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Ecosystem Data Dictionary
The Ecosystem is a module within the Lendsqr Oraculi decision engine. Oraculi decision model is made up of the settings for the model itself, which comprises of the decision modules and the offer settings. The other group of settings are individual settings for each of the decision modules.
Ecosystem is the module that checks the entire Lendsqr data ecosystem to see if a borrower meets certain criteria during decisioning. For example, it can be used to find out if a potential borrower is owing other Lendsqr lenders. This is similar to credit bureau data but on steroids.
The following describes the available data type and what each does.
ID
Data Key
Name
Description
Sample Data
1
bvn
Bank Verification Number
This is an 11-digit number that uniquely identifies the borrower across the banking industry in Nigeria as well as an identifier the borrower has used to sign into applications in the Lendsqr’s ecosystem.
22112345678
2
first_name
First Name
This is the first name a borrower has used to sign in to different applications in Lendsqr’s ecosystem.
Mark
3
last_name
Last Name
This is the last name a borrower has used to sign in to different applications in Lendsqr’s ecosystem.
John-Sule
4
bvn_phone_number
Phone Number on BVN
This is the phone number attached to the BVN used to sign up on the applications across the Lendsqr ecosystem.
7034138291
5
date_of_birth
Date of Birth
This is the date of birth of a particular customer, entailing the day, month and year. This is validated against the customer BVN, done while onboarding to the Lendsqr ecosystem. If the date of birth does not match the one registered with the customer’s BVN, the customer is unable to proceed with the onboarding process.
1/6/1978
6
age
Age
This is the age of the borrower gotten from the date of birth that the borrower has put in in various applications in Lendsqr’s ecosystem. It is usually used to build the borrower’s credit score using the Scoring model.
45
7
unique_phone_numbers
Unique Phone Numbers
This is the number of unique phone numbers a user has across the ecosystem. A number higher than 2 may mean the user has a fraudulent intent.
2
8
phone_number
Phone Number
This is an 11-digit number that is assigned to a specific phone line or mobile phone. It is also an identifier with which a borrower uses to sign into applications in Lendsqr’s ecosystem. A number higher than 2 may mean the user has a fraudulent intent.
7034138291
9
unique_emails
Unique Emails
This is the number of unique emails a user has across the ecosystem.
2
10
email
Email
This is the unique email address of a customer, used while signing up across the Lendsqr ecosystem. This also serves as an identifier for a customer across all Lendsqr lending platforms.
someone@example.com
11
gender
Gender
This is the gender of the borrower which is usually Male or Female. The gender is also used to build a credit score using the Scoring model.
Male
12
lenders
Lenders
This number indicates the number of lenders a user has signed up on within the Lendsqr ecosystem.
1
13
first_account
First Account Opened
This is the date and time a borrower first opened an account on any of the different applications within the Lendsqr ecosystem.
2/28/20 19:08
14
last_account
Last Account Opened
This is the date and time a borrower last opened an account on any of the different applications within the Lendsqr ecosystem.
9/5/23 12:18
15
failed_selfie_bvn_check
Failed Selfie BVN check
This is the number of failed Selfie BVN checks that a borrower has across the Lendsqr ecosystem.
0
16
lending_lenders
Lending Lenders
This is the number of lenders in Lendsqr’s ecosystem that are lending and are currently being used by the borrower.
0
17
loans
Loans
This is the number of loans a borrower has taken across different applications within the Lensqr ecosystem. A lender can decide the threshold that they want their borrowers to have. E.g., max loans: 10
0
18
loan_amount
Loan Amount
This is the total amount of loans a borrower has previously taken across different applications within the Lendsqr’s ecosystem.
0
19
loan_amount_minimum
Loan Amount Minimum
This is the minimum loan amount a user has taken within the Lendsqr ecosystem. Lenders can use this history to decide on the kind of borrowers they want to give loans to.
1,000
20
loan_amount_maximum
Loan Amount Maximum
This refers to the maximum loan amount that a user has taken in the Lendsqr ecosystem. Lenders can use this history to decide on the kind of borrowers they want to give loans to.
5,000,000
21
loan_amount_average
Loan Amount Average
This is the average loan amount a borrower has previously taken in different applications in Lendsqr’s ecosystem.
456,348.13
22
settled_loans
Settled Loans
This is the number of loans that have been settled by a user borrower from different applications across the Lendsqr ecosystem.
10
23
settled_loan_amount
Settled Loan Amount
This is the total amount of loans previously settled by a borrower from different applications across the Lendsqr ecosystem.
20,000
24
settled_loan_amount_paid
Settled Loan Amount Paid
This is the total amount of settled loans previously paid by a borrower from different applications across the Lendsqr ecosystem.
20,000
25
running_loans
Running Loans
This refers to the total number of active loans a user has across the Lendsqr ecosystem. It is advised that loans should not be given to borrowers who have running loans on other loan applications.
0
26
running_loan_amount
Running Loan Amount
This refers to the total amount of active loans a user has across the Lendsqr ecosystem. It is advised that loans should not be given to borrowers who have running loans on other loan applications.
0
27
past_due_loans
Past Due Loans
This is the total number of past due loans a borrower has had in the Lendsqr ecosystem. A number higher than zero means the customer is defaulter and should not be given a loan.
2
28
past_due_loan_amount
Past Due Loan Amount
This is the total amount of past due loans a borrower has had in the Lendsqr ecosystem. An amount higher than zero means the customer is defaulter and should not be given a loan.
0
29
past_due_loan_amount_due
Past Due Loan Amount Due
This is the total loan amount due of a past due loan a user has had in the Lendsqr ecosystem. An amount higher than zero means the customer is defaulter and should not be given a loan.
0
30
penalty
Penalty
This refers to the fee that a borrower has to pay for failing to meet up with the due date for loan repayment. If a borrower has a history of penalty payments, it means they are possible defaulters and should not be given loans.
0
31
penalty_paid
Penalty Paid
This refers to the total amount of fees that a borrower has to pay for failing to meet up with the due date for loan repayment. If a borrower has a history of penalty payments, it means they are possible defaulters and should not be given loans.
0
32
penalty_loan_ratio
Penalty Loan Ratio
This is used to determine the allowable penalty incurred for a user to still access a loan.
0.15
33
delayed_paid_loans
Delayed Paid Loans
This is the total number of loans a borrower did not pay on time across different applications within the Lendsqr ecosystem.
0
34
delayed_paid_loan_amount
Delayed Paid Loans Amount
This is the total amount of loans a borrower did not pay on time across different applications within the Lendsqr ecosystem.
0
35
delayed_paid_loans_trials
Total number of trials on loans paid but not on time
0
36
delayed_paid_loans_avg
Delayed Paid Loans Average
This is the average number of loans a borrower did not pay on time across different applications within the Lendsqr ecosystem.
0
37
delayed_paid_loans_trials_max
Delayed Paid Loans Trials Max
This is the allowable maximum total number of loans a borrower did not pay on time across different applications within the Lendsqr ecosystem.
0
38
delayed_paid_loans_trials_min
Delayed Paid Loans Trials Min
This is the allowable minimum total number of loans a borrower did not pay on time across different applications within the Lendsqr ecosystem.
0
39
first_loan_date
First Loan Date
This is the first date the borrower took a loan across different applications within the Lendsqr ecosystem.
7/2/20 13:09
40
last_loan_date
Last Loan Date
This is the last date the borrower took a loan across different applications within the Lendsqr ecosystem.
9/13/23 19:18
41
loan_requests
Loan Requests
This is the total number of loan requests a user has made within the Lendsqr ecosystem.
0
42
failed_loan_requests
Failed Loan Requests
This is the total number of unsuccessful loans requests across the Lendsqr ecosystem.
0
43
logins
Logins
This is the total number of logins a borrower has made on different lender applications within the Lendsqr ecosystem.
280
44
first_login
First login
This is the first login a user made on lender applications in the Lendsqr ecosystem.
6/30/23 0:48
45
last_login
Last Login
This is the last login a user made on lender applications in the Lendsqr ecosystem.
9/15/23 12:23
46
unique_login_ips
Unique Login IPs
The count of different IP addresses from which this user has logged into any of Lendsqr lenders’ apps. Very high numbers may indicate a fraudulent behavior.
3
47
unique_device_ids
Unique Device IDs
This is the total count of unique devices that a borrower has used to engage with different lender applications within the Lendsqr ecosystem.
1
48
distinct_mobile_os
Distinct Mobile OS
This is the count of unique mobile operating system a borrower has used to engage with different lender applications in Lendsqr’s ecosystem.
1
49
duplicated_devices
Duplicated Devices
This is the count to show how many times the user’s device has been used by another user within the ecosystem.
1
50
shared_device_users
Shared Devices
0
51
credit_delinquency
Credit Deliquency
This is the number of delinquent credit facilities from Credit Bureau. This data is gotten from the activity of the lender across different lenders’ accounts.
0
For more information on other decision modules, click here
