Nordic RGS Decisioning Service

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Overview

Nordic RGS Decisioning in 2 minutes

With Nordic RGS 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)

Sandbox API key (need to be logged in with your Bisnode ID or GitHub account) to try out the service in sandbox environment.

Contact api-support@bisnode.com if you have not yet received them

Authentication

To use the Nordic RGS 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 Nordic RGS Decisioning does not support Self Service for creating API clients.

Always use the production URL https://login.bisnode.com/as/token.oauth2 for both testing and production use of Nordic RGS Decisioning.

For testing use prod-test and scope: rgs-decision-test

Technical documentation

Please check our API description version 3 here

(deprecated version 1 here)

For configuring custom sender info on the Letter of Notification, please check the LoN Custom Sender API here

Migration guide for B2C person decision from v1 to v3 can be found here

Migration guide for B2B Norwegian company decision from v1 to v3 can be found 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 easy access we have provided you with a postman collection here.

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.

1. Sandbox environment

For trying out the API with static mocked data.

Test objects to use in Sandbox environment:

Sweden person	Sweden company	Norway person	Norway company	Finland person	Finland company	Denmark person	Denmark company
196512073245	9164103864	10108000045	812345672	160162-9968		0112947728

NB! Only decision and verify endpoints are available in sandbox environment.

2. Prodtest environment

A prod-like environment for end-to-end testing with test data before going to production.

Test objects to be used in the production test environment:

If you have the Bank (PSD2) module in the ruleset and want to test the full workflow in the production 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 test persons	Sweden test companies	Norway test persons	Norway test companies	Finland test persons	Finland test companies	Denmark test persons	Denmark test companies
195606172798 196512073245 194401127495 195401017875 196607113146 198604122385 197907112390 194610196695 198103082387 197607119349 197309069289 194502198429 194512137250 194401178449 194402109062 198111022383 193310109123 196703143435 194602138184 194801232606 195112162143 195302192264 195308072395 195401072284 195505103613 195701032863 196204142852 196305113174 196403013417 196501253063 196611252666 200010202398 197205169266 197108109286 197404279288 197502199255 197601022382 197802202395 198110192393 198206052386 198302232395 198406222383 198506232381 198801102388 199009012395 199111022381 199202222387 199301162385 198110232397 199401217840 199501222393 199601039663 199708062386 193605047947 197609232397 196408233234 200001018928 190603232380 200402232383 200106072382 200003042397 199706112381 199807152393 198009139265 198510219994 198211289288 197504049292 198710152391 199707312386 199708052395 199301242385 197903309230 199803032391 197904079295 197503259280	5561234567 4401127495 5562000116 5563035798 5562187129 5563698488 5561111112 5561010116 5561020115 5561030114 5561060111 5561070110 5561080101 5561070102 5561090118 9164499353 9164500291 8551001251 8551013371 7572021140 7164116464 5560030479 5560058603 5560391954 9164025331 7502199255 9696096990 9164043136 2021005935 9164052533 9164059017 9164246838 9164283864 9164296932 9164103864 9164157050 9164160344 9164208713 9164209125 6512073245 8111022383 3310109123 7502199255 7601022382 5606172798 5560396417 7164109337 8020160126 8020180215 5563127587 5563233039 5563283950	01820397939 01868297731 01868298282 01870399304 01880298166 01908797996 01908798003 01920398770 01929898709 01929899411 01929899926 02818799716 02828698063 02840398237 06816498102 08854098978 10851198720 11875096054 12818898248 14842249091 16845296182 16848198580 19849498498 19871398189 21847098284 22816897045 22859498071 23925797154 26844899369 26887497329 29868099311 30908199622 44870975888 55897901551	812345672 812942492 831234202 842852102 861160122 911642190 917524742 918189254 921079044 923313850 927822334 931024280 931061283 931084763 931736140 933513815 934378679 935164672 935276608 935565405 936714900 937340303 937400322 938591997 939971203 940670438 942666810 947128671 948817993 953797437 954311430	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	13287512 13287513 13287514 13287515 13287554 13287562

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.

Modules on companies:

Basic Data - name, address, legal form, NACE (SNI), statuses and blockers
Credit Data - rating, scoring, paydex, payment remarks, debt balance, key figures, annual report etc.

Decision

You provide a national identification number (SSN or registration number or D-U-N-S-nr) 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.

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
Companies in all Nordic countries: Denmark, Finland, Norway and Sweden

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

PERSON DATA	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.
COMPANY DATA	Denmark	Finland	Norway	Sweden
Basic Data	Company name Address Registration date NACE Legal form Operation status	Company name Address Registratio date NACE Legal form Operation status	Company name Address Registration date NACE Legal form Operation status	Company name Address Registration date NACE (SNI) Legal form Operation status
Credit Data	Payment remarks Rating Recommended limit Score Paydex Annual report Key figures	Payment remarks Rating Recommended limit Score Paydex Annual report Key figures	Payment remarks Score PD Recommended limit Annual report Key figures	Payment remarks Debt balance Rating Paydex Score PD Recommended limit Annual report Key figures

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.