insights/default-prediction" %}
[default-prediction](https://akiba-digital.gitbook.io/akiba-api-docs/api-documentation/risk-analysis/insights/default-prediction)
{% endcontent-ref %}


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