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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
13,590,693 | "2024-05-02T00:00:00" | 199,947 | false | bias_high_tpv | 2,146 | 102 | 63 | cnpj | Electronic Retail | Comércio varejista especializado de equipamentos de telefonia e comunicação | 4,233.75 | 1,836 | 494 | 49.739553 | 1,200 | 0.11336 | null | -0.808393 | 0.920987 | 1 | 11 | 33,786.304029 | 1 | 28 | 382,100 | null | 0 | 0 | 0.099639 | 3.616822 | 16 | 82 | 1.030769 | 4 | 725.25 | 4,623 | 0.288462 | 0.765625 | 100 | 0.959524 | 0 | 0.040476 | 49.739553 | null | 28.411765 | 0.021127 | 0.401408 | 0.577465 | 0 | null | null | null | 5,779.19 | 0.099966 | merchant profile | the merchant's business | has been operational for 63.0 months | is registered under cnpj | the business | operates in the Electronic Retail category | has a classification of Comércio varejista especializado de equipamentos de telefonia e comunicação | over the last five days | over the last week, the approved transaction amount was R$ 1836.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 4233.75 | revenue growth rate was -80.84% | the average transaction value was R$ 49.74 | the largest transaction recorded at R$ 1200.00 | out of the total 494 transactions | 11.34% accounted for denied transactions | in the past year | the revenue stability index was 0.92 | January being the highest revenue month | November the lowest | cash flow and expenses | the merchant made 28 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 33786.30 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 5779.19 | 10.00% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 16.0 months | in the past 3 months the merchant | interacted with support 4 times | has an average first reply time of 12m | the application was used 1h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 0 transactions with insufficient funds | the top customer accounted for 9.96% of the revenue | the transaction count changed by 361.68% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 100 | 28.85% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 76.56% | Their average number of installments is 1.03 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 95.95% of all payments | with an average value of R$ 49.74 | payment links represented 0.00% | pix transactions constituted 4.05% | transactions were distributed during the day as follows | 0.00% at dawn | 2.11% in the morning | 40.14% in the afternoon | 57.75% in the evening | 102.18 | 387.52 | 2,146.08 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 63.0 months, and is registered under cnpj. The business, operates in the Electronic Retail category, and has a classification of Comércio varejista especializado de equipamentos de telefonia e comunicação. Over the last five days. Over the last week, the approved transaction amount was R$ 1836.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 4233.75, and revenue growth rate was -80.84%. The average transaction value was R$ 49.74 and the largest transaction recorded at R$ 1200.00. Out of the total 494 transactions and 11.34% accounted for denied transactions. In the past year, the revenue stability index was 0.92, January being the highest revenue month, and November the lowest.
Cash flow and expenses. The merchant made 28 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 33786.30, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 5779.19 and 10.00% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 16.0 months. In the past 3 months the merchant, interacted with support 4 times, has an average first reply time of 12m, and the application was used 1h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 0 transactions with insufficient funds. The top customer accounted for 9.96% of the revenue. The transaction count changed by 361.68% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 100 and 28.85% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 76.56%. Their average number of installments is 1.03.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 95.95% of all payments and with an average value of R$ 49.74. Payment links represented 0.00%. Pix transactions constituted 4.05%. Transactions were distributed during the day as follows, 0.00% at dawn, 2.11% in the morning, 40.14% in the afternoon, and 57.75% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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14,838,609 | "2024-05-06T00:00:00" | 203,869 | false | bias_high_tpv | 6,045 | 3,368 | 140 | cnpj | Restaurants/Bars | Lanchonetes, casas de chá, de sucos e similares | 11,616 | 4,327 | 609 | 64.753074 | 300 | 0.029557 | null | 0.399754 | 0.981142 | 1 | 9 | 14,480.37037 | 90 | 5 | 49,390 | null | 0 | 1 | 0.007124 | 3.95122 | 22 | 89 | 1 | null | null | 2,663 | 0.155063 | 0.153153 | 168 | 0.969178 | 0 | 0.030822 | 64.753074 | null | 60.772222 | 0 | 0 | 0.973958 | 0.026042 | null | null | null | 5,000 | 0.0064 | merchant profile | the merchant's business | has been operational for 140.0 months | is registered under cnpj | the business | operates in the Restaurants/Bars category | has a classification of Lanchonetes, casas de chá, de sucos e similares | over the last five days | over the last week, the approved transaction amount was R$ 4327.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 11616.00 | revenue growth rate was 39.98% | the average transaction value was R$ 64.75 | the largest transaction recorded at R$ 300.00 | out of the total 609 transactions | 2.96% accounted for denied transactions | in the past year | the revenue stability index was 0.98 | January being the highest revenue month | September the lowest | cash flow and expenses | the merchant made 5 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 14480.37 | the lowest recorded balance being R$ 90.00 | the total credit available to the merchant is R$ 5000.00 | 0.64% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 22.0 months | in the past 3 months the merchant | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 1 transactions with insufficient funds | the top customer accounted for 0.71% of the revenue | the transaction count changed by 395.12% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 168 | 15.51% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 15.32% | Their average number of installments is 1.00 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 96.92% of all payments | with an average value of R$ 64.75 | payment links represented 0.00% | pix transactions constituted 3.08% | transactions were distributed during the day as follows | 2.60% at dawn | 0.00% in the morning | 0.00% in the afternoon | 97.40% in the evening | 3,367.5 | 3,103.45 | 6,045.28 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 140.0 months, and is registered under cnpj. The business, operates in the Restaurants/Bars category, and has a classification of Lanchonetes, casas de chá, de sucos e similares. Over the last five days. Over the last week, the approved transaction amount was R$ 4327.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 11616.00, and revenue growth rate was 39.98%. The average transaction value was R$ 64.75 and the largest transaction recorded at R$ 300.00. Out of the total 609 transactions and 2.96% accounted for denied transactions. In the past year, the revenue stability index was 0.98, January being the highest revenue month, and September the lowest.
Cash flow and expenses. The merchant made 5 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 14480.37, and the lowest recorded balance being R$ 90.00. The total credit available to the merchant is R$ 5000.00 and 0.64% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 22.0 months. In the past 3 months the merchant and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 1 transactions with insufficient funds. The top customer accounted for 0.71% of the revenue. The transaction count changed by 395.12% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 168 and 15.51% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 15.32%. Their average number of installments is 1.00.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 96.92% of all payments and with an average value of R$ 64.75. Payment links represented 0.00%. Pix transactions constituted 3.08%. Transactions were distributed during the day as follows, 2.60% at dawn, 0.00% in the morning, 0.00% in the afternoon, and 97.40% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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1,569,783 | "2024-05-10T00:00:00" | 210,359 | true | bias_high_tpv | 1,008 | 1,041 | 44 | cnpj | Gas Station | Comércio varejista de gás liqüefeito de petróleo (GLP) | 15,426.25 | 3,451.77 | 1,843 | 29.154027 | 2,248.96 | 0.111232 | null | 1.534752 | 0.7083 | 1 | 6 | 52,532.344262 | 1 | 4 | 416,659 | null | 4 | 45 | 0.037594 | 7.734597 | 22 | 89 | 1.034429 | 6 | 1,473.666667 | 6,876 | 0.389976 | 0.927203 | 269 | 0.977146 | 0 | 0.022854 | 29.154027 | null | 19.157568 | 0.391437 | 0.380734 | 0.227829 | 0 | 99.228374 | 3,698.52 | null | 143,971.26 | 0.603292 | merchant profile | the merchant's business | has been operational for 44.0 months | is registered under cnpj | the business | operates in the Gas Station category | has a classification of Comércio varejista de gás liqüefeito de petróleo (GLP) | over the last five days | the approved transaction amount was R$ 3698.52 | the rolling average for businesses in this classification was R$ 99.23 | over the last week, the approved transaction amount was R$ 3451.77 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 15426.25 | revenue growth rate was 153.48% | the average transaction value was R$ 29.15 | the largest transaction recorded at R$ 2248.96 | out of the total 1843 transactions | 11.12% accounted for denied transactions | in the past year | the revenue stability index was 0.71 | January being the highest revenue month | June the lowest | cash flow and expenses | the merchant made 4 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 52532.34 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 143971.26 | 60.33% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 22.0 months | in the past 3 months the merchant | interacted with support 6 times | has an average first reply time of 24m | the application was used 1h over the past month | risk indicators | the merchant processed in the last month | 4 transactions flagged for fraud | 45 transactions with insufficient funds | the top customer accounted for 3.76% of the revenue | the transaction count changed by 773.46% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 269 | 39.00% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 92.72% | Their average number of installments is 1.03 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 97.71% of all payments | with an average value of R$ 29.15 | payment links represented 0.00% | pix transactions constituted 2.29% | transactions were distributed during the day as follows | 0.00% at dawn | 39.14% in the morning | 38.07% in the afternoon | 22.78% in the evening | 1,041.22 | 0 | 1,007.55 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 44.0 months, and is registered under cnpj. The business, operates in the Gas Station category, and has a classification of Comércio varejista de gás liqüefeito de petróleo (GLP). Over the last five days, the approved transaction amount was R$ 3698.52, and the rolling average for businesses in this classification was R$ 99.23. Over the last week, the approved transaction amount was R$ 3451.77.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 15426.25, and revenue growth rate was 153.48%. The average transaction value was R$ 29.15 and the largest transaction recorded at R$ 2248.96. Out of the total 1843 transactions and 11.12% accounted for denied transactions. In the past year, the revenue stability index was 0.71, January being the highest revenue month, and June the lowest.
Cash flow and expenses. The merchant made 4 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 52532.34, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 143971.26 and 60.33% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 22.0 months. In the past 3 months the merchant, interacted with support 6 times, has an average first reply time of 24m, and the application was used 1h over the past month.
Risk indicators. The merchant processed in the last month, 4 transactions flagged for fraud, and 45 transactions with insufficient funds. The top customer accounted for 3.76% of the revenue. The transaction count changed by 773.46% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 269 and 39.00% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 92.72%. Their average number of installments is 1.03.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 97.71% of all payments and with an average value of R$ 29.15. Payment links represented 0.00%. Pix transactions constituted 2.29%. Transactions were distributed during the day as follows, 0.00% at dawn, 39.14% in the morning, 38.07% in the afternoon, and 22.78% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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12,109,454 | "2024-05-17T00:00:00" | 218,750 | true | bias_high_tpv | 3,013 | 3,298 | 52 | cnpj | Electronic Retail | Comércio varejista especializado de equipamentos de telefonia e comunicação | 7,616 | 5,690 | 245 | 92.008108 | 3,500 | 0.040816 | null | -0.481707 | 0.940225 | 1 | 6 | 18,708.803175 | 1 | 44 | 586,800 | null | 0 | 2 | 0.066897 | 1.333333 | 19 | 69 | 1.431034 | 3 | 548.666667 | 25,159 | 0.078189 | 0.697674 | 52 | 0.666667 | 0 | 0.333333 | 92.008108 | null | 52.905405 | 0.204545 | 0.75 | 0.045455 | 0 | null | null | null | 30,002.03 | 0.993068 | merchant profile | the merchant's business | has been operational for 52.0 months | is registered under cnpj | the business | operates in the Electronic Retail category | has a classification of Comércio varejista especializado de equipamentos de telefonia e comunicação | over the last five days | over the last week, the approved transaction amount was R$ 5690.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 7616.00 | revenue growth rate was -48.17% | the average transaction value was R$ 92.01 | the largest transaction recorded at R$ 3500.00 | out of the total 245 transactions | 4.08% accounted for denied transactions | in the past year | the revenue stability index was 0.94 | January being the highest revenue month | June the lowest | cash flow and expenses | the merchant made 44 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 18708.80 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 30002.03 | 99.31% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 19.0 months | in the past 3 months the merchant | interacted with support 3 times | has an average first reply time of 9m | the application was used 6h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 2 transactions with insufficient funds | the top customer accounted for 6.69% of the revenue | the transaction count changed by 133.33% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 52 | 7.82% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 69.77% | Their average number of installments is 1.43 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 66.67% of all payments | with an average value of R$ 92.01 | payment links represented 0.00% | pix transactions constituted 33.33% | transactions were distributed during the day as follows | 0.00% at dawn | 20.45% in the morning | 75.00% in the afternoon | 4.55% in the evening | 3,297.91 | 0 | 3,012.57 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 52.0 months, and is registered under cnpj. The business, operates in the Electronic Retail category, and has a classification of Comércio varejista especializado de equipamentos de telefonia e comunicação. Over the last five days. Over the last week, the approved transaction amount was R$ 5690.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 7616.00, and revenue growth rate was -48.17%. The average transaction value was R$ 92.01 and the largest transaction recorded at R$ 3500.00. Out of the total 245 transactions and 4.08% accounted for denied transactions. In the past year, the revenue stability index was 0.94, January being the highest revenue month, and June the lowest.
Cash flow and expenses. The merchant made 44 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 18708.80, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 30002.03 and 99.31% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 19.0 months. In the past 3 months the merchant, interacted with support 3 times, has an average first reply time of 9m, and the application was used 6h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 2 transactions with insufficient funds. The top customer accounted for 6.69% of the revenue. The transaction count changed by 133.33% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 52 and 7.82% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 69.77%. Their average number of installments is 1.43.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 66.67% of all payments and with an average value of R$ 92.01. Payment links represented 0.00%. Pix transactions constituted 33.33%. Transactions were distributed during the day as follows, 0.00% at dawn, 20.45% in the morning, 75.00% in the afternoon, and 4.55% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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16,040,997 | "2024-05-09T00:00:00" | 208,075 | false | bias_high_tpv | 1,713 | 77 | 155 | cnpj | null | Comércio varejista de artigos do vestuário e acessórios | 20,635.72 | 6,662.69 | 398 | 238.54481 | 5,000 | 0.080402 | null | 0.835918 | 0.950231 | 1 | 6 | 78,780.45509 | 3 | 22 | 954,788 | null | 10 | 0 | 0.094884 | -0.138528 | 23 | 74 | 2.093458 | null | null | 3,916 | 0.119403 | 0.762887 | 96 | 0.616519 | 0.00295 | 0.380531 | 237.604833 | 435 | 159.906744 | 0.319149 | 0.494681 | 0.18617 | 0 | 163.841381 | 4,245.79 | null | 283,140.45 | 0.870272 | merchant profile | the merchant's business | has been operational for 155.0 months | is registered under cnpj | the business | has a classification of Comércio varejista de artigos do vestuário e acessórios | over the last five days | the approved transaction amount was R$ 4245.79 | the rolling average for businesses in this classification was R$ 163.84 | over the last week, the approved transaction amount was R$ 6662.69 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 20635.72 | revenue growth rate was 83.59% | the average transaction value was R$ 238.54 | the largest transaction recorded at R$ 5000.00 | out of the total 398 transactions | 8.04% accounted for denied transactions | in the past year | the revenue stability index was 0.95 | January being the highest revenue month | June the lowest | cash flow and expenses | the merchant made 22 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 78780.46 | the lowest recorded balance being R$ 3.00 | the total credit available to the merchant is R$ 283140.45 | 87.03% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 23.0 months | in the past 3 months the merchant | the application was used 1h over the past month | risk indicators | the merchant processed in the last month | 10 transactions flagged for fraud | 0 transactions with insufficient funds | the top customer accounted for 9.49% of the revenue | the transaction count changed by -13.85% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 96 | 11.94% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 76.29% | Their average number of installments is 2.09 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 61.65% of all payments | with an average value of R$ 237.60 | payment links represented 0.29% | with an average value of R$ 435.00 | pix transactions constituted 38.05% | transactions were distributed during the day as follows | 0.00% at dawn | 31.91% in the morning | 49.47% in the afternoon | 18.62% in the evening | 76.87 | 57.37 | 1,712.83 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 155.0 months, and is registered under cnpj. The business and has a classification of Comércio varejista de artigos do vestuário e acessórios. Over the last five days, the approved transaction amount was R$ 4245.79, and the rolling average for businesses in this classification was R$ 163.84. Over the last week, the approved transaction amount was R$ 6662.69.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 20635.72, and revenue growth rate was 83.59%. The average transaction value was R$ 238.54 and the largest transaction recorded at R$ 5000.00. Out of the total 398 transactions and 8.04% accounted for denied transactions. In the past year, the revenue stability index was 0.95, January being the highest revenue month, and June the lowest.
Cash flow and expenses. The merchant made 22 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 78780.46, and the lowest recorded balance being R$ 3.00. The total credit available to the merchant is R$ 283140.45 and 87.03% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 23.0 months. In the past 3 months the merchant and the application was used 1h over the past month.
Risk indicators. The merchant processed in the last month, 10 transactions flagged for fraud, and 0 transactions with insufficient funds. The top customer accounted for 9.49% of the revenue. The transaction count changed by -13.85% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 96 and 11.94% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 76.29%. Their average number of installments is 2.09.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 61.65% of all payments and with an average value of R$ 237.60. Payment links represented 0.29% and with an average value of R$ 435.00. Pix transactions constituted 38.05%. Transactions were distributed during the day as follows, 0.00% at dawn, 31.91% in the morning, 49.47% in the afternoon, and 18.62% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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12,112,701 | "2024-05-03T00:00:00" | 201,842 | true | bias_high_tpv | 2,741 | 3,062 | 80 | cnpj | Restaurants/Bars | Bares e outros estabelecimentos especializados em servir bebidas, sem entretenimento | 6,089.8 | 1,618.25 | 839 | 29.505413 | 2,214.84 | 0.061979 | null | -0.584603 | 1.232035 | 11 | 2 | 30,067 | 18 | 3 | 4,500 | null | 0 | 12 | 0.09632 | -0.302577 | 17 | 84 | 1.003322 | 2 | null | 716 | 0.471503 | 0.980769 | 138 | 0.992308 | 0 | 0.007692 | 29.505413 | null | 24.75 | 0.036424 | 0.413907 | 0.546358 | 0.003311 | null | null | null | 2,920.9 | 0.929919 | merchant profile | the merchant's business | has been operational for 80.0 months | is registered under cnpj | the business | operates in the Restaurants/Bars category | has a classification of Bares e outros estabelecimentos especializados em servir bebidas, sem entretenimento | over the last five days | over the last week, the approved transaction amount was R$ 1618.25 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 6089.80 | revenue growth rate was -58.46% | the average transaction value was R$ 29.51 | the largest transaction recorded at R$ 2214.84 | out of the total 839 transactions | 6.20% accounted for denied transactions | in the past year | the revenue stability index was 1.23 | November being the highest revenue month | February the lowest | cash flow and expenses | the merchant made 3 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 30067.00 | the lowest recorded balance being R$ 18.00 | the total credit available to the merchant is R$ 2920.90 | 92.99% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 17.0 months | in the past 3 months the merchant | interacted with support 2 times | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 12 transactions with insufficient funds | the top customer accounted for 9.63% of the revenue | the transaction count changed by -30.26% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 138 | 47.15% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 98.08% | Their average number of installments is 1.00 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 99.23% of all payments | with an average value of R$ 29.51 | payment links represented 0.00% | pix transactions constituted 0.77% | transactions were distributed during the day as follows | 0.33% at dawn | 3.64% in the morning | 41.39% in the afternoon | 54.64% in the evening | 3,062.22 | 0 | 2,740.53 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 80.0 months, and is registered under cnpj. The business, operates in the Restaurants/Bars category, and has a classification of Bares e outros estabelecimentos especializados em servir bebidas, sem entretenimento. Over the last five days. Over the last week, the approved transaction amount was R$ 1618.25.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 6089.80, and revenue growth rate was -58.46%. The average transaction value was R$ 29.51 and the largest transaction recorded at R$ 2214.84. Out of the total 839 transactions and 6.20% accounted for denied transactions. In the past year, the revenue stability index was 1.23, November being the highest revenue month, and February the lowest.
Cash flow and expenses. The merchant made 3 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 30067.00, and the lowest recorded balance being R$ 18.00. The total credit available to the merchant is R$ 2920.90 and 92.99% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 17.0 months. In the past 3 months the merchant, interacted with support 2 times, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 12 transactions with insufficient funds. The top customer accounted for 9.63% of the revenue. The transaction count changed by -30.26% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 138 and 47.15% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 98.08%. Their average number of installments is 1.00.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 99.23% of all payments and with an average value of R$ 29.51. Payment links represented 0.00%. Pix transactions constituted 0.77%. Transactions were distributed during the day as follows, 0.33% at dawn, 3.64% in the morning, 41.39% in the afternoon, and 54.64% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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4,714,472 | "2024-05-10T00:00:00" | 210,415 | true | bias_high_tpv | 5,038 | 5,468 | 67 | cnpj | Grocery | Fornecimento de alimentos preparados preponderantemente para empresas | 8,244.99 | 1,203 | 729 | 32.416672 | 871.96 | 0.034294 | null | -0.842424 | 1.429126 | 12 | 2 | 142,856.53481 | 18,229 | 12 | 301,079 | 0.676182 | 0 | 7 | 0.077487 | 0.765133 | 13 | 76 | 1.053191 | 1 | null | 5,264 | 0.209821 | 0.902985 | 205 | 0.962804 | 0 | 0.037196 | 32.416672 | null | 24.152692 | 0.347518 | 0.624113 | 0.028369 | 0 | 52.472973 | 2,392.96 | null | 3,900 | 0 | merchant profile | the merchant's business | has been operational for 67.0 months | is registered under cnpj | the business | operates in the Grocery category | has a classification of Fornecimento de alimentos preparados preponderantemente para empresas | over the last five days | the approved transaction amount was R$ 2392.96 | the rolling average for businesses in this classification was R$ 52.47 | over the last week, the approved transaction amount was R$ 1203.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 8244.99 | revenue growth rate was -84.24% | the average transaction value was R$ 32.42 | the largest transaction recorded at R$ 871.96 | out of the total 729 transactions | 3.43% accounted for denied transactions | in the past year | the revenue stability index was 1.43 | December being the highest revenue month | February the lowest | cash flow and expenses | the merchant made 12 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 142856.53 | the lowest recorded balance being R$ 18229.00 | amounts spent on bills accounted for 67.62% of monthly revenue | the total credit available to the merchant is R$ 3900.00 | 0.00% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 13.0 months | in the past 3 months the merchant | interacted with support 1 times | the application was used 1h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 7 transactions with insufficient funds | the top customer accounted for 7.75% of the revenue | the transaction count changed by 76.51% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 205 | 20.98% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 90.30% | Their average number of installments is 1.05 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 96.28% of all payments | with an average value of R$ 32.42 | payment links represented 0.00% | pix transactions constituted 3.72% | transactions were distributed during the day as follows | 0.00% at dawn | 34.75% in the morning | 62.41% in the afternoon | 2.84% in the evening | 5,467.91 | 0 | 5,037.74 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 67.0 months, and is registered under cnpj. The business, operates in the Grocery category, and has a classification of Fornecimento de alimentos preparados preponderantemente para empresas. Over the last five days, the approved transaction amount was R$ 2392.96, and the rolling average for businesses in this classification was R$ 52.47. Over the last week, the approved transaction amount was R$ 1203.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 8244.99, and revenue growth rate was -84.24%. The average transaction value was R$ 32.42 and the largest transaction recorded at R$ 871.96. Out of the total 729 transactions and 3.43% accounted for denied transactions. In the past year, the revenue stability index was 1.43, December being the highest revenue month, and February the lowest.
Cash flow and expenses. The merchant made 12 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 142856.53, and the lowest recorded balance being R$ 18229.00. Amounts spent on bills accounted for 67.62% of monthly revenue. The total credit available to the merchant is R$ 3900.00 and 0.00% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 13.0 months. In the past 3 months the merchant, interacted with support 1 times, and the application was used 1h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 7 transactions with insufficient funds. The top customer accounted for 7.75% of the revenue. The transaction count changed by 76.51% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 205 and 20.98% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 90.30%. Their average number of installments is 1.05.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 96.28% of all payments and with an average value of R$ 32.42. Payment links represented 0.00%. Pix transactions constituted 3.72%. Transactions were distributed during the day as follows, 0.00% at dawn, 34.75% in the morning, 62.41% in the afternoon, and 2.84% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant. User will you give you a task. Your goal is to complete the task as faithfully as you can. While performing the task think step-by-step and justify your steps. |
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15,872,523 | "2024-05-09T00:00:00" | 209,358 | true | bias_high_tpv | 1,874 | 1,989 | 16 | cnpj | Odontology Health | Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | 12,029.55 | 4,144.96 | 1,239 | 31.100128 | 2,000 | 0.058918 | null | 1.495058 | 2.047216 | 12 | 2 | 18,607.406452 | 40 | 7 | 51,070 | null | 1 | 6 | 0.185124 | 2.765957 | 16 | 90 | 1.021333 | 3 | 26 | 3,179 | 0.371739 | 0.910448 | 265 | 0.889571 | 0 | 0.110429 | 31.100128 | null | 19.615952 | 0.36019 | 0.42891 | 0.2109 | 0 | null | null | null | 26,373.85 | 0.857816 | merchant profile | the merchant's business | has been operational for 16.0 months | is registered under cnpj | the business | operates in the Odontology Health category | has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | over the last five days | over the last week, the approved transaction amount was R$ 4144.96 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 12029.55 | revenue growth rate was 149.51% | the average transaction value was R$ 31.10 | the largest transaction recorded at R$ 2000.00 | out of the total 1239 transactions | 5.89% accounted for denied transactions | in the past year | the revenue stability index was 2.05 | December being the highest revenue month | February the lowest | cash flow and expenses | the merchant made 7 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 18607.41 | the lowest recorded balance being R$ 40.00 | the total credit available to the merchant is R$ 26373.85 | 85.78% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 16.0 months | in the past 3 months the merchant | interacted with support 3 times | has an average first reply time of 1m | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 1 transactions flagged for fraud | 6 transactions with insufficient funds | the top customer accounted for 18.51% of the revenue | the transaction count changed by 276.60% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 265 | 37.17% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 91.04% | Their average number of installments is 1.02 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 88.96% of all payments | with an average value of R$ 31.10 | payment links represented 0.00% | pix transactions constituted 11.04% | transactions were distributed during the day as follows | 0.00% at dawn | 36.02% in the morning | 42.89% in the afternoon | 21.09% in the evening | 1,988.88 | 0 | 1,874.04 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 16.0 months, and is registered under cnpj. The business, operates in the Odontology Health category, and has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas. Over the last five days. Over the last week, the approved transaction amount was R$ 4144.96.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 12029.55, and revenue growth rate was 149.51%. The average transaction value was R$ 31.10 and the largest transaction recorded at R$ 2000.00. Out of the total 1239 transactions and 5.89% accounted for denied transactions. In the past year, the revenue stability index was 2.05, December being the highest revenue month, and February the lowest.
Cash flow and expenses. The merchant made 7 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 18607.41, and the lowest recorded balance being R$ 40.00. The total credit available to the merchant is R$ 26373.85 and 85.78% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 16.0 months. In the past 3 months the merchant, interacted with support 3 times, has an average first reply time of 1m, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 1 transactions flagged for fraud, and 6 transactions with insufficient funds. The top customer accounted for 18.51% of the revenue. The transaction count changed by 276.60% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 265 and 37.17% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 91.04%. Their average number of installments is 1.02.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 88.96% of all payments and with an average value of R$ 31.10. Payment links represented 0.00%. Pix transactions constituted 11.04%. Transactions were distributed during the day as follows, 0.00% at dawn, 36.02% in the morning, 42.89% in the afternoon, and 21.09% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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6,617,751 | "2024-05-02T00:00:00" | 200,384 | true | bias_high_tpv | 2,489 | 2,744 | 35 | cnpj | Odontology Health | Comércio varejista de artigos de óptica | 24,613.1 | 9,668.5 | 232 | 396.345313 | 3,170 | 0.172414 | null | 0.944624 | 2.229734 | 12 | 8 | 125,394.63522 | 1 | 16 | 2,084,296 | null | 9 | 2 | 0.025394 | 0.826772 | 14 | 61 | 4.716216 | 2 | null | 1,764 | 0.097015 | 0.625 | 68 | 0.984375 | 0.015625 | 0 | 394.283598 | 526.233333 | null | 0.372093 | 0.581395 | 0.046512 | 0 | 475.212819 | 5,386.9 | null | 8,992 | 0.98072 | merchant profile | the merchant's business | has been operational for 35.0 months | is registered under cnpj | the business | operates in the Odontology Health category | has a classification of Comércio varejista de artigos de óptica | over the last five days | the approved transaction amount was R$ 5386.90 | the rolling average for businesses in this classification was R$ 475.21 | over the last week, the approved transaction amount was R$ 9668.50 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 24613.10 | revenue growth rate was 94.46% | the average transaction value was R$ 396.35 | the largest transaction recorded at R$ 3170.00 | out of the total 232 transactions | 17.24% accounted for denied transactions | in the past year | the revenue stability index was 2.23 | December being the highest revenue month | August the lowest | cash flow and expenses | the merchant made 16 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 125394.64 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 8992.00 | 98.07% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 14.0 months | in the past 3 months the merchant | interacted with support 2 times | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 9 transactions flagged for fraud | 2 transactions with insufficient funds | the top customer accounted for 2.54% of the revenue | the transaction count changed by 82.68% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 68 | 9.70% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 62.50% | Their average number of installments is 4.72 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 98.44% of all payments | with an average value of R$ 394.28 | payment links represented 1.56% | with an average value of R$ 526.23 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 37.21% in the morning | 58.14% in the afternoon | 4.65% in the evening | 2,744.23 | 0 | 2,488.64 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 35.0 months, and is registered under cnpj. The business, operates in the Odontology Health category, and has a classification of Comércio varejista de artigos de óptica. Over the last five days, the approved transaction amount was R$ 5386.90, and the rolling average for businesses in this classification was R$ 475.21. Over the last week, the approved transaction amount was R$ 9668.50.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 24613.10, and revenue growth rate was 94.46%. The average transaction value was R$ 396.35 and the largest transaction recorded at R$ 3170.00. Out of the total 232 transactions and 17.24% accounted for denied transactions. In the past year, the revenue stability index was 2.23, December being the highest revenue month, and August the lowest.
Cash flow and expenses. The merchant made 16 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 125394.64, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 8992.00 and 98.07% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 14.0 months. In the past 3 months the merchant, interacted with support 2 times, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 9 transactions flagged for fraud, and 2 transactions with insufficient funds. The top customer accounted for 2.54% of the revenue. The transaction count changed by 82.68% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 68 and 9.70% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 62.50%. Their average number of installments is 4.72.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 98.44% of all payments and with an average value of R$ 394.28. Payment links represented 1.56% and with an average value of R$ 526.23. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 37.21% in the morning, 58.14% in the afternoon, and 4.65% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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16,322,793 | "2024-05-09T00:00:00" | 208,204 | true | bias_high_tpv | 2,902 | 3,201 | 160 | cnpj | Apparel | Comércio varejista de artigos do vestuário e acessórios | 16,504.4 | 3,491 | 508 | 86.945444 | 3,000 | 0.094488 | null | 3.004843 | 1.560614 | 12 | 5 | 96,100 | 1,100 | 6 | 335,900 | null | 0 | 2 | 0.06036 | 1.91954 | 13 | 75 | 1.320442 | 1 | 27 | 2,937 | 0.175908 | 0.869159 | 145 | 0.974943 | 0 | 0.025057 | 86.945444 | null | 64.727273 | 0.595855 | 0.404145 | 0 | 0 | 265.01393 | 972.7 | null | 31,617.87 | 0.750862 | merchant profile | the merchant's business | has been operational for 160.0 months | is registered under cnpj | the business | operates in the Apparel category | has a classification of Comércio varejista de artigos do vestuário e acessórios | over the last five days | the approved transaction amount was R$ 972.70 | the rolling average for businesses in this classification was R$ 265.01 | over the last week, the approved transaction amount was R$ 3491.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 16504.40 | revenue growth rate was 300.48% | the average transaction value was R$ 86.95 | the largest transaction recorded at R$ 3000.00 | out of the total 508 transactions | 9.45% accounted for denied transactions | in the past year | the revenue stability index was 1.56 | December being the highest revenue month | May the lowest | cash flow and expenses | the merchant made 6 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 96100.00 | the lowest recorded balance being R$ 1100.00 | the total credit available to the merchant is R$ 31617.87 | 75.09% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 13.0 months | in the past 3 months the merchant | interacted with support 1 times | has an average first reply time of 1m | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 2 transactions with insufficient funds | the top customer accounted for 6.04% of the revenue | the transaction count changed by 191.95% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 145 | 17.59% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 86.92% | Their average number of installments is 1.32 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 97.49% of all payments | with an average value of R$ 86.95 | payment links represented 0.00% | pix transactions constituted 2.51% | transactions were distributed during the day as follows | 0.00% at dawn | 59.59% in the morning | 40.41% in the afternoon | 0.00% in the evening | 3,200.51 | 0 | 2,901.74 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 160.0 months, and is registered under cnpj. The business, operates in the Apparel category, and has a classification of Comércio varejista de artigos do vestuário e acessórios. Over the last five days, the approved transaction amount was R$ 972.70, and the rolling average for businesses in this classification was R$ 265.01. Over the last week, the approved transaction amount was R$ 3491.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 16504.40, and revenue growth rate was 300.48%. The average transaction value was R$ 86.95 and the largest transaction recorded at R$ 3000.00. Out of the total 508 transactions and 9.45% accounted for denied transactions. In the past year, the revenue stability index was 1.56, December being the highest revenue month, and May the lowest.
Cash flow and expenses. The merchant made 6 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 96100.00, and the lowest recorded balance being R$ 1100.00. The total credit available to the merchant is R$ 31617.87 and 75.09% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 13.0 months. In the past 3 months the merchant, interacted with support 1 times, has an average first reply time of 1m, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 2 transactions with insufficient funds. The top customer accounted for 6.04% of the revenue. The transaction count changed by 191.95% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 145 and 17.59% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 86.92%. Their average number of installments is 1.32.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 97.49% of all payments and with an average value of R$ 86.95. Payment links represented 0.00%. Pix transactions constituted 2.51%. Transactions were distributed during the day as follows, 0.00% at dawn, 59.59% in the morning, 40.41% in the afternoon, and 0.00% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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9,922,952 | "2024-05-17T00:00:00" | 219,088 | true | bias_high_tpv | 5,239 | 5,428 | 14 | cnpj | Electronic Retail | Comércio varejista especializado de equipamentos e suprimentos de informática | 7,520.02 | 1,216.74 | 564 | 29.331719 | 2,728.85 | 0.102837 | 1 | 0.540041 | 1.408484 | 4 | 5 | 18,739.220183 | 1 | 20 | 633,677 | null | 1 | 8 | 0.050593 | -0.402542 | 14 | 67 | 1.077922 | 5 | 880.6 | 2,477 | 0.240942 | 0.857143 | 184 | 0.996047 | 0.003953 | 0 | 26.829067 | 660 | null | 0.380952 | 0.61039 | 0.008658 | 0 | 205.92492 | 2,474.09 | null | 1,592.54 | 0.815389 | merchant profile | the merchant's business | has been operational for 14.0 months | is registered under cnpj | the business | operates in the Electronic Retail category | has a classification of Comércio varejista especializado de equipamentos e suprimentos de informática | over the last five days | the approved transaction amount was R$ 2474.09 | the rolling average for businesses in this classification was R$ 205.92 | over the last week, the approved transaction amount was R$ 1216.74 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 7520.02 | revenue growth rate was 54.00% | the average transaction value was R$ 29.33 | the largest transaction recorded at R$ 2728.85 | out of the total 564 transactions | 10.28% accounted for denied transactions | there were 1.0 chargebacks | in the past year | the revenue stability index was 1.41 | April being the highest revenue month | May the lowest | cash flow and expenses | the merchant made 20 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 18739.22 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 1592.54 | 81.54% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 14.0 months | in the past 3 months the merchant | interacted with support 5 times | has an average first reply time of 14m | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 1 transactions flagged for fraud | 8 transactions with insufficient funds | the top customer accounted for 5.06% of the revenue | the transaction count changed by -40.25% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 184 | 24.09% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 85.71% | Their average number of installments is 1.08 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 99.60% of all payments | with an average value of R$ 26.83 | payment links represented 0.40% | with an average value of R$ 660.00 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 38.10% in the morning | 61.04% in the afternoon | 0.87% in the evening | 5,427.66 | 0 | 5,239.25 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 14.0 months, and is registered under cnpj. The business, operates in the Electronic Retail category, and has a classification of Comércio varejista especializado de equipamentos e suprimentos de informática. Over the last five days, the approved transaction amount was R$ 2474.09, and the rolling average for businesses in this classification was R$ 205.92. Over the last week, the approved transaction amount was R$ 1216.74.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 7520.02, and revenue growth rate was 54.00%. The average transaction value was R$ 29.33 and the largest transaction recorded at R$ 2728.85. Out of the total 564 transactions, 10.28% accounted for denied transactions, and there were 1.0 chargebacks. In the past year, the revenue stability index was 1.41, April being the highest revenue month, and May the lowest.
Cash flow and expenses. The merchant made 20 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 18739.22, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 1592.54 and 81.54% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 14.0 months. In the past 3 months the merchant, interacted with support 5 times, has an average first reply time of 14m, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 1 transactions flagged for fraud, and 8 transactions with insufficient funds. The top customer accounted for 5.06% of the revenue. The transaction count changed by -40.25% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 184 and 24.09% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 85.71%. Their average number of installments is 1.08.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 99.60% of all payments and with an average value of R$ 26.83. Payment links represented 0.40% and with an average value of R$ 660.00. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 38.10% in the morning, 61.04% in the afternoon, and 0.87% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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13,165,546 | "2024-05-02T00:00:00" | 200,088 | true | bias_high_tpv | 5,753 | 6,202 | 156 | cnpj | Grocery | Comércio varejista de mercadorias em geral, com predominância de produtos alimentícios - minimercados, mercearias e armazéns | 23,507.87 | 2,216.6 | 310 | 281.777283 | 14,000 | 0.164516 | null | -0.714873 | 0.993258 | 5 | 7 | 118,181.428571 | 0 | 24 | 2,353,505 | null | 1 | 14 | 0.275727 | 0.033333 | 14 | 65 | 1.204225 | 1 | 5,639 | 7,374 | 0.302564 | 0.754386 | 87 | 1 | 0 | 0 | 281.777283 | null | null | 0.852113 | 0.119718 | 0.028169 | 0 | null | null | null | 0 | null | merchant profile | the merchant's business | has been operational for 156.0 months | is registered under cnpj | the business | operates in the Grocery category | has a classification of Comércio varejista de mercadorias em geral, com predominância de produtos alimentícios - minimercados, mercearias e armazéns | over the last five days | over the last week, the approved transaction amount was R$ 2216.60 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 23507.87 | revenue growth rate was -71.49% | the average transaction value was R$ 281.78 | the largest transaction recorded at R$ 14000.00 | out of the total 310 transactions | 16.45% accounted for denied transactions | in the past year | the revenue stability index was 0.99 | May being the highest revenue month | July the lowest | cash flow and expenses | the merchant made 24 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 118181.43 | the lowest recorded balance being R$ 0.00 | the total credit available to the merchant is R$ 0.00 | platform engagement | the merchant has been registered on the platform for 14.0 months | in the past 3 months the merchant | interacted with support 1 times | has an average first reply time of 1h 33m | the application was used 2h over the past month | risk indicators | the merchant processed in the last month | 1 transactions flagged for fraud | 14 transactions with insufficient funds | the top customer accounted for 27.57% of the revenue | the transaction count changed by 3.33% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 87 | 30.26% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 75.44% | Their average number of installments is 1.20 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 100.00% of all payments | with an average value of R$ 281.78 | payment links represented 0.00% | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 85.21% in the morning | 11.97% in the afternoon | 2.82% in the evening | 6,201.79 | 0 | 5,753.1 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 156.0 months, and is registered under cnpj. The business, operates in the Grocery category, and has a classification of Comércio varejista de mercadorias em geral, com predominância de produtos alimentícios - minimercados, mercearias e armazéns. Over the last five days. Over the last week, the approved transaction amount was R$ 2216.60.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 23507.87, and revenue growth rate was -71.49%. The average transaction value was R$ 281.78 and the largest transaction recorded at R$ 14000.00. Out of the total 310 transactions and 16.45% accounted for denied transactions. In the past year, the revenue stability index was 0.99, May being the highest revenue month, and July the lowest.
Cash flow and expenses. The merchant made 24 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 118181.43, and the lowest recorded balance being R$ 0.00. The total credit available to the merchant is R$ 0.00.
Platform engagement. The merchant has been registered on the platform for 14.0 months. In the past 3 months the merchant, interacted with support 1 times, has an average first reply time of 1h 33m, and the application was used 2h over the past month.
Risk indicators. The merchant processed in the last month, 1 transactions flagged for fraud, and 14 transactions with insufficient funds. The top customer accounted for 27.57% of the revenue. The transaction count changed by 3.33% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 87 and 30.26% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 75.44%. Their average number of installments is 1.20.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 100.00% of all payments and with an average value of R$ 281.78. Payment links represented 0.00%. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 85.21% in the morning, 11.97% in the afternoon, and 2.82% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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1,196,612 | "2024-05-09T00:00:00" | 208,585 | true | bias_high_tpv | 3,023 | 3,317 | 71 | cnpj | Apparel | Comércio varejista de artigos do vestuário e acessórios | 26,638 | 4,989 | 911 | 105.350181 | 947 | 0.079034 | null | 2.859517 | 1.320049 | 5 | 11 | 613,384.615385 | 117,000 | 2 | 800,000 | null | 0 | 13 | 0.008145 | 0.419003 | 21 | 72 | 2.600806 | null | null | 2,450 | 0.201597 | 0.813333 | 223 | 0.991576 | 0.008424 | 0 | 104.936893 | 154 | null | 0.44 | 0.56 | 0 | 0 | 203.214264 | 3,470 | null | 853.71 | 0.765728 | merchant profile | the merchant's business | has been operational for 71.0 months | is registered under cnpj | the business | operates in the Apparel category | has a classification of Comércio varejista de artigos do vestuário e acessórios | over the last five days | the approved transaction amount was R$ 3470.00 | the rolling average for businesses in this classification was R$ 203.21 | over the last week, the approved transaction amount was R$ 4989.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 26638.00 | revenue growth rate was 285.95% | the average transaction value was R$ 105.35 | the largest transaction recorded at R$ 947.00 | out of the total 911 transactions | 7.90% accounted for denied transactions | in the past year | the revenue stability index was 1.32 | May being the highest revenue month | November the lowest | cash flow and expenses | the merchant made 2 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 613384.62 | the lowest recorded balance being R$ 117000.00 | the total credit available to the merchant is R$ 853.71 | 76.57% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 21.0 months | in the past 3 months the merchant | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 13 transactions with insufficient funds | the top customer accounted for 0.81% of the revenue | the transaction count changed by 41.90% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 223 | 20.16% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 81.33% | Their average number of installments is 2.60 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 99.16% of all payments | with an average value of R$ 104.94 | payment links represented 0.84% | with an average value of R$ 154.00 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 44.00% in the morning | 56.00% in the afternoon | 0.00% in the evening | 3,317.28 | 0 | 3,022.64 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 71.0 months, and is registered under cnpj. The business, operates in the Apparel category, and has a classification of Comércio varejista de artigos do vestuário e acessórios. Over the last five days, the approved transaction amount was R$ 3470.00, and the rolling average for businesses in this classification was R$ 203.21. Over the last week, the approved transaction amount was R$ 4989.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 26638.00, and revenue growth rate was 285.95%. The average transaction value was R$ 105.35 and the largest transaction recorded at R$ 947.00. Out of the total 911 transactions and 7.90% accounted for denied transactions. In the past year, the revenue stability index was 1.32, May being the highest revenue month, and November the lowest.
Cash flow and expenses. The merchant made 2 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 613384.62, and the lowest recorded balance being R$ 117000.00. The total credit available to the merchant is R$ 853.71 and 76.57% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 21.0 months. In the past 3 months the merchant and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 13 transactions with insufficient funds. The top customer accounted for 0.81% of the revenue. The transaction count changed by 41.90% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 223 and 20.16% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 81.33%. Their average number of installments is 2.60.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 99.16% of all payments and with an average value of R$ 104.94. Payment links represented 0.84% and with an average value of R$ 154.00. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 44.00% in the morning, 56.00% in the afternoon, and 0.00% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant. User will you give you a task. Your goal is to complete the task as faithfully as you can. While performing the task think step-by-step and justify your steps. |
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16,624,585 | "2024-05-16T00:00:00" | 217,352 | true | bias_high_tpv | 2,257 | 2,338 | 28 | cnpj | Odontology Health | Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | 2,964.78 | 1,086.29 | 323 | 52.96 | 2,280 | 0.092879 | null | -0.910412 | 1.210596 | 11 | 7 | 9,691.985348 | 1 | 37 | 321,949 | null | 0 | 1 | 0.019848 | 0.398268 | 18 | 82 | 1.168675 | null | null | 8,778 | 0.212644 | 0.46875 | 75 | 0.996528 | 0.003472 | 0 | 45.200279 | 2,280 | null | 0.349398 | 0.506024 | 0.144578 | 0 | 49.574313 | 3,142.62 | null | 1,800 | 0.780544 | merchant profile | the merchant's business | has been operational for 28.0 months | is registered under cnpj | the business | operates in the Odontology Health category | has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | over the last five days | the approved transaction amount was R$ 3142.62 | the rolling average for businesses in this classification was R$ 49.57 | over the last week, the approved transaction amount was R$ 1086.29 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 2964.78 | revenue growth rate was -91.04% | the average transaction value was R$ 52.96 | the largest transaction recorded at R$ 2280.00 | out of the total 323 transactions | 9.29% accounted for denied transactions | in the past year | the revenue stability index was 1.21 | November being the highest revenue month | July the lowest | cash flow and expenses | the merchant made 37 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 9691.99 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 1800.00 | 78.05% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 18.0 months | in the past 3 months the merchant | the application was used 2h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 1 transactions with insufficient funds | the top customer accounted for 1.98% of the revenue | the transaction count changed by 39.83% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 75 | 21.26% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 46.88% | Their average number of installments is 1.17 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 99.65% of all payments | with an average value of R$ 45.20 | payment links represented 0.35% | with an average value of R$ 2280.00 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 34.94% in the morning | 50.60% in the afternoon | 14.46% in the evening | 2,337.87 | 0 | 2,256.91 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 28.0 months, and is registered under cnpj. The business, operates in the Odontology Health category, and has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas. Over the last five days, the approved transaction amount was R$ 3142.62, and the rolling average for businesses in this classification was R$ 49.57. Over the last week, the approved transaction amount was R$ 1086.29.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 2964.78, and revenue growth rate was -91.04%. The average transaction value was R$ 52.96 and the largest transaction recorded at R$ 2280.00. Out of the total 323 transactions and 9.29% accounted for denied transactions. In the past year, the revenue stability index was 1.21, November being the highest revenue month, and July the lowest.
Cash flow and expenses. The merchant made 37 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 9691.99, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 1800.00 and 78.05% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 18.0 months. In the past 3 months the merchant and the application was used 2h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 1 transactions with insufficient funds. The top customer accounted for 1.98% of the revenue. The transaction count changed by 39.83% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 75 and 21.26% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 46.88%. Their average number of installments is 1.17.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 99.65% of all payments and with an average value of R$ 45.20. Payment links represented 0.35% and with an average value of R$ 2280.00. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 34.94% in the morning, 50.60% in the afternoon, and 14.46% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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3,928,787 | "2024-05-06T00:00:00" | 204,579 | true | bias_high_tpv | 3,023 | 3,192 | 33 | cnpj | Odontology Health | Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | 22,747.82 | 12,807.44 | 329 | 127.927754 | 5,850 | 0.148936 | null | 1.803938 | 1.454251 | 11 | 2 | null | null | null | null | null | 4 | 13 | 0.330001 | 0.827778 | 18 | 66 | 1.557576 | null | null | 2,562 | 0.163435 | 0.792683 | 132 | 0.98913 | 0.01087 | 0 | 124.593626 | 431.333333 | null | 0.526946 | 0.359281 | 0.113772 | 0 | 50.520536 | 2,487.86 | null | 105,017.3 | 0.951727 | merchant profile | the merchant's business | has been operational for 33.0 months | is registered under cnpj | the business | operates in the Odontology Health category | has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas | over the last five days | the approved transaction amount was R$ 2487.86 | the rolling average for businesses in this classification was R$ 50.52 | over the last week, the approved transaction amount was R$ 12807.44 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 22747.82 | revenue growth rate was 180.39% | the average transaction value was R$ 127.93 | the largest transaction recorded at R$ 5850.00 | out of the total 329 transactions | 14.89% accounted for denied transactions | in the past year | the revenue stability index was 1.45 | November being the highest revenue month | February the lowest | cash flow and expenses | over the last three months | the total credit available to the merchant is R$ 105017.30 | 95.17% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 18.0 months | in the past 3 months the merchant | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 4 transactions flagged for fraud | 13 transactions with insufficient funds | the top customer accounted for 33.00% of the revenue | the transaction count changed by 82.78% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 132 | 16.34% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 79.27% | Their average number of installments is 1.56 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 98.91% of all payments | with an average value of R$ 124.59 | payment links represented 1.09% | with an average value of R$ 431.33 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 52.69% in the morning | 35.93% in the afternoon | 11.38% in the evening | 3,191.53 | 0 | 3,022.64 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 33.0 months, and is registered under cnpj. The business, operates in the Odontology Health category, and has a classification of Comércio varejista de produtos farmacêuticos, sem manipulação de fórmulas. Over the last five days, the approved transaction amount was R$ 2487.86, and the rolling average for businesses in this classification was R$ 50.52. Over the last week, the approved transaction amount was R$ 12807.44.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 22747.82, and revenue growth rate was 180.39%. The average transaction value was R$ 127.93 and the largest transaction recorded at R$ 5850.00. Out of the total 329 transactions and 14.89% accounted for denied transactions. In the past year, the revenue stability index was 1.45, November being the highest revenue month, and February the lowest.
Cash flow and expenses. Over the last three months. The total credit available to the merchant is R$ 105017.30 and 95.17% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 18.0 months. In the past 3 months the merchant and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 4 transactions flagged for fraud, and 13 transactions with insufficient funds. The top customer accounted for 33.00% of the revenue. The transaction count changed by 82.78% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 132 and 16.34% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 79.27%. Their average number of installments is 1.56.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 98.91% of all payments and with an average value of R$ 124.59. Payment links represented 1.09% and with an average value of R$ 431.33. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 52.69% in the morning, 35.93% in the afternoon, and 11.38% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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2,394,256 | "2024-05-02T00:00:00" | 199,960 | false | bias_high_tpv | 6,468 | 0 | 23 | cnpj | Restaurants/Bars | Lanchonetes, casas de chá, de sucos e similares | 6,921.17 | 2,123 | 608 | 39.601469 | 1,500 | 0.108553 | null | 0.062372 | 0.882187 | 10 | 4 | 32,152.157205 | 1 | 26 | 674,968 | null | 0 | 8 | 0.113595 | 1.776256 | 20 | 82 | 1.291667 | 1 | 160 | 16,277 | 0.331019 | 0.695652 | 123 | 1 | 0 | 0 | 39.601469 | null | null | 0.035714 | 0 | 0.928571 | 0.035714 | 39.060887 | 446.5 | null | 0 | null | merchant profile | the merchant's business | has been operational for 23.0 months | is registered under cnpj | the business | operates in the Restaurants/Bars category | has a classification of Lanchonetes, casas de chá, de sucos e similares | over the last five days | the approved transaction amount was R$ 446.50 | the rolling average for businesses in this classification was R$ 39.06 | over the last week, the approved transaction amount was R$ 2123.00 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 6921.17 | revenue growth rate was 6.24% | the average transaction value was R$ 39.60 | the largest transaction recorded at R$ 1500.00 | out of the total 608 transactions | 10.86% accounted for denied transactions | in the past year | the revenue stability index was 0.88 | October being the highest revenue month | April the lowest | cash flow and expenses | the merchant made 26 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 32152.16 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 0.00 | platform engagement | the merchant has been registered on the platform for 20.0 months | in the past 3 months the merchant | interacted with support 1 times | has an average first reply time of 2m | the application was used 4h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 8 transactions with insufficient funds | the top customer accounted for 11.36% of the revenue | the transaction count changed by 177.63% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 123 | 33.10% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 69.57% | Their average number of installments is 1.29 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 100.00% of all payments | with an average value of R$ 39.60 | payment links represented 0.00% | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 3.57% at dawn | 3.57% in the morning | 0.00% in the afternoon | 92.86% in the evening | 0 | 0 | 6,468.45 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 23.0 months, and is registered under cnpj. The business, operates in the Restaurants/Bars category, and has a classification of Lanchonetes, casas de chá, de sucos e similares. Over the last five days, the approved transaction amount was R$ 446.50, and the rolling average for businesses in this classification was R$ 39.06. Over the last week, the approved transaction amount was R$ 2123.00.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 6921.17, and revenue growth rate was 6.24%. The average transaction value was R$ 39.60 and the largest transaction recorded at R$ 1500.00. Out of the total 608 transactions and 10.86% accounted for denied transactions. In the past year, the revenue stability index was 0.88, October being the highest revenue month, and April the lowest.
Cash flow and expenses. The merchant made 26 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 32152.16, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 0.00.
Platform engagement. The merchant has been registered on the platform for 20.0 months. In the past 3 months the merchant, interacted with support 1 times, has an average first reply time of 2m, and the application was used 4h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 8 transactions with insufficient funds. The top customer accounted for 11.36% of the revenue. The transaction count changed by 177.63% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 123 and 33.10% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 69.57%. Their average number of installments is 1.29.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 100.00% of all payments and with an average value of R$ 39.60. Payment links represented 0.00%. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 3.57% at dawn, 3.57% in the morning, 0.00% in the afternoon, and 92.86% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
You are an AI assistant that follows instruction extremely well. Help as much as you can. |
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12,663,707 | "2024-05-02T00:00:00" | 200,212 | true | bias_high_tpv | 5,441 | 5,988 | 47 | cnpj | Construction Materials | Comércio varejista de materiais de construção em geral | 271 | null | 471 | 45.575776 | 1,427 | 0.099788 | null | -0.996452 | 0.744532 | 2 | 7 | null | null | null | null | null | 0 | 0 | 0.031784 | 14.7 | 14 | 46 | 1.666667 | 1 | null | 80 | 0.143519 | 0.666667 | 3 | 1 | 0 | 0 | 45.575776 | null | null | 0.333333 | 0.333333 | 0.333333 | 0 | null | null | null | 21,381.46 | 0.804707 | merchant profile | the merchant's business | has been operational for 47.0 months | is registered under cnpj | the business | operates in the Construction Materials category | has a classification of Comércio varejista de materiais de construção em geral | over the last five days | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 271.00 | revenue growth rate was -99.65% | the average transaction value was R$ 45.58 | the largest transaction recorded at R$ 1427.00 | out of the total 471 transactions | 9.98% accounted for denied transactions | in the past year | the revenue stability index was 0.74 | February being the highest revenue month | July the lowest | cash flow and expenses | over the last three months | the total credit available to the merchant is R$ 21381.46 | 80.47% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 14.0 months | in the past 3 months the merchant | interacted with support 1 times | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 0 transactions with insufficient funds | the top customer accounted for 3.18% of the revenue | the transaction count changed by 1470.00% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 3 | 14.35% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 66.67% | Their average number of installments is 1.67 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 100.00% of all payments | with an average value of R$ 45.58 | payment links represented 0.00% | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 33.33% in the morning | 33.33% in the afternoon | 33.33% in the evening | 5,988.12 | 0 | 5,440.76 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 47.0 months, and is registered under cnpj. The business, operates in the Construction Materials category, and has a classification of Comércio varejista de materiais de construção em geral. Over the last five days.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 271.00, and revenue growth rate was -99.65%. The average transaction value was R$ 45.58 and the largest transaction recorded at R$ 1427.00. Out of the total 471 transactions and 9.98% accounted for denied transactions. In the past year, the revenue stability index was 0.74, February being the highest revenue month, and July the lowest.
Cash flow and expenses. Over the last three months. The total credit available to the merchant is R$ 21381.46 and 80.47% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 14.0 months. In the past 3 months the merchant, interacted with support 1 times, and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 0 transactions with insufficient funds. The top customer accounted for 3.18% of the revenue. The transaction count changed by 1470.00% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 3 and 14.35% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 66.67%. Their average number of installments is 1.67.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 100.00% of all payments and with an average value of R$ 45.58. Payment links represented 0.00%. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 33.33% in the morning, 33.33% in the afternoon, and 33.33% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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8,037,041 | "2024-05-02T00:00:00" | 200,769 | false | bias_high_tpv | 8,443 | 1,121 | 30 | cnpj | Veterinary Services | Comércio varejista de animais vivos e de artigos e alimentos para animais de estimação | 4,788.05 | 1,467.75 | 182 | 69.898208 | 572 | 0.043956 | null | -0.507352 | 1.170549 | 6 | 7 | 175,000 | 175,000 | null | null | null | 0 | 0 | 0.03089 | -0.799117 | 25 | 73 | 1.474576 | null | null | 1,170 | 0.331081 | 0.484848 | 49 | 0.976879 | 0.023121 | 0 | 69.16503 | 100.875 | null | 0.123077 | 0.523077 | 0.353846 | 0 | 78.82493 | 651.8 | null | 40,679.08 | 0.531803 | merchant profile | the merchant's business | has been operational for 30.0 months | is registered under cnpj | the business | operates in the Veterinary Services category | has a classification of Comércio varejista de animais vivos e de artigos e alimentos para animais de estimação | over the last five days | the approved transaction amount was R$ 651.80 | the rolling average for businesses in this classification was R$ 78.82 | over the last week, the approved transaction amount was R$ 1467.75 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 4788.05 | revenue growth rate was -50.74% | the average transaction value was R$ 69.90 | the largest transaction recorded at R$ 572.00 | out of the total 182 transactions | 4.40% accounted for denied transactions | in the past year | the revenue stability index was 1.17 | June being the highest revenue month | July the lowest | cash flow and expenses | over the last three months | the average balance in their digital account was R$ 175000.00 | the lowest recorded balance being R$ 175000.00 | the total credit available to the merchant is R$ 40679.08 | 53.18% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 25.0 months | in the past 3 months the merchant | the application was used 0h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 0 transactions with insufficient funds | the top customer accounted for 3.09% of the revenue | the transaction count changed by -79.91% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 49 | 33.11% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 48.48% | Their average number of installments is 1.47 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 97.69% of all payments | with an average value of R$ 69.17 | payment links represented 2.31% | with an average value of R$ 100.88 | pix transactions constituted 0.00% | transactions were distributed during the day as follows | 0.00% at dawn | 12.31% in the morning | 52.31% in the afternoon | 35.38% in the evening | 1,120.89 | 8,886.45 | 8,443.24 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 30.0 months, and is registered under cnpj. The business, operates in the Veterinary Services category, and has a classification of Comércio varejista de animais vivos e de artigos e alimentos para animais de estimação. Over the last five days, the approved transaction amount was R$ 651.80, and the rolling average for businesses in this classification was R$ 78.82. Over the last week, the approved transaction amount was R$ 1467.75.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 4788.05, and revenue growth rate was -50.74%. The average transaction value was R$ 69.90 and the largest transaction recorded at R$ 572.00. Out of the total 182 transactions and 4.40% accounted for denied transactions. In the past year, the revenue stability index was 1.17, June being the highest revenue month, and July the lowest.
Cash flow and expenses. Over the last three months, the average balance in their digital account was R$ 175000.00, and the lowest recorded balance being R$ 175000.00. The total credit available to the merchant is R$ 40679.08 and 53.18% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 25.0 months. In the past 3 months the merchant and the application was used 0h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 0 transactions with insufficient funds. The top customer accounted for 3.09% of the revenue. The transaction count changed by -79.91% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 49 and 33.11% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 48.48%. Their average number of installments is 1.47.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 97.69% of all payments and with an average value of R$ 69.17. Payment links represented 2.31% and with an average value of R$ 100.88. Pix transactions constituted 0.00%. Transactions were distributed during the day as follows, 0.00% at dawn, 12.31% in the morning, 52.31% in the afternoon, and 35.38% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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5,870,410 | "2024-05-02T00:00:00" | 200,782 | true | bias_high_tpv | 1,804 | 1,898 | 24 | cnpj | Restaurants/Bars | Bares e outros estabelecimentos especializados em servir bebidas, com entretenimento | 8,387.05 | 1,656.4 | 651 | 68.464454 | 4,000 | 0.023041 | null | -0.019597 | 1.233411 | 2 | 8 | 64,147.114434 | 6 | 76 | 928,803 | 0.504752 | 0 | 3 | 0.1788 | 4.972477 | 19 | 82 | 1.007634 | 1 | 3,526 | 10,831 | 0.291585 | 0.503401 | 92 | 0.562189 | 0 | 0.437811 | 68.464454 | null | 39.326515 | 0.003745 | 0.014981 | 0.865169 | 0.116105 | 41.966289 | 3,037.25 | null | 17,782.28 | 0.499502 | merchant profile | the merchant's business | has been operational for 24.0 months | is registered under cnpj | the business | operates in the Restaurants/Bars category | has a classification of Bares e outros estabelecimentos especializados em servir bebidas, com entretenimento | over the last five days | the approved transaction amount was R$ 3037.25 | the rolling average for businesses in this classification was R$ 41.97 | over the last week, the approved transaction amount was R$ 1656.40 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 8387.05 | revenue growth rate was -1.96% | the average transaction value was R$ 68.46 | the largest transaction recorded at R$ 4000.00 | out of the total 651 transactions | 2.30% accounted for denied transactions | in the past year | the revenue stability index was 1.23 | February being the highest revenue month | August the lowest | cash flow and expenses | the merchant made 76 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 64147.11 | the lowest recorded balance being R$ 6.00 | amounts spent on bills accounted for 50.48% of monthly revenue | the total credit available to the merchant is R$ 17782.28 | 49.95% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 19.0 months | in the past 3 months the merchant | interacted with support 1 times | has an average first reply time of 58m | the application was used 3h over the past month | risk indicators | the merchant processed in the last month | 0 transactions flagged for fraud | 3 transactions with insufficient funds | the top customer accounted for 17.88% of the revenue | the transaction count changed by 497.25% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 92 | 29.16% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 50.34% | Their average number of installments is 1.01 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 56.22% of all payments | with an average value of R$ 68.46 | payment links represented 0.00% | pix transactions constituted 43.78% | transactions were distributed during the day as follows | 11.61% at dawn | 0.37% in the morning | 1.50% in the afternoon | 86.52% in the evening | 1,897.51 | 0 | 1,803.51 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 24.0 months, and is registered under cnpj. The business, operates in the Restaurants/Bars category, and has a classification of Bares e outros estabelecimentos especializados em servir bebidas, com entretenimento. Over the last five days, the approved transaction amount was R$ 3037.25, and the rolling average for businesses in this classification was R$ 41.97. Over the last week, the approved transaction amount was R$ 1656.40.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 8387.05, and revenue growth rate was -1.96%. The average transaction value was R$ 68.46 and the largest transaction recorded at R$ 4000.00. Out of the total 651 transactions and 2.30% accounted for denied transactions. In the past year, the revenue stability index was 1.23, February being the highest revenue month, and August the lowest.
Cash flow and expenses. The merchant made 76 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 64147.11, and the lowest recorded balance being R$ 6.00. Amounts spent on bills accounted for 50.48% of monthly revenue. The total credit available to the merchant is R$ 17782.28 and 49.95% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 19.0 months. In the past 3 months the merchant, interacted with support 1 times, has an average first reply time of 58m, and the application was used 3h over the past month.
Risk indicators. The merchant processed in the last month, 0 transactions flagged for fraud, and 3 transactions with insufficient funds. The top customer accounted for 17.88% of the revenue. The transaction count changed by 497.25% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 92 and 29.16% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 50.34%. Their average number of installments is 1.01.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 56.22% of all payments and with an average value of R$ 68.46. Payment links represented 0.00%. Pix transactions constituted 43.78%. Transactions were distributed during the day as follows, 11.61% at dawn, 0.37% in the morning, 1.50% in the afternoon, and 86.52% in the evening.
Based on the above information, the binary repayment outcome is: | True | True |
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15,690,223 | "2024-05-10T00:00:00" | 210,979 | true | bias_high_tpv | 1,008 | 1,078 | 53 | cnpj | Business Services | Comércio varejista de carnes - açougues | 5,627.9 | 1,859.8 | 472 | 46.049708 | 1,050 | 0.036017 | null | -0.463089 | 1.179593 | 2 | 9 | 23,146.360927 | 1 | 27 | 737,613 | null | 1 | 1 | 0.030764 | 3.582524 | 24 | 84 | 1.094017 | 3 | 2,699 | 4,917 | 0.243437 | 0.792208 | 97 | 0.925508 | 0.002257 | 0.072235 | 46.101049 | 25 | 36.9 | 0.805195 | 0.194805 | 0 | 0 | 77.535682 | 167 | null | 34,088.68 | 0.934388 | merchant profile | the merchant's business | has been operational for 53.0 months | is registered under cnpj | the business | operates in the Business Services category | has a classification of Comércio varejista de carnes - açougues | over the last five days | the approved transaction amount was R$ 167.00 | the rolling average for businesses in this classification was R$ 77.54 | over the last week, the approved transaction amount was R$ 1859.80 | revenue metrics | in the last three months the merchant's | total monthly revenue was R$ 5627.90 | revenue growth rate was -46.31% | the average transaction value was R$ 46.05 | the largest transaction recorded at R$ 1050.00 | out of the total 472 transactions | 3.60% accounted for denied transactions | in the past year | the revenue stability index was 1.18 | February being the highest revenue month | September the lowest | cash flow and expenses | the merchant made 27 withdrawals over the past month | over the last three months | the average balance in their digital account was R$ 23146.36 | the lowest recorded balance being R$ 1.00 | the total credit available to the merchant is R$ 34088.68 | 93.44% of the credit is currently being actively used | platform engagement | the merchant has been registered on the platform for 24.0 months | in the past 3 months the merchant | interacted with support 3 times | has an average first reply time of 44m | the application was used 1h over the past month | risk indicators | the merchant processed in the last month | 1 transactions flagged for fraud | 1 transactions with insufficient funds | the top customer accounted for 3.08% of the revenue | the transaction count changed by 358.25% compared to the previous quarter | customer Interaction | the total number of customers over the past month was 97 | 24.34% of recurring customers | The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 79.22% | Their average number of installments is 1.09 | payment method diversity | the merchant processed payments through the following methods over the last 90 days | card-present transactions accounted for 92.55% of all payments | with an average value of R$ 46.10 | payment links represented 0.23% | with an average value of R$ 25.00 | pix transactions constituted 7.22% | transactions were distributed during the day as follows | 0.00% at dawn | 80.52% in the morning | 19.48% in the afternoon | 0.00% in the evening | 1,078.24 | 0 | 1,007.55 | You are tasked with analyzing structured credit reports and predicting whether a merchant is likely to repay a future loan. Each report contains detailed features about the merchant's financial performance, platform engagement, risk indicators, and customer interactions. Your goal is to evaluate the provided information and output a binary prediction: 'True' if the merchant is likely to repay the loan, or 'False' if the merchant is unlikely to repay.
This credit report provides all relevant features and metrics for assessing whether the merchant is likely to repay a future loan.
Merchant profile. The merchant's business, has been operational for 53.0 months, and is registered under cnpj. The business, operates in the Business Services category, and has a classification of Comércio varejista de carnes - açougues. Over the last five days, the approved transaction amount was R$ 167.00, and the rolling average for businesses in this classification was R$ 77.54. Over the last week, the approved transaction amount was R$ 1859.80.
Revenue metrics. In the last three months the merchant's, total monthly revenue was R$ 5627.90, and revenue growth rate was -46.31%. The average transaction value was R$ 46.05 and the largest transaction recorded at R$ 1050.00. Out of the total 472 transactions and 3.60% accounted for denied transactions. In the past year, the revenue stability index was 1.18, February being the highest revenue month, and September the lowest.
Cash flow and expenses. The merchant made 27 withdrawals over the past month. Over the last three months, the average balance in their digital account was R$ 23146.36, and the lowest recorded balance being R$ 1.00. The total credit available to the merchant is R$ 34088.68 and 93.44% of the credit is currently being actively used.
Platform engagement. The merchant has been registered on the platform for 24.0 months. In the past 3 months the merchant, interacted with support 3 times, has an average first reply time of 44m, and the application was used 1h over the past month.
Risk indicators. The merchant processed in the last month, 1 transactions flagged for fraud, and 1 transactions with insufficient funds. The top customer accounted for 3.08% of the revenue. The transaction count changed by 358.25% compared to the previous quarter.
Customer Interaction. The total number of customers over the past month was 97 and 24.34% of recurring customers. The average percentage of previous inter-transaction times shorter than the last inter-transaction time is 79.22%. Their average number of installments is 1.09.
Payment method diversity. The merchant processed payments through the following methods over the last 90 days. Card-present transactions accounted for 92.55% of all payments and with an average value of R$ 46.10. Payment links represented 0.23% and with an average value of R$ 25.00. Pix transactions constituted 7.22%. Transactions were distributed during the day as follows, 0.00% at dawn, 80.52% in the morning, 19.48% in the afternoon, and 0.00% in the evening.
Based on the above information, the binary repayment outcome is: | True | True
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