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☢️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.

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For the best risk scoring results, insert at least 3 months of transaction history of your customer

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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.

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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
    }
    ]
}

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Upload customer transaction data for scoring

POST https://api.akibadigital.com/v1/scoring

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Headers

Name
Type
Description

Token*

String

Access auth Token

Content-Type*

String

application/json

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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

1 for individual and 2 for business

webhook_url

String

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Returns risk score of your individual or business customer

GET https://api.akibadigital.com/v1/scoring/{customer_id}/

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Headers

Name
Type
Description

Token*

String

Content-Type*

String

application/json

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