> For the complete documentation index, see [llms.txt](https://akiba-digital.gitbook.io/akiba-api-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://akiba-digital.gitbook.io/akiba-api-docs/api-documentation/risk-analysis.md).

# 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="/pages/XbEd3WHpqNp4fE3qFkEI" %}
[Risk scoring](/akiba-api-docs/api-documentation/risk-analysis/risk-scoring.md)
{% endcontent-ref %}

{% content-ref url="/pages/cy0ZnglNR7R38a72GrxE" %}
[Default prediction](/akiba-api-docs/api-documentation/risk-analysis/insights/default-prediction.md)
{% endcontent-ref %}