The operator uses a user's financial, socioeconomic, and spending data to provide a risk index for credit or risk assessments. Two scoring scales are available.
AScore 780
ResponseLow risk
A score of 780 falls in the “very good” range.
BScore 610
ResponseHigher risk
A score of 610 falls in the “fair” range, indicating higher risk.
CSwitch to the grade scale
ResponseAbout grade A
On the grade scale, 4 is comparable to an A credit rating.
Two scalesOn the score scale, higher scores mean lower risk. On the grade scale, lower numbers mean lower risk.
How to use itUse the score to inform credit or risk assessments alongside the service provider's own judgment.
Customer Insights: How it works
- Send queryThe service provider sends the phone number, ID document number, or both, and may specify a scale with scoringType.
- Operator calculates scoreThe operator calculates a risk index using the user's financial, socioeconomic, and spending data.
- Return scoreReturns the scale type and score. If no scale is specified, the operator's default scale is used.
Customer Insights: API spec
Spec name
Customer Insights (CAMARA open-source spec)
API calls
POST /scoring/retrieveInput
phoneNumber, idDocument, or both; optional scoringTypegaugeMetric
800–850 very low risk; 740–799 low risk; 670–739 medium risk; 580–669 higher risk; 300–579 very high risk
veritasIndex
Comparable credit ratings: 0–1 AAA, 2–3 AA, 4–5 A, 6–7 BBB, 8–9 BB, 10–11 B, 12–13 CCC, 14–15 CC, 16–17 C, 18–19 DDD
Typical uses
An additional input for credit checks and fraud detection models
| Response fields | Meaning | Example |
|---|---|---|
| scoringType | Scale type: gaugeMetric or veritasIndex | gaugeMetric |
| scoringValue | Score result | 780 |
Responses for three scenarios (excerpts)
AScore 780
scoringType
gaugeMetric850 (lowest risk) to 300 (highest risk)scoringValue
780740–799: very good, low riskBScore 610
scoringType
gaugeMetric850 (lowest risk) to 300 (highest risk)scoringValue
610580–669: fair, higher riskCSwitch to the grade scale
scoringType
veritasIndex0 (lowest risk) to 19 (highest risk)scoringValue
44–5: comparable to an A credit ratingSpec source: CAMARA CustomerInsights r2.2 (Customer Insights v0.2.0)