MSME Features. These features include the msme identifier and vendors/pos systems used by businesses.They are returned in the kenya/features/msme endpoint.Definitions of these features generated by Pngme are:
| Feature | Features Available | Feature Definition | Use Case | Value Proposition | Return Value |
|---|---|---|---|---|---|
| is_mpesa_business | Identifies user as business or not, this decision is based on mpesa sms patterns that indicate a business eg. sms indicating money received by the MPESA buygoods service,MPESA pochi la biashara etc returns True if found. Also checks number of credit transactions in a month and mpesa credit fraction and based on the threshold returns True if criteria is met, returns False if none is of the conditions are met | •Offer tailored products and services such as business loans and online payment gateways to users identified as business. •Improved Risk Management accurate classification will help in setting appropriate credit limits and managing risks. •Leverage the classification to perform in-depth financial analysis specific to businesses, such as cash flow projections, financial health monitoring. | •By offering tailored products and services, the bank can cross-sell and up-sell more effectively. •The feature provides valuable insights into the financial behavior of business customers, enabling better decision-making and strategic planning. | {boolean} | |
| count_[vendors_events _categories] _events _{t0_days}_{t1_days} | count_vendorgallantchoiceservices_events_{t0_days}_{t1_days} count_vendorgawanjidistributorslimited_events_{t0_days}_{t1_days} count_vendorjapasupplies_events_{t0_days}_{t1_days} count_vendorkasaranipackaging_events_{t0_days}_{t1_days} count_vendorkenevaloventerpriseslimited_events_{t0_days}_{t1_days} count_vendorkioidistributorslimited_events_{t0_days}_{t1_days} count_vendormerrylandstores_events_{t0_days}_{t1_days} count_vendornavinaenterprises_event_{t0_days}_{t1_days} count_vendoroaklandliquordistributorsltd_events_{t0_days}_{t1_days} count_vendorstarbaseenterprise_events_{t0_days}_{t1_days} count_vendorsweetbargaintraderskenya_events_{t0_days}_{t1_days} | The number of SMS received indicating that the user engaged in purchasing from suppliersgallantchoices japasupplies, startbase enterprises, merryland stores, sweetbargain traders, kiodistributors.The counts are summed over a period of t0 to t1 days history prior to the prediction date, where the time windows are 0-30, 31-90, or 0-90 days. | Identify the vendors used by small business owners • Get insights on the type of business one is engaging in. • Improve decision making when loaning to small business owners | these features indicate users who are likely to small business owners | {int, null} |
| count_[possystems _categories] _events _{t0_days}_{t1_days} | count_poskopokopo_events_{t0_days}_{t1_days} count_pospesapa\l_events_{t0_days}_{t1_days} count_possokowatch_events_{t0_days}_{t1_days} | The number of SMS received indicating that the user engaged in receiving from following pos systems kopokopo, pesapal, sokowatchThe counts are summed over a period of t0 to t1 days history prior to the prediction date, where the time windows are 0-30, 31-90, or 0-90 days. | Identify commonly used pos systems by businesses • Get insights on the type of business one is engaging in. • Improve decision making when loaning to small business owners | these features indicate users who are likely to small business owners | {int, null} |
| sum_of_[vendors _categories]_debits _{t0_days}_{t1_days} | sum_of_vendorgallantchoiceservices_debits_{t0_days}_{t1_days} sum_of_vendorgawanjidistributorslimited_debits_{t0_days}_{t1_days} sum_of_vendorjapasupplies_debits_{t0_days}_{t1_days} sum_of_vendorkasaranipackaging_debits_{t0_days}_{t1_days} sum_of_vendorkenevaloventerpriseslimited_debits_{t0_days}_{t1_days} sum_of_vendorkioidistributorslimited_debits_{t0_days}_{t1_days} sum_of_vendormerrylandstores_debits_{t0_days}_{t1_days} sum_of_vendornavinaenterprises_debits_{t0_days}_{t1_days} sum_of_vendoroaklandliquordistributorsltd_debits_{t0_days}_{t1_days} sum_of_vendorstarbaseenterprises_debits_{t0_days}_{t1_days} sum_of_vendorsweetbargaintraderskenya_debits_{t0_days}_{t1_days} | The sum of SMS received indicating that the user engaged buying from following vendors gallantchoices, japasupplies, startbase enterprises, merryland stores, sweetbargain traders, kiodistributors. The debits are summed over a period of t0 to t1 days history prior to the prediction date, where the time windows are 0-30, 31-90, or 0-90 days. | Identify the vendors used by small business owners • Get insights on the type of business one is engaging in. • Improve decision making when loaning to small business owners by understanding their patterns better. | These features may be indicative of individuals who buy from vendors . These enable one to get a good idea of the client and personalize products such as loans or products related to small business owners • Understanding a user’s business activity can help tailor marketing strategies and develop products that cater to this specific customer segment. | {float, null} |
| sum_of_[possystems _categories] _debits _{t0_days}_{t1_days} | sum_of_poskopokopo_debits_{t0_days}_{t1_days} sum_of_pospesapal_debits_{t0_days}_{t1_days} sum_of_possokowatch_debits_{t0_days}_{t1_days} | The sum of SMS received indicating that the user engaged in using following pos systemskopokopo, pesapal, sokowatch. The debits are summed over a period of t0 to t1 days history prior to the prediction date, where the time windows are 0-30, 31-90, or 0-90 days. | Identify the vendors used by small business owners • Get insights on the type of business one is engaging in. • Improve decision making when loaning to small business owners by understanding their patterns better. | these features indicate users who are likely to small business owners | {float, null} |