Overview

Risk Decisioning in 2 minutes

With Risk Decisioning you can:

  • automate your risk assessments and credit applications
  • say yes to more customers
  • improve the response time to your customers, with an immediate yes or no
  • spend your internal administration and assessment time where it matters, not on cases that can be automated
  • analyze the applicants and identify the most profitable customers
  • minimize human errors and ensure that your policies are always and automatically followed
  • ensure embedded logging, archiving and traceability on all cases
  • have one single service for the different steps of your customer onboarding instead of connecting to many suppliers and services

Get started

You need this to get started:
  • a user/Bisnode ID
  • a rulesetKey (the key to the ruleset you want to send the subject through in the application process)
Contact api-support@bisnode.com if you have not yet received them

Authentication

To use the Risk Decisioning Service, you need a client ID and a secret. D&B uses OAuth2 for authentication. You can find more information about the authentication process here. Please note that Risk Decisioning does not support Self Service for creating API clients.

 

Technical documentation

Please check our API description version 3 here (deprecated version 1 here)
How to use the API

This guide is intended to help you get going with your integration against the Risk Decisioning Service API. It serves as a complement to the  Endpoint Reference  and aims to bring a high level understanding of the key concepts of the platform. 

For questions and support, please contact D&B at api-support@bisnode.com

How to test the API

You find url and instructions on how to test in the API description page. Follow the link above under Technical documentation.

Below is a list of test persons to be used in the test environment.

If you have the Bank (PSD2) module in the ruleset and want to test the full workflow in the test environment you use the same test credentials in the PSD2 call to Tink (user: tink password: tink-1234) irrespective of test object in the Decisioning ruleset.

Sweden
Norway
Finland
Denmark
195606172798
196512073245
194401127495
195401017875
196607113146
198604122385
197907112390
194610196695
198103082387
197607119349
197309069289
194502198429
194512137250
194401178449
10105000060
10104000032
10114000294
10117000279
10117500182
11106421406
29027619523
29034620421
30036549854
05087949879
01010112377
08107049836
10108000045
210281-9988
160162-9968
270643-998J
061151-9994
021081-998E
010868-998U
191148-999R
231162-999X
040381-9983
080682+998B
010180-953U
080626-998W
251189-9985
210263-999M
290574-9981
081014-9981
261298-998X
070560-9976
071259-999M
271169-999A
020143-998C
260764-9984
130496-999L
040762-999E
271169-999A
210367-998E
010132-998W
171210-998D
251199-999S
070753-9992
030465-9364
101190+935P
010203A947K
080880-974N
050535-905F
060646-940W
090959-9830
121295-918J
121295-957T
070777-9389
080868-9017
020894-9986
200640-9988
1304289999
0112947728
0702614074
1301811019
0607620059
0705650012
0701614046
0109664847
0708614815

Key Features

Modules

As you may have different business channels, credit types and risks on your customers you can have different rulesets for different purposes. Choose from a selection of modules what data to consider in each ruleset.

Modules on private persons:

  • Basic Data - name, address, age, statuses and blockers
  • Credit Data - scoring, payment remarks, debt balance, tax assessment data etc.
  • Credits Overview Data - granted and utilized credits on Finnish and Swedish persons. (Availability limited to suppliers of data in the bank and finance industry, with a specific permission)
  • Compliance Data - AML-screening towards PEP and sanctions lists.
  • Bank Data - transactions data from the applicants bank accounts through PSD2. The applicant grants access with secure identification. See more details here
  • Your own input data - e.g. data needed for an affordability calculation.
  • Affordability calculation - a customized module using both D&B data, debt data from external sources and your own data to make an automated affordability calculation for the applied amount. Available on Norwegian private persons. The calculation model is customized in collaboration between D&B and you as a customer. When the model is confirmed you will receive your specification of input and output.

Decision

You provide a national identification number in the call to the decision service.

D&B collects all the data and makes sure that the modules and rules that you have selected are processed. In return you get a Decision: Approve/Decline/Pending

If you have a ruleset calculating an approved limit or other outcomes, e.g. interest, these outcomes will be added to the response.

Reasons behind the final decision are also provided, as well as other vital data used in the process.

Background data

You can fetch all the details in the datasets behind each module in a background data call.

The decision data and the background data are separated into two calls to improve response time.

Archive

Your decisions with details on outcomes and reasons, as well as all the background data used in the decision is archived and available for your further needs for investigations or overrides.

Ways of processing a decision

  • All-in-one process - the most common process. All rules and data are always processed and you get a complete overview as well as full data for future analysis.
  • Modular process - the process can be set to stop after a module has resulted in Decline. Cost saving and using less data, but also resulting in less data available for investigations, overrides and analytics.

Subjects

  • Risk Decisioning is available on private individuals in all Nordic countries: Denmark, Finland, Norway and Sweden.
  • Work in progress on Risk Decisioning on companies, starting with Norway.

Delivery channels

Risk Decisioning is available through API as well as in the RiskGuardian web interface.

Information

Available data output per country

There are local differences in which modules and data that are available in each country

 
Denmark
Finland
Norway
Sweden
Basic Data
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Name
Address
Age
Status
Date of birth
Credit data
Payment remarks
Payment remarks
Score
Payment remarks
Income taxation
Score
Payment remarks
Debt balance
Income taxation
Score
Credits  overview data
-
Granted credits
- as separate API
Granted and utilized credits
Compliance data
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on name and date of birth
Sanctions match on name and date of birth
PEP match on National ID number
Sanctions match on name and date of birth
Bank data (PSD2)
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.
Aggregated and categorized data from the personal bank account at the selected bank, e.g. income and expenses.

Available statuses per country 

For person:

Sweden Norway Finland Denmark
ADDRESS_ABROAD ACTIVE BUSINESS_BAN ACTIVE
BLOCKED_FROM_CREDIT ADDRESS_ABROAD DECEASED ADDRESS_ABROAD
DECEASED BANKRUPT IMMIGRATED DECEASED
EMIGRATED BIRTH_REGISTERED NO_ADDRESS DISAPPEARED
IMMIGRATED BLOCKED_FROM_CREDIT   EMIGRATED
NO_ADDRESS DEBT_SETTLEMENT   EXPIRED_NATIONAL_ID_NUMBER
PROTECTED DECEASED   NATIONAL_ID_NUMBER_CHANGED
  DISAPPEARED   NOT_REGISTERED
  EMIGRATED   NO_ADDRESS
  EXPIRED_NATIONAL_ID_NUMBER   NO_ADDRESS_GREENLAND
  GUARDIANSHIP   NO_HOUSE_NUMBER_GREENLAND
  MINOR   PROTECTED
  NOT_REGISTERED   UNKNOWN
  NOT_SETTLED    
  NO_ADDRESS    
  PROTECTED    
  SECRET_ADDRESS    
  SETTLED_ABROAD    

For company:

Operating status:

Norway  
Status Description
A Active
I Dormant
S Dissolved and deleted

Registration status:

Status Description
RER Registered in the Central Coordinating Register for Legal Entities (Enhetsregisteret)
NRER Not registered in the Central Coordinating Register for Legal Entities (Enhetsregisteret)
RFR Registered in the Register of Business Enterprises (Foretaksregisteret)
NRER Not registered in the Register of Business Enterprises (Foretaksregisteret)
RMVR Registered in the VAT-register
NRMVR Not registered in the VAT-register
Changes and versioning

API version is provided in the base of the requested URL in the form of "v1", "v2" etc. Only major version numbers are used.

API versions are raised only on breaking (i.e. backwards incompatible) changes in the API. Fields may be added but will never be removed during an API version lifecycle. When developing your application, take care to ensure that your application is able to handle additional fields.