Customer data sources

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Moreover, the data must correspond to the same type of lending and economic situation for which the model is built. It is also necessary to exclude atypical clients and abnormal loans from the original database.

What does customer data look like?
As an example, consider data in XML format, which is benin whatsapp phone number used in credit reports. The main element of the XML file is called CreditReports, and it includes the Version attribute, which indicates the version of the report format from the Bureau, and Encoding — encoding.

The document structure itself is divided into two parts: the file header (Header) and the main data (Body).

The Header stores the report date and the credit report ID, and the Body stores all information about the client and his credit history, in particular:

contract number;
loan amount;
maximum delay in days;
maximum amount of overdue debt;
credit status;
opening date;
planned closing date, etc.
XML example

Sample XML file for a credit report

The example discussed is quite simple, but in practice the size of a credit report even for one borrower can be several megabytes and contain hundreds of thousands of lines, as it stores detailed information about each client payment.

Reports from data aggregators such as SPARK-Interfax include information on legal entities and individual entrepreneurs. Usually, this data is also supplied in xml format, but for convenience, let's look at the interface part:

Example of SPARK data

As can be seen from the example above, banks can receive information about financial indicators, areas of activity, fines, arbitrations, media mentions, etc.

Based on these data, a large number of complex variables are constructed, which subsequently go through selection stages and end up in the final model.