Use case 01
Explainable SME Risk Score
Three distinct assessments for Lumen Café & Bakery. Each is labelled by evidence basis and broken down into reason codes.
Illustrative Demo Data
Assessment A
Business Health
85Strong
Weighted sum of five components using fixed demonstration weights. Expand a code for its calculation.
Assessment B
Credit Risk
Pending lender outcome validation
A credit risk model must be trained and validated against real lender repayment outcomes before any probability of default can be shown. Required inputs:
- Bureau file (AKB)
- Fiscal transaction history ≥ 12 months
- Bank transaction data
- Invoice payment behaviour
- Lender repayment outcomes (model validation)
No credit risk score is displayed in this demo.
Assessment C
Affordability
Indicative monthly repayment headroom
808 ₼
Not a credit limit or eligibility decision
Missing evidence
- Bank transaction history (cash balances, inflows/outflows)
- Invoice payment dates (receivables timing)