API response body
{
"user": {
"first_name": "Mercy",
"last_name": "Otieno",
"phone_number": "254123456789",
"external_id": "f196eeb9-4d47-46a9-a90d-2e23ba8559d4",
},
"features": {
"count_loan_defaulted_events_0_90": 1,
"count_opened_loans_0_90": null,
"data_recency_minutes": 62370,
"net_cash_flow_0_90": 8789.76
}
}
Summary
"Features" are values derived from the user’s data, which can be used directly in a loan decisioning flow. Examples of features generated by Pngme are:
| feature | definition | response value |
|---|---|---|
| count_loan_defaulted_events_0_90 | count of loan defaulted events, across all of a user's accounts, over a 90 days history prior to the utc_time date. | {int, null} |
| count_opened_loans_0_90 | count of institutions where loans have been opened, over a 90 days history prior to the utc_time date. | {int, null} |
| data_recency_minutes | computes the time in minutes between the utc_time date and the most recent financial event or alert | {int, null} |
| net_cash_flow_0_90 | computes the net cash flow for a user, over a 90 days history prior to the utc_time date. | {float, null} |
Fields
user[].uuid
A unique identifier for the user, used as the user_uuid path parameter for other endpoints, and provided by the Android SDK.
user[].first_name
The user's first name, provided by the Android SDK.
user[].last_name
The user's last name, provided by the Android SDK.
user[].phone_number
The user's phone number, provided by the Android SDK.
user[].external_id
External identifier configured while integrating the Android SDK. Can be used to identify users in other identity systems.
features[]
Key-value pairs for the features requested by the api caller.