Scenario 6: Update credit score based on transaction and device data.
|### 1) Use Case
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| As an App developer you want to give a Credit Rating to a Customer based on their Transactions and also device data.
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|### 2) Solution Overview: | |In general your application will need to: | 1) Loop through Customers | 2) For each Customer, get its related Users and associated device data | 3) For each Customer or User get the related accounts | 4) For each Account, get its Transaction data | 5) Update the Credit Rating and Credit Rating Readiness score of the Customer. | |### 3) Authentication and Authorisation | |Depending on the configuration of this OBP instance, and the endpoints being called, the Consumer / Client may need Scopes and / or the User may need Entitlements and Account Access. |To get started, we suggest requesting Entitlements via the API Explorer. | |### 4) Endpoints | |* Get Customers (minimal). Click here for documentation. | |The above endpoints return a list of bank_id and customer_id which can be used for getting correlated Users and their attributes: | |* Get Correlated Users for a Customer. Click here for documentation. | |Then get Accounts related to a Customer: | |* GET Accounts Minimal for a Customer. Click here for documentation. | |Once you have the list of bank_ids and account_ids, you can get their transactions which include tags for each transaction: | |* GET Firehose Transactions. Click here for documentation. | |After your processing of the data you can update the Credit Score: | |* Update Credit Score. Click here for documentation. | |You can create a CREDIT_SCORE_READINESS attribute using the following endpoint: | |* Create Customer Attribute. Click here for documentation. | |And update it here: | |* Update Customer Attribute. Click here for documentation. | |