User Stories Documentation #10
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6 tasks
rartych
reviewed
Dec 13, 2024
| | ***Exceptions*** | Several exceptions might occur during the Customer Insights API operations:<br>- Unauthorized: Invalid credentials provided by the bank system.<br>- Consent missing: The customer has not provided consent for sharing telco data (i.e. permission denied).<br>- Data not found: Insufficient user data available for the customer.<br>- Corporate customers: The API is not applicable for corporate customers. | | ||
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| **User Story: Credit scoring service for riders** |
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There are multiple APIs and multiple service providers in this story - this may be confusing.
rartych
reviewed
Dec 13, 2024
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| | **Item** | **Details** | | ||
| | -------- | ----------- | | ||
| | ***Summary*** | As a service provider, I want to evaluate the creditworthiness of riders working for food delivery, errands, and other similar applications. I use the Credit Insights API to generate a score for these riders, which can be used by companies and banks to offer credit services to the riders for purchasing a motorcycle, bicycle, or electric scooter. The application can leverage the Customer Insights API to complement the score generated with additional telco data, enhancing the overall credit score. | |
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I use the Credit Insights API to generate a score
Can we call Credit Insights API just external API without naming it?
rartych
reviewed
Dec 13, 2024
| | ***Summary*** | As a service provider, I want to evaluate the creditworthiness of riders working for food delivery, errands, and other similar applications. I use the Credit Insights API to generate a score for these riders, which can be used by companies and banks to offer credit services to the riders for purchasing a motorcycle, bicycle, or electric scooter. The application can leverage the Customer Insights API to complement the score generated with additional telco data, enhancing the overall credit score. | | ||
| | ***Roles, Actors and Scope*** | **Roles:** Customer:User<br> **Actors:** Service Provider, Bank System, Rider, Application Service Provider (ASP), Communication Service Provider (CSP)<br> **Scope:** Retrieve relevant behavioral data about the riders from both the delivery apps and the CSP, enabling a comprehensive credit score calculation to support credit decisions for vehicle purchases. | | ||
| | ***Pre-conditions*** | The preconditions are listed below:<br><ol><li>The service provider is integrated with both the delivery applications and the CSP's Customer Insights API.</li><li>The rider has consented to share their delivery and telco data for credit assessment purposes.</li><li>The service provider has the necessary credentials to access Customer Insights API and the path to route to the right CSP.</li></ol> | | ||
| | ***Activities/Steps*** | **Begins when:** The service provider initiates a credit assessment for a rider interested in purchasing a vehicle (motorcycle, bicycle, or electric scooter).<br><br>**Steps include:**<br><ol><li>The service provider collects rider activity data from the delivery applications, including job completion rates, earnings, and overall performance.</li><li>The service provider makes a request to External Platforms API(s) available in the market (solution outside CAMARA, but to illustrate a real use case) using the collected data and rider consent details.</li><li>The external CSP processes the request and generates a preliminary credit score based on the rider's delivery activities.</li><li>The service provider then makes a request to the Customer Insights API to retrieve additional telco-related score about the rider.</li><li>The CSP processes the request and gathers telco-related behavioral insights. The CSP sends a final enhanced credit score to the service provider.</li><li>The service provider evaluates the received scores to assess the rider's creditworthiness for purchasing a vehicle.</li></ol><br> **Ends when:** The service provider either approves or declines the credit application based on the insights provided. | |
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The external CSP processes the request and generates a preliminary credit score based on the rider's delivery activities.
I guess it is external ASP not CSP
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What type of PR is this?
What this PR does / why we need it:
User Stories documentation for Customer Insights API
Which issue(s) this PR fixes:
Fixes #9
Special notes for reviewers:
N/A
Changelog input
Additional documentation
N/A