Overview
Klavi provides the following data products(personal and business) based on open finance data, and each product data is divided into different levels based on the different data ranges:
- Institution-level: A user's account in a certain institution
- User-level: A user's account in multiple institutions
Open finance product
Product group | Product for personal | Product for business | Product level | Description | # Variables |
|---|---|---|---|---|---|
Statement | Institution-level | Checking account data: account number, balance, and transactions. | - | ||
| Institution-level | | | ||
| Institution-level | | | ||
| pf_balance | pj_balance | Institution-level | | |
| pf_loans | pj_loans | Institution-level | | |
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| pf_funds | pj_funds | Institution-level | | |
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
| Institution-level | | | ||
Credit Risk | N/A | User-level | | | |
| N/A | User-level | | | |
| pf_income | N/A | User-level | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| pf_score_l1 | N/A | User-level | | |
| pf_score_l2 | N/A | User-level | | |
| N/A | User-level | | | |
| pf_score_l5 | N/A | User-level | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | User-level | | | |
Market Intelligence | N/A | User-level | | | |
| N/A | User-level | | | |
| N/A | Institution-level | | | |
KYC | pf_identity | pj_identity | Institution-level | | |
Below are the product descriptions:
Product group | Product | Description | # Variables |
|---|---|---|---|
Statement | pf_checking_account | Checking account data: account number, balance, and transactions. | - |
| pf_savings_account | Savings account data: account number, balance, and transactions. | - |
| pf_credit_card | Credit card data: card number, limit, statements and transactions | - |
| pf_balance | Balance data: includes account number and balance for both checking and savings accounts. | - |
| pf_loans | Credit operation – Loans: contract data, loan amount, interest, installments, and payment history. | - |
| pf_financiang | Credit operation – Financing: contract data, financed amount, interest, installments, and payment history. | - |
| pf_invoice_financing | Credit operation – Invoice financings: contract data, amount, interest, installments, and payment history. | |
| pf_unarranged_account_overdraft | Credit operation – Advance to depositors: contract data, amount, interest, installments, and payment history. | |
| pf_variable_incomes | Investment type – Variable income: investment product data, balance, transactions, and brokerage note information. | |
| pf_bank_fixed_incomes | Investment type – Bank fixed income: investment product data, balance, and transactions. | |
| pf_funds | Investment type – Investment funds: investment product data, balance, and transactions. | |
| pf_credit_fixed_incomes | Investment type – Credit fixed income: investment product data, balance, and transactions. | |
| pf_treasure_titles | Investment type – Government bonds (Tesouro Direto): investment product data, balance, and transactions. | |
| pf_categorized_checking_l2 | Checking account data enriched with Klavi's intelligence: account number, balance, and transactions with categorization. Having 2 levels of categorization. | |
| pf_categorized_savings_l2 | Savings account data enriched with Klavi's intelligence: account number, balance, and transactions with categorization. Having 2 levels of categorization. | |
| pf_categorized_creditcard_l2 | Credit card statement. Includes all information such as credit limit and other card details, enriched with Klavi's intelligence. Having 2 levels of categorization. | - |
| pf_categorized_checking_l3 | Checking account data enriched with Klavi's intelligence: account number, balance, and transactions with advanced categorization. Having 3 levels of categorization. | - |
| pf_categorized_savings_l3 | Savings account data enriched with Klavi's intelligence: account number, balance, and transactions with advanced categorization. Having 3 levels of categorization. | - |
| pf_categorized_creditcard_l3 | Credit card statement. Includes all information such as credit limit and other card details, enriched with Klavi's intelligence. Having 3 levels of categorization. | - |
Credit Risk | pf_financial_entries | Cash flow-focused variables, identifying types of income and additional observed earnings. | 144 |
| pf_credit_risk | Variables focused on credit risk. Uses transactional data and information on contracted products and services from the shared bank. | 141 |
| pf_income | Returns three types of income: (1) observed income (formal jobs [CLT], public employee, companies, INSS, government benefits), (2) additional income (Uber, 99, card acquirer earnings), and (3) estimated income, inferred using transactional and financial product data. | 8 |
| pf_recurrent_expenses | Variables for recurring expenses, showing monthly inferences for 20 expense types. | 20 |
| pf_competing_debit | Variables that show the type of monthly income and the competition with other debits related to the main income receipt date. | - |
| pf_score_l1 | A credit score model developed by Klavi using only Open Finance data. | 1 |
| pf_score_l2 | A credit score model developed by Klavi using only Open Finance data. | 1 |
| pf_score_l3 | A credit score model developed by Klavi using only Open Finance data. | 1 |
| pf_score_l5 | A credit score model developed by Klavi using only Open Finance data. | 1 |
| pf_score_c1 | A credit score model developed by Klavi using only Open Finance data. | 1 |
Market Intelligence | pf_financial_products | Variables focused on financial products, including transactions and contracted products and services. Also includes current and savings account balances. | 105 |
| pf_non_financial_products | Variables focused on non-financial products, derived from transactional data related to essential services and lifestyle. | 56 |
| pf_principality | It is a scoring model that indicates the level of primacy of the connected account. | - |
KYC | pf_identity | Provides personal information (birthdate, gender, marital status, occupation, phone number, address, family), declared income, assets and salary portability. | - |