Overview & Architecture
Manage your data exchange pipeline and API access.
Data Exchange Pipeline Architecture
Data Sources
account_balanceCredit Bureau
point_of_salePOS Transactions
schoolLMS Participation
assignmentBusiness Survey
datasetAlternative Data
hub
Artafit ETL & Anonymization Engine
Governed data processing and feature engineering.
verified Secure
API Endpoints
Capacity to Pay APIarrow_forward
POST /v1/scores/capacity-to-payWillingness to Pay APIarrow_forward
POST /v1/scores/willingness-to-payapi Capacity to Pay API (Sandbox)
Interactive SandboxTerminal
Edit payload variables belowcurl -X POST https://sandbox.artafit.id/v1/scores/capacity-to-pay \
-H "Authorization: Bearer mock-token" \
-H "Content-Type: application/json" \
-d '{
"borrower_id":,
"include_pos_data":
}'
Capacity Score
832/1000
Limit Suggestion
Rp 25.000.000
Cash Flow Stability88%
Revenue Velocity82%
Payment Consistency79%
psychology Willingness to Pay API (Sandbox)
Interactive SandboxEdit payload variables below
curl -X POST https://sandbox.artafit.id/v1/scores/willingness-to-pay \
-d '{
"borrower_id":"ID-WEM-88204",
"include_lms":
}'
Willingness Score
890/1000
Bureau History64%
LMS Engagement95%
Growth Intent88%
lightbulb
trending_up Risk Insight
High LMS engagement and recent business survey completion significantly offset the thin credit bureau history, boosting the overall willingness-to-pay score by +120 points.
security Data Governance & Compliance Audit Log
| Timestamp | Borrower ID | Data Sources | API | Partner Bank | Status |
|---|---|---|---|---|---|
| 2023-10-27 14:32:01 | ID-WEM-88204 | Bureau, POS, LMS | Willingness to Pay | Bank Mandiri | check_circle Consent Approved |
| 2023-10-27 14:28:15 | ID-WEM-77192 | Bureau, POS | Capacity to Pay | BCA | check_circle Consent Approved |
| 2023-10-27 13:45:22 | ID-WEM-99311 | Bureau, Alternative | Capacity to Pay | BRI | pending Pending |
| 2023-10-27 11:12:05 | ID-WEM-55021 | Survey, LMS | Willingness to Pay | BTPN Syariah | cancel Denied |