1. ADVANCE.AI
  2. FAQ
  3. Announcements

Release Note - [INDO] Multiplatform Detection V11

Avatar
Safitri Wulan Sari

Product Release: 

Product name: [INDO] Multiplatform Detection V11
Release date: April 16th 2024

 

Summary:

In this release V11, key things to note:

  • Highlight improved coverage, efficiency, and reliability of V11.
  • Introduce different output parameters
  • Update in response to new regulatory requirements ensuring compliance and data integrity
  • Include FAQ section explaining technical terms like feature definitions, percentile calculation, and company segmentation.
  • Require mandatory transition from v5-9 to v11 for service continuity
  • Failure to adopt V11 by 31st July 2024 may lead to compatibility issues and API usage disruptions.

Details:

Effective 16th April 2024, customers are required to transition from All Multiplatform Detection API (v5-9) to Multi-platform Detection v11 to maintain service continuity.

Multiplatform Detection v11 has been developed in response to new regulatory requirements ensuring compliance and data integrity. This update addresses regulatory mandates while maintaining the efficiency and reliability of our service.

  v11 Other Version
Coverage 99% 99%
AUC 0.65 0.58 – 0.62
Key Difference v11 introduces different output parameters

 

Requirement:
Customers are required to adopt v11 by 31st July 2024 To ensure a smooth transition, kindly follow the client migration guide below.


Note:

Failure to transition may result in compatibility issues and could lead to disruptions in API usage. It's crucial to update to v11 to avoid any adverse effects on your operations and maintain uninterrupted access to our services.

 

API Doc: https://doc.advance.ai/multi_platform_detect.html#multi-platform-detection 

API Doc For Different Versions

Product Name  Version  Performance  Parameters  API Doc  Product URL 
Multi
Platform Detection		 V11 Coverage: 99%
AUC: 0.65
  • Number of lending platforms from P2P/LOAN_AGGREGATION/MULTI_FINANCE/OTHER segmentation within the last 1/7/30/90/180/360 days checking applicant's ID/phone number

  • Percentile of number of customers within the last 30/90/180/360 days checking applicant’s ID/phone number

  • Time difference in hour between the apply time and the FIRST time point this applicant’s ID/phone number used our service within 360 days
 https://doc.advance.ai/multi_platform_detect.html https://api.advance.ai/openapi/default-detection/v11/multi-platform
Multi Platform Complex Detection V8 V11 > V8
Coverage: 99%
AUC:0.62
Number of lending platforms from BANK/CATE_B/KSP/LOAN_AGGREGATION/MULTI_FINANCE/OJK/OTHER_FINTECH segmentation within the last 1/3/6/12/24 hours or 3/7/14/21/30/60/90/180/360 days checking applicant’s ID/phone number

 https://doc.advance.ai/multi_platform_complex_detect.html https://api.advance.ai/openapi/verification/v2/multi-platform-complex
Multi Platform Detection New V6 V11 > V6 
Coverage: 99%
AUC:0.58
Checking applicant’s ID number:

1. statisticCustomerInfo：number of platforms within the last 7/14/21/30/60/90 days

2. lastTwoWeeksQueryInfo：The peak number of the queries in the 1,3, 6, 12, and 24-hour time slice within the last 2 weeks, as well as the number that peak value occurs

 Multi Platform Detection-v6(token).pdf (attached below) https://api.advance.ai/openapi/verification/v6/multi-platform

 

Parameters Description For Multi-Platform V11

num paremeter name paremeter EN description
1 GD_X_1 time difference in hour between the apply time and the FIRST time point this applicant’s ID number used our service within 8640 hours(360 days)
2 GD_X_2 time difference in hour between the apply time and the LAST time point this applicant’s ID number used our service within 8640 hours(360 days)
3 GD_X_3 number of customers from P2P segmentation within the last 24 hours (1 day) checking applicant’s ID number
4 GD_X_4 number of customers from P2P segmentation within the last 168 hours (7 days) checking applicant’s ID number
5 GD_X_5 number of customers from P2P segmentation within the last 720 hours (30 days) checking applicant’s ID number
6 GD_X_6 number of customers from P2P segmentation within the last 2160 hours (90 days) checking applicant’s ID number
7 GD_X_7 number of customers from P2P segmentation within the last 4320 hours (180 days) checking applicant’s ID number
8 GD_X_8 number of customers from P2P segmentation within the last 8640 hours (360 days) checking applicant’s ID number
9 GD_X_9 number of customers from MULTI_FINANCE segmentation within the last 24 hours (1 day) checking applicant’s ID number
10 GD_X_10 number of customers from MULTI_FINANCE segmentation within the last 168 hours (7 days) checking applicant’s ID number
11 GD_X_11 number of customers from MULTI_FINANCE segmentation within the last 720 hours (30 days) checking applicant’s ID number
12 GD_X_12 number of customers from MULTI_FINANCE segmentation within the last 2160 hours (90 days) checking applicant’s ID number
13 GD_X_13 number of customers from MULTI_FINANCE segmentation within the last 4320 hours (180 days) checking applicant’s ID number
14 GD_X_14 number of customers from MULTI_FINANCE segmentation within the last 8640 hours (360 days) checking applicant’s ID number
15 GD_X_15 number of customers from LOAN_SUPERMARKET segmentation within the last 24 hours (1 day) checking applicant’s ID number
16 GD_X_16 number of customers from LOAN_SUPERMARKET segmentation within the last 168 hours (7 days) checking applicant’s ID number
17 GD_X_17 number of customers from LOAN_SUPERMARKET segmentation within the last 720 hours (30 days) checking applicant’s ID number
18 GD_X_18 number of customers from LOAN_SUPERMARKET segmentation within the last 2160 hours (90 days) checking applicant’s ID number
19 GD_X_19 number of customers from LOAN_SUPERMARKET segmentation within the last 4320 hours (180 days) checking applicant’s ID number
20 GD_X_20 number of customers from LOAN_SUPERMARKET segmentation within the last 8640 hours (360 days) checking applicant’s ID number
21 GD_X_21 number of customers from OTHER segmentation within the last 24 hours (1 day) checking applicant’s ID number
22 GD_X_22 number of customers from OTHER segmentation within the last 168 hours (7 days) checking applicant’s ID number
23 GD_X_23 number of customers from OTHER segmentation within the last 720 hours (30 days) checking applicant’s ID number
24 GD_X_24 number of customers from OTHER segmentation within the last 2160 hours (90 days) checking applicant’s ID number
25 GD_X_25 number of customers from OTHER segmentation within the last 4320 hours (180 days) checking applicant’s ID number
26 GD_X_26 number of customers from OTHER segmentation within the last 8640 hours (360 days) checking applicant’s ID number
27 GD_X_27 percentile of number of customers within the last 720 hours (30 days) checking applicant’s ID number
28 GD_X_28 percentile of number of customers within the last 2160 hours (90 days) checking applicant’s ID number
29 GD_X_29 percentile of number of customers within the last 4320 hours (180 days) checking applicant’s ID number
30 GD_X_30 percentile of number of customers within the last 8640 hours (360 days) checking applicant’s ID number
31 GD_X_31 time difference in hour between the apply time and the FIRST time point this applicant’s phone number used our service within 8640 hours(360 days)
32 GD_X_32 time difference in hour between the apply time and the LAST time point this applicant’s phone number used our service within 8640 hours(360 days)
33 GD_X_33 number of customers from P2P segmentation within the last 24 hours (1 day) checking applicant’s phone number
34 GD_X_34 number of customers from P2P segmentation within the last 168 hours (7 days) checking applicant’s phone number
35 GD_X_35 number of customers from P2P segmentation within the last 720 hours (30 days) checking applicant’s phone number
36 GD_X_36 number of customers from P2P segmentation within the last 2160 hours (90 days) checking applicant’s phone number
37 GD_X_37 number of customers from P2P segmentation within the last 4320 hours (180 days) checking applicant’s phone number
38 GD_X_38 number of customers from P2P segmentation within the last 8640 hours (360 days) checking applicant’s phone number
39 GD_X_39 number of customers from MULTI_FINANCE segmentation within the last 24 hours (1 day) checking applicant’s phone number
40 GD_X_40 number of customers from MULTI_FINANCE segmentation within the last 168 hours (7 days) checking applicant’s phone number
41 GD_X_41 number of customers from MULTI_FINANCE segmentation within the last 720 hours (30 days) checking applicant’s phone number
42 GD_X_42 number of customers from MULTI_FINANCE segmentation within the last 2160 hours (90 days) checking applicant’s phone number
43 GD_X_43 number of customers from MULTI_FINANCE segmentation within the last 4320 hours (180 days) checking applicant’s phone number
44 GD_X_44 number of customers from MULTI_FINANCE segmentation within the last 8640 hours (360 days) checking applicant’s phone number
45 GD_X_45 number of customers from LOAN_SUPERMARKET segmentation within the last 24 hours (1 day) checking applicant’s phone number
46 GD_X_46 number of customers from LOAN_SUPERMARKET segmentation within the last 168 hours (7 days) checking applicant’s phone number
47 GD_X_47 number of customers from LOAN_SUPERMARKET segmentation within the last 720 hours (30 days) checking applicant’s phone number
48 GD_X_48 number of customers from LOAN_SUPERMARKET segmentation within the last 2160 hours (90 days) checking applicant’s phone number
49 GD_X_49 number of customers from LOAN_SUPERMARKET segmentation within the last 4320 hours (180 days) checking applicant’s phone number
50 GD_X_50 number of customers from LOAN_SUPERMARKET segmentation within the last 8640 hours (360 days) checking applicant’s phone number
51 GD_X_51 number of customers from OTHER segmentation within the last 24 hours (1 day) checking applicant’s phone number
52 GD_X_52 number of customers from OTHER segmentation within the last 168 hours (7 days) checking applicant’s phone number
53 GD_X_53 number of customers from OTHER segmentation within the last 720 hours (30 days) checking applicant’s phone number
54 GD_X_54 number of customers from OTHER segmentation within the last 2160 hours (90 days) checking applicant’s phone number
55 GD_X_55 number of customers from OTHER segmentation within the last 4320 hours (180 days) checking applicant’s phone number
56 GD_X_56 number of customers from OTHER segmentation within the last 8640 hours (360 days) checking applicant’s phone number
57 GD_X_57 percentile of number of customers within the last 720 hours (30 days) checking applicant’s phone number
58 GD_X_58 percentile of number of customers within the last 2160 hours (90 days) checking applicant’s phone number
59 GD_X_59 percentile of number of customers within the last 4320 hours (180 days) checking applicant’s phone number
60 GD_X_60 percentile of number of customers within the last 8640 hours (360 days) checking applicant’s phone number



FAQ

  1. How is the 60 features being defined? 60 features is defined by the distinct number of customers under different company segmentations and different time slices (e.g. 1, 7, 30, 90, 180, 360 days)

  2. How is the percentile of number of lending platforms for different time slices being derived?

    Percentile value of platform count number =

    compare the # of lending platforms of each user obtained in step #2 with the market platform number obtained in step #1

     

    Step 1  of market lending platform count = using last 30 days of loan application data in our database to calculate the distinct number of all our lending platforms in the market and rank them by platform counts and generate the corresponding percentile values.

    For example, 10% quartile of market lending count is 1, 20% quartile of market platform count is 2 … 90% quartile is 7, 100% quartile (the maximum count number) is 14


    Step 2 Calculate the number of lending platforms for each end user (applicant)

    For example, if the user's percentile value of distinct customer numbers within the 90 days is 0.3, it indicates that the number of applied lending platforms this end user has applied within the last 90 days is greater than or equal to 30% of market users.

  3. Definition of “Time difference” in feature? Time difference in hour between the apply time and the FIRST/LAST time this applicant’s ID/phone number ever inquired by our service within 360 days

  4. What are the company segmentation?

Segmentation Description
P2P

All OJK-licenced P2P lending platforms. A P2P is a financial institution that facilitates peer-to-peer lending, which is a form of borrowing and lending money without the involvement of traditional financial intermediaries like banks. In P2P lending, individuals or businesses can borrow money directly from other individuals or businesses through an online platform.
LOAN_AGGREGATOR

A loan aggregator is commonly used to describe a platform or website where borrowers can compare multiple loan options from various lenders in one place, or we call it a marketplace for loans. In a loan aggregator, borrowers can enter their specific loan requirements and preferences, such as loan amount, repayment term, and interest rate, etc. Then, the platform presents them with a range of loan options from different lenders that meet their requirements.
MULTI_FINANCE

The MULTI_FINANCE platforms are regulated by OJK and are companies that provide various types of financial services, such as leasing, factoring, consumer financing, and other related services.
OTHER

Types of platforms other than the above three, such as payment, e-commerce, solution provider, etc.

 

 

 

Articles in this section

Was this article helpful?
36 out of 37 found this helpful

Comments

0 comments

Please sign in to leave a comment.