Improvements to the datasets

We are implementing some changes and updates to our public and investor data export data sets. The updates are mainly done in two areas:

  • Adjusting and adding data fields to reflect better the recent changes to the business processes.
  • Standardizing the data and fixing some known issues.

Changes will include:

  • The second application in the series of duplicates, will use the previous application info for LoanApplicationStartedDate, ApplicationSignedHour, ApplicationSignedWeekday
  • Previous duplicate application data will be excluded from the following fields: NoOfPreviousApplications, AmountOfPreviousApplications, NoOfPreviousLoans, AmountOfPreviousLoans, PreviousRepayments, PreviousEarlyRepayments.
  • Data fields that show percentages (ratios, interest rates etc) will all be shown in same number format. For example, 20% will be shown as 0.20 in every data field that includes percentages.

New fields include:

  • We’ll add to Investments list ScoringDate, ModelVersion, EL and Rating with same meaning as they are currently in Loan Dataset.
  • CancelledWithin1Month in both Loan Dataset and Investments list will show all loans cancelled or repaid by borrowers within 1 month after issuing.
  • Released funds will be put into separate row in both Portfolio Cashflow and Monthly overview.
  • Loan cancellations will also be separated into 3 new columns:
    • EarlyRepaidWithin14Days – repaid by borrower within 14 days
    • PostFundingCancellation – loan was released after our analyses
    • IdCancellation – borrower did not pass required ID checks

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