Overview

Risk Decisioning in 2 minutes

With Risk Decisioning you can:

  • automate your risk assessments and credit applications
  • say yes to more customers
  • improve the response time to your customers, with an immediate yes or no
  • spend your internal administration and assessment time where it matters, not on cases that can be automated
  • analyze the applicants and identify the most profitable customers
  • minimize human errors and ensure that your policies are always and automatically followed
  • ensure embedded logging, archiving and traceability on all cases
  • have one single service for the different steps of your customer onboarding instead of connecting to many suppliers and services

Get started

You need this to get started:
  • a user/Bisnode ID
  • a rulesetKey (the key to the ruleset you want to send the subject through in the application process)
Contact api-support@bisnode.com if you have not yet received them

Authentication

To use the Risk Decisioning Service, you need a client ID and a secret. D&B uses OAuth2 for authentication. More information here.

 

Technical documentation

Please check our API description here.
How to use the API

This guide is intended to help you get going with your integration against the Risk Decisioning Service API. It serves as a complement to the  Endpoint Reference  and aims to bring a high level understanding of the key concepts of the platform. 

For questions and support, please contact D&B at api-support@bisnode.com

Key Features

Modules

As you may have different business channels, credit types and risks on your customers you can have different rulesets for different purposes. Choose from a selection of modules what data to consider in each ruleset.

Modules on private persons:

  • Basic Data - name, address, age, statuses and blockers
  • Credit Data - scoring, payment remarks, debt balance, tax assessment data etc.
  • Credits Overview Data - granted and utilized credits. (Availability limited to suppliers of data in the bank and finance industry, with a specific permission)
  • Compliance Data - AML-screening towards PEP and sanctions lists.
  • Bank Data - transactions data from the applicants bank accounts through PSD2. The applicant grants access with secure identification. See more details here
  • Your own input data - e.g. data needed for a budget calculation

Decision

You provide a national identification number in the call to the decision service.

D&B collects all the data and makes sure that the modules and rules that you have selected are processed. In return you get a Decision: Approve/Decline/Pending

If you have a ruleset calculating an approved limit or other outcomes, e.g. interest, these outcomes will be added to the response.

Reasons behind the final decision are also provided, as well as other vital data used in the process.

Background data

You can fetch all the details in the datasets behind each module in a background data call.

The decision data and the background data are separated into two calls to improve response time.

Archive

Your decisions with details on outcomes and reasons, as well as all the background data used in the decision is archived and available for your further needs for investigations or overrides.

Ways of processing a decision

  • All-in-one process - the most common process. All rules and data are always processed and you get a complete overview as well as full data for future analysis.
  • Modular process - the process can be set to stop after a module has resulted in Decline. Cost saving and using less data, but also resulting in less data available for investigations, overrides and analytics.

Subjects

  • Risk Decisioning is available on private individuals in all Nordic countries: Denmark, Finland, Norway and Sweden.
  • Work in progress on Risk Decisioning on companies, starting with Norway.

Delivery channels

Risk Decisioning is available through API as well as in the RiskGuardian web interface.

Information

Available data output per country

There are local differences in which modules and data that are available in each country

 
Denmark
Finland
Norway
Sweden
Basic Data
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Credit data
Payment remarks
Payment remarks
Score
Payment remarks
Income taxation
Score
Payment remarks
Debt balance
Income taxation
Score
Credits  overview data
-
Granted credits
- as separate API
Granted and utilized credits
Compliance data
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on National ID number
Sanctions match on name and date of birth
Bank data (PSD2)
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
         
Changes and versioning

API version is provided in the base of the requested URL in the form of "v1", "v2" etc. Only major version numbers are used.

API versions are raised only on breaking (i.e. backwards incompatible) changes in the API. Fields may be added but will never be removed during an API version lifecycle. When developing your application, take care to ensure that your application is able to handle additional fields.

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