Decide Variables
- Philip Awopetu
Decide analyses customers' financial data and returns a collection of understandable variables that serve as guiding principles for making accurate and risk-free lending decisions. These variables are categorised based on the different analysis criteria performed by Decide.
You provide the data and Decide analyses this data to help you make better and faster lending decisions.
Income Analysis
Income Analysis provides a collection of variables associated with the Customer's income. You are provided with information about the customer's average salary, expected salary day, and more.
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New Income Analysis Variable
We have added a new variable to our Income Analysis - gigWorker.
Spend Analysis
Spend Analysis provides a collection of variables associated with the customer's spending habits. You are given detailed information about the 'how' and 'what' the customer spends on. This includes airtime purchase, entertainment expenses, mobile expenses, bank charges, and more.
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New Spend Analysis Variable
We have added a new variable to our Spend Analysis - spendOnInvestment.
Cash Flow Analysis
Cash Flow Analysis provides a collection of variables associated with the customer's cash flow. It gives insight into the credit and debits cash flow of a customer's account over a period; this includes the number of transactions, average monthly balance, average debit/credit balance, and more.
Behavioural Analysis
Behavioural Analysis provides a collection of variables associated with the customer's behaviour, giving meaningful insights into the customer's loan repayment habits, gambling rates, and more.
Transaction Pattern Analysis
Transaction Pattern Analysis provides a collection of variables associated with the customer's transactions. You are provided with information that will help you understand transaction patterns such as recurring expenses, most frequent transaction range, transactions between range, and more.