Decision data are the information and data supplied to the Oraculi decision model during a loan assessment. It consists of the checks and scoring that were done by the system to determine the eligibility of a user. The decision data is a compilation of all modules configured within the Oraculi decision model of the lender. The decision model is what drives the checks and scoring done and the result is displayed as the decision data.
Decision data come from various sources such as:
Data provided by the borrower when applying for the loan such as address, place of work, etc.
Data extracted from the devices, such as location and other telemetric data
Data from the Lendsqr ecosystem such as Karma, or loans with other lenders
Data from external sources such as credit bureau and other external blacklists
Data from analytics such as Lendsqr ML engine or partners such as Periculum
Data from the borrower’s bank such as statement of account