Retail API

This documentation refers to the retail version of the Navigator.

Modules

Analytics

The Analytics module performs a comprehensive analysis of the transaction data. It focuses specifically on themes such as payment behaviour, active loans and unusual or risky transactions.

Income & Expenses

The Income and Expenses module performs a deep analysis of the income and expenses of a consumer. It measures several important characteristics of both income and expenses, such as stability, trend and regularity. Additionally it provides several important indicators regarding elements like employment status and recent changes in income.

ILT

The ILT module calculates the lending standard ("leennorm"), and the corresponding maximum borrowing capacity following the VFN code of conduct. This calculation is solely based on transaction data. This lending standard is considered the norm for credit providers in the Netherlands to assess creditworthiness for prospective consumer credit customers. Also the different components used in the calculation of the lending standard are provided, in order to provide the user with the endpoints to choose certain values to incorporate in their own lending standard calculation.

Credit Score

The Credit Score module calculates an overall credit score for this consumer. This score is expert-based and is calculated based on a weighted average of a large collection of risk drivers.

Life Events

The Life Event module provides insights into important life events that have occurred during the transaction period. These life events often cause payment difficulties for consumers.