Risk 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 customer’s capacity to repay credit by analysing how likely a customer’s account balance will hit zero within 90 days, inferred from modelling a customer’s 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:

{
"transactions": [
{
"external_transaction_id": "958d14298-91ee-405d-89da-248c30eaf0e81-pending",
"type": "debit",
"amount": -255,
"currency": "ZAR",
"status": "Approved",
"account_name": "Capitec-bank",
"account_number": "123-123-123",
"balance": {
"amount": 12105,
"currency": "ZAR",
"type": "ClosingAvailable"
},
"date_time": 1774672448
},
{
"external_transaction_id": "958d14298-91ee-405d-89da-248c30eaf0e81-pending",
"type": "debit",
"amount": -100,
"currency": "ZAR",
"status": "Approved",
"account_name": "Capitec-bank",
"account_number": "123-123-123",
"balance": {
"amount": 12005,
"currency": "ZAR",
"type": "ClosingAvailable"
},
"date_time": 1574672448
}
]
}
post
https://api.akibadigital.com/v1
/scoring
Upload customer transaction data for scoring
get
https://api.akibadigital.com/v1
/scoring/{customer_id}/
Returns risk score of your individual or business customer