That's wonderful, if we could open source the models as well as function . So guess what if we could open source the models. My interest is in building standardised API layer definitely this is the way to go.
Adoption will happen if we produce results better then existing system. Fineract should have it lets draft a plan and execute it. Sure let's focus on this. On Fri, 28 Feb 2020, 23:58 Stephen Bireley, <[email protected]> wrote: > Hi Saranash, > > > > The API can be open source. The scoring and lending platform is separate > and not open source as the AI models are built around customer business > cases, business rules, available data, demographics, workflow, etc. An > Open API could help standardize the interface making integration easier for > scoring platform, but it would require adoption by other vendors. CGAP is > promoting Open APIs for financial inclusion. > > > > I am interested to learn more about what you are doing but let’s take it > off this list. > > > > Thanks! > > > > Best Regards, > > > > Steve Bireley > > CTO > > Lokyata > > AI-Driven Lending-Decisions-as-a-Service > > Washington DC > > http://www.lokyata.com > > M-571.216.3530 > > Whatsapp 571.216.3530 > > > > *From:* Saransh Sharma <[email protected]> > *Sent:* Friday, February 28, 2020 11:43 AM > *To:* Dev <[email protected]> > *Cc:* Shiv Nandan Negi <[email protected]> > *Subject:* Re: Client Credit Score API Information needed > > > > Do you wish to make it open source? What providers do you support at this > point?. > > > > Oh so you have developed your own credit rating engine. > > > > Do you wish to integrate economic compatible social credit rating . > > > > It starts with peer to peer model, to create an economic equilibrium. > > > > I can share a detailed document. > > > > > > On Fri, 28 Feb 2020, 21:36 Stephen Bireley, <[email protected]> wrote: > > Our current APIs differ between customers as the API parameters map to > features used in the scoring models developed for each use case. Further, > the data differs significantly between MSME, Consumer, home, vehicle, > SHG/JLG, and Agri loans. We have developed a common data model to uniquely > describe each data point we can use for a variety of loan types and > customer profile parameters to drive segmentation, reporting, and > messaging. I think we can leverage the common data model to create > robust, open, and general purpose API specification for communicating with > external credit scoring or lending decision platforms. > > > > Best Regards, > > > > Steve Bireley > > CTO > > Lokyata > > AI-Driven Lending-Decisions-as-a-Service > > Washington DC > > http://www.lokyata.com > > M-571.216.3530 > > Whatsapp 571.216.3530 > > > > *From:* Awasum Yannick <[email protected]> > *Sent:* Friday, February 28, 2020 9:15 AM > *To:* Dev <[email protected]> > *Cc:* Shiv Nandan Negi <[email protected]> > *Subject:* Re: Client Credit Score API Information needed > > > > To make this work, a specification doc should be written up and issues > broken down for others to pickup. > > > > For now, Steve, you could send a PR with your initial implementation > assuming you are doing this in an Open Source context.. > > > > On Fri, Feb 28, 2020 at 2:41 PM Enoobong Ibanga <[email protected]> > wrote: > > Hi Steve, > > > > Happy to work with you on this > > > > On 28 Feb 2020, at 14:04, Stephen Bireley <[email protected]> wrote: > > > > Hi, > > > > Our plan going forward it to develop a standard integration for Mifos to > provide credit scores or full lending decisions. If there is anyone on the > list interested in working with us to develop that, we are interested in > working with you. > > > > Best Regards, > > > > Steve Bireley > > CTO > > Lokyata > > AI-Driven Lending-Decisions-as-a-Service > > Washington DC > > http://www.lokyata.com > > M-571.216.3530 > > Whatsapp 571.216.3530 > > > > *From:* Vishwas Babu <[email protected]> > *Sent:* Friday, February 28, 2020 6:46 AM > *To:* [email protected] > *Cc:* Shiv Nandan Negi <[email protected]> > *Subject:* Re: Client Credit Score API Information needed > > > > Hi Sharon, > > > > Fineract does not have any API’s for credit scoring > > > > Regards, > > Vishwas > > > > On Feb 27, 2020, at 9:45 PM, Sharon Moniz <[email protected]> wrote: > > > > Hi team, > > > > We were looking at integrations to determine the credit score of a > customer. Currently we use Mifos and Apache Fineract service to issues > loans to customers. Do you have any APIs in Mifos to determine the > customer's credit score. If yes, is this score across other financial > systems or is it specific to Mifos only. Could you share with us the APIs, > if any. > > > > Regards, > > Sharon > > > > > > > <https://www.avast.com/en-in/recommend?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail&utm_term=default3&tag=5f0c2408-480a-480f-b6d4-ddcd547aef84> > > I’m protected online with Avast Free Antivirus. Get it here — it’s free > forever. > <https://www.avast.com/en-in/recommend?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail&utm_term=default3&tag=5f0c2408-480a-480f-b6d4-ddcd547aef84> > > > >
