"Features" are values derived from the user’s data, which can be used directly in a loan decisioning flow. They are returned in the decision endpoint. Definitions of the features generated by Pngme are:
| feature | definition | response value |
|---|---|---|
| average_end_of_day_depository_balance_{t0_days}_{t1_days} | Average of daily total balance held in all depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| average_end_of_day_loan_balance_{t0_days}_{t1_days} | Average of daily total balance held in all loan accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| count_airtime_purchase_events_{t0_days}_{t1_days} | count of airtime purchase events, across all of a user's airtime accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_betting_and_lottery_events_{t0_days}_{t1_days} | Distinct BettingAndLottery alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_insufficient_funds_events_{t0_days}_{t1_days} | Distinct InsufficientFunds alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_loan_declined_events_{t0_days}_{t1_days} | Distinct LoanDeclined alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_loan_defaulted_events_{t0_days}_{t1_days} | count of loan defaulted events, across all of a user's accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | int |
| count_loan_missed_payment_events_{t0_days}_{t1_days} | Distinct LoanMissedPayment alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_loan_opened_events_{t0_days}_{t1_days} | Distinct LoanApproved or LoanDisbursed alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_loan_repayment_events_{t0_days}_{t1_days} | Distinct LoanRepayment alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_of_institutions_{t0_days}_{t1_days} | Count of financial institutions a given user is associated with, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_overdraft_events_{t0_days}_{t1_days} | Distinct Overdraft alerts received, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_transactions_depository_{t0_days}_{t1_days} | Count of depository transactions, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| count_user_shared_device_ids_0_10 | Distinct users using the same device updated within the time range. | {int, null} |
| count_user_shared_phone_numbers_0_10 | Distinct users with the same phone number updated within the time range. | {int, null} |
| daily_average_of_stacked_loan_alerts_0_90 | Daily average of count of open loans over a given period using alerts as source. | {float, null} |
| daily_average_of_stacked_loan_fes_0_90 | Daily average of count of open loans over a given period using financial events as source. | {float, null} |
| data_density_{t0_days}_{t1_days} | Ratio of active user days to total number of days in range, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| data_recency_minutes | Return the time in minutes between utc_endtime and the most recent financial event or alert, as an indicator of data recency, or freshness. | {int, null} |
| difference_count_of_loans_opened_to_loans_delinquent_{t0_days}_{t1_days} | Returns the count of loans approved or disbursed - loans defaulted or missed payments, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| difference_count_of_loans_opened_to_loans_repaid_{t0_days}_{t1_days} | Returns the count of loans approved or disbursed - loans repaid, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {int, null} |
| loan_sharks_alert_institutions_ratio_0_90 | Ratio of loan shark related financial events over total events over a given period. | {float, null} |
| loan_sharks_fes_ratio_0_90 | Ratio of loan shark institutions over total seen institutions over a given period. | {float, null} |
| median_end_of_day_depository_balance_{t0_days}_{t1_days} | Median of daily total balance held in all depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| min_end_of_day_depository_balance_{t0_days}_{t1_days} | Minimum daily total balance held in all depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| net_cash_flow_{t0_days}_{t1_days} | Difference between credit and debit transactions across depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| primary_currency | Returns the primary currency based on the user's primitives data. | {str, null} |
| slope_end_of_day_depository_balance_0_90 | Rate of change of daily total balance held in all depository accounts. | {float, null} |
| slope_end_of_day_loan_balance_0_90 | Rate of change of daily total balance held in all loan accounts. | {float, null} |
| stdev_end_of_day_depository_balance_{t0_days}_{t1_days} | Standard deviation of daily total balance held in all depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| sum_of_airtime_credits_{t0_days}_{t1_days} | Total of credit transactions across airtime accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| sum_of_credits_{t0_days}_{t1_days} | Total of credit transactions across depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| sum_of_debits_{t0_days}_{t1_days} | Total of debit transactions across depository accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
| sum_of_depository_balances_latest | Total of latest balances summed across all depository accounts. | {float, null} |
| sum_of_depository_transactions_between_user_accounts_{t0_days}_{t1_days} | Total sum of transaction amounts potentially taking place between depository accounts associated with the given user | {float, null} |
| sum_of_loan_repayments_{t0_days}_{t1_days} | Total of credit transactions across loan accounts, over the previous t0 to t1 days, where the time windows are 0-30, 31-90, or 0-90 days history prior to the utc_time date. | {float, null} |
The {feature}_was_imputed feature equal to 1 indicates that the feature value had a missing value imputed. | Imputation is performed for features that can reasonably have a missing value replaced. | {boolean} |