SaFi Bank Space : FS: FinScore

FeatureStore Parameters for GCP:

Link - FinScore API Docs

In general, the response depends on the validity of the body content passed to it. For the purposes of FeatureStore, only valid responses results are detailed below. These results will be consumed as features.

Features will be converted and ingested as STRING type.

GENERIC RESPONSE DETAILS

In Response Tab, the response status must be 200. See the Response Codes below:

• 0000 OK - Successful Operation

• 1000 OK - Score not Available

• 1111 Error - General Error

In case there is an error in authentication, the server must return a response code 401 (Unauthorized). If the token is expired, the possible response message is “Token Expired. The token has exceeded its lifetime of 3600 seconds.”GENERIC RESPONSE DETAILS

Response codes will be kept as a feature with feature_id: code

GENERIC SCORE - score_labels

The Finscore’s generic telco scores are statistical models built on various MNO data sources – Data and Voice usage, Top-up Patterns, Location and Device Data and many more. Derived by the most advanced machine learning algorithms, the scores have significant predictive power and can be used as either standalone models or in combination with exiting internal Social-Demographic and/or Credit Bureau models.

{
  "code": "0000",
  "requestid": "338791112",
  "transactionid": "4036a2f8ff1d4386928d98d22e9a06c5",
  "result": "ok",
  "scores": {
      "10": [
        ["score",560],
        ["band",6]
      ]
    }
}

Valid SMART Prepaid:

• Valid SMART Postpaid:

GEO - LOCATION FRAUD FLAG

Geo Location Fraud Flag derived from FinScore’s ability to match applicants declared living address versus the real geo – location detected by the mobile operator.- The Finscore’s generic telco scores are statistical models built on various MNO data sources – Data and Voice usage, Top-up Patterns, Location and Device Data and many more. Derived by the most advanced machine learning algorithms, the scores have significant predictive power and can be used as either standalone models or in combination with exiting internal Social-Demographic and/or Credit Bureau models.

{
  "code": "0000",
  "address_check": {
    "20": "000",
    "21": "000"
  },
  "requestid": "338791112",
  "result": "ok",
  "transactionid": "780FBFABC3744B4B8C59F7ADFA9BC19E"
}

• Valid Address:

SOCIAL CIRCLE FRAUD FLAG

Social Circle Fraud Flag leverages on the Telco Data and compare the applicant’s guarantor number with the applicant’s most often called numbers.

{
  "code": "0000",
  "msisdn_check": {
    "30": "(000000000,000000000,00000,00000,00000)",
    "31": "(000000000,000000000,00000,00000,00000)"
  },
  "requestid": "338791112",
  "result": "ok",
  "transactionid": "780FBFABC3744B4B8C59F7ADFA9BC19E"
}

• Valid Mobile Number:

CUSTOMER RECORD PROFILE

Customer Record Profile is a product that provides valuable insights to the Partner without revealing the actual sensitive data of the Customer. The Customer Profile Record has a lot in common with a typical Credit Bureau Record, but is composed solely of Telco data.

{
  "code": "0000",
  "customer_profile": [
    ["TimeWithSmart","Established"],
    ["SubscriptionType","Smart Prepaid"],
    ["SmsUsage","Lowest"],
    ["TopUp","Mid"],
    ["MobileDataUsage","High"],
    ["AvgDailyActivities","Low"]
  ],
  "requestid": "3234345555",
  "result": "ok",
  "transactionid": "afcfd32fedf24360a61cd911e5ccbc4f"
}

• Valid Mobile Number: