โข๏ธRisk scoring
Calculates risk score and default score of an individual customer using transaction data
The risk score
has been designed to measure the likelihood of a customer (individual or business) to default on credit. The underlying scorecard is built using statistical judgment model built from credit risk metrics, all of which are extracted from transaction data.
The payability score
quantifies the near-term funds available to a customer. It quantifies the probability to determine a customerโs capacity to repay credit by analysing how likely a customerโs account balance will hit zero within 90 days, inferred from modelling a customerโs balance history.
For the best risk scoring results, insert at least 3 months of transaction history of your customer
Scoring requires transaction data
For us to calculate a risk score of your customer, we need transaction data from their bank account, wallet and or POS in the case of SMEs.
Example Transactions Object schema required:
Upload customer transaction data for scoring
POST
https://api.akibadigital.com/v1/scoring
Headers
Name | Type | Description |
---|---|---|
Token* | String | Access auth Token |
Content-Type* | String | application/json |
Request Body
Name | Type | Description |
---|---|---|
customer_reference* | String | your custom reference of the customer i.e phone number |
transactions* | Object | transaction object similar to example provided above |
customer_type* | String |
|
webhook_url | String |
Returns risk score of your individual or business customer
GET
https://api.akibadigital.com/v1/scoring/{customer_id}/
Headers
Name | Type | Description |
---|---|---|
Token* | String | |
Content-Type* | String | application/json |
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