Hi Stephen, Are you willing to open source your common data model as well? On Fri, Feb 28, 2020 at 12:28 PM 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> > > > >
