@finsys/core 2.4.0 → 2.6.0
This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
- package/dist/data/adapter-categories.json +156 -0
- package/dist/data/form-field-base-specs.json +0 -20
- package/dist/index.cjs +274 -36
- package/dist/index.cjs.map +1 -1
- package/dist/index.d.cts +467 -1
- package/dist/index.d.ts +467 -1
- package/dist/index.js +267 -36
- package/dist/index.js.map +1 -1
- package/dist/schema/adapter-manifest.schema.json +101 -0
- package/package.json +6 -1
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{
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"schemaVersion": "1.0.0",
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"categories": [
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{
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"id": "telco-carrier",
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"displayName": "Telco Carrier",
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"description": "Mobile carrier bill-payment + account-history signals. Any telco vendor (Celcom, Maxis, DiGi, U-Mobile, etc.) implementing this category produces the same canonical field set.",
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"canonicalTable": "ihs_alt_data_telco",
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"fields": [
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{
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"name": "telcoOnTimePaymentRatio24m",
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"type": "number",
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"unit": "ratio",
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"range": [0, 1],
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"description": "Fraction of bills paid on time over the last 24 months. Strongest single telco predictor; ≥0.95 is the clean-history signal."
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},
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{
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"name": "telcoTenureMonths",
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"type": "number",
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"unit": "months",
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"range": [0, 600],
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"description": "Account age. ≥48 months is the thin-file uplift trigger."
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},
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{
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"name": "telcoSuspensionsCount24m",
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"type": "number",
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"unit": "count",
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"range": [0, 100],
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"description": "Non-payment-driven account suspensions in the last 24 months. ≥3 is a strong distress signal."
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},
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{
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"name": "telcoLateDays24m",
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"type": "number",
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"unit": "days",
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"range": [0, 800],
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"description": "Cumulative days late across all bills in the trailing 24-month window."
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},
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{
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"name": "telcoHandsetFinancingActive",
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"type": "boolean",
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"description": "Has an active handset-EMI account currently. Proxy for financing capacity already extended."
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},
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{
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"name": "telcoHandsetFinancingDelinquent",
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"type": "boolean",
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"description": "Recent handset-EMI delinquency in the last 24 months. Distress signal even with otherwise clean bill payment."
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},
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{
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"name": "telcoArpuMyr",
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"type": "number",
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"unit": "MYR",
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"range": [0, 10000],
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"description": "Average Revenue Per User (monthly) in Malaysian Ringgit. Coarse spending-capacity proxy."
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}
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]
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},
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{
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"id": "payment-network",
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"displayName": "Payment Network",
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"description": "Merchant-side payment-flow signals from POS / gateway networks (iPay88, GHL, etc.). Captures actual transaction velocity rather than self-reported revenue.",
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"canonicalTable": "ihs_alt_data_payments",
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"fields": [
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{
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"name": "paymentsMonthlyVolumeMyrT3",
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"type": "number",
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"unit": "MYR",
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"range": [0, 100000000],
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"description": "Mean monthly inbound transaction volume (RM) over the trailing 3 months."
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},
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{
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"name": "paymentsMonthlyVolumeMyrT12",
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"type": "number",
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"unit": "MYR",
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"range": [0, 100000000],
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"description": "Mean monthly inbound transaction volume (RM) over the trailing 12 months. Pair with T3 for trend direction."
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},
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{
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"name": "paymentsArpuStability12m",
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"type": "number",
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"unit": "ratio",
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"range": [0, 1],
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"description": "Coefficient-of-variation inverse over monthly ARPU in the trailing 12 months. Closer to 1 = steadier; closer to 0 = volatile."
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},
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{
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"name": "paymentsDisputeRate12m",
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"type": "number",
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"unit": "ratio",
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"range": [0, 1],
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"description": "Fraction of transactions disputed or refunded in the trailing 12 months."
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},
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{
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"name": "paymentsCustomerConcentrationTop5Pct",
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"type": "number",
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"unit": "ratio",
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"range": [0, 1],
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"description": "Revenue share from the top-5 recurring customers. Above ~0.7 is concentration risk."
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},
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{
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"name": "paymentsActiveTenureMonths",
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"type": "number",
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"unit": "months",
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"range": [0, 600],
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"description": "Months since first transaction on the payment network. Establishment / continuity proxy."
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}
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]
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},
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{
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"id": "bank-statement",
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"displayName": "Bank Statement",
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"description": "Per-month bank-statement extractions. Naturally multi-instance: one statement per (account, month). Eval components typically aggregate across instances (sum closing balance, max debit, count of bounced transactions).",
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"canonicalTable": "ihs_alt_data_bank_statements",
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"fields": [
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{
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"name": "bankStatementMonth",
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"type": "string",
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"description": "Statement period in YYYY-MM format. Used as the instance_key discriminator + by the `latest` aggregation operator."
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},
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{
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"name": "bankClosingBalanceMyr",
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"type": "number",
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"unit": "MYR",
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"range": [-100000000, 100000000],
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"description": "Closing balance for the statement period."
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},
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{
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"name": "bankTotalCreditsMyr",
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"type": "number",
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"unit": "MYR",
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"range": [0, 100000000],
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"description": "Sum of credit transactions during the period."
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},
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{
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"name": "bankTotalDebitsMyr",
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"type": "number",
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"unit": "MYR",
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"range": [0, 100000000],
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"description": "Sum of debit transactions during the period."
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},
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{
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"name": "bankLargestSingleCreditMyr",
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"type": "number",
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"unit": "MYR",
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"range": [0, 100000000],
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"description": "Largest single inbound transaction in the period. Useful for spotting one-off injections vs steady revenue."
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},
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{
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"name": "bankBouncedTransactionsCount",
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"type": "number",
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"unit": "count",
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"range": [0, 1000],
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"description": "Bounced / returned transactions in the period. Distress signal at counts > 0."
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}
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]
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}
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]
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}
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"name": "bank_statement_t1",
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"displayName": "Bank Statement (Month T-1)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT1",
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"statementDateT1",
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"name": "bank_statement_t2",
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"displayName": "Bank Statement (Month T-2)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT2",
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"statementDateT2",
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"name": "bank_statement_t3",
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"displayName": "Bank Statement (Month T-3)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT3",
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"statementDateT3",
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"name": "bank_statement_t4",
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"displayName": "Bank Statement (Month T-4)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT4",
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"statementDateT4",
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"name": "bank_statement_t5",
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"displayName": "Bank Statement (Month T-5)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT5",
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"statementDateT5",
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"name": "bank_statement_t6",
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"displayName": "Bank Statement (Month T-6)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"accountHolderNameT6",
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"statementDateT6",
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"name": "financials",
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"displayName": "Audited Financial Statement",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"shareCapital",
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"totalEquityT1",
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"name": "financials_fincap_t1",
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"displayName": "Audited Financial Statement (T-1) (FinCap)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"nonCurrentAssetsSubsidiaryCompaniesT1",
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"nonCurrentAssetsAssociatedCompaniesT1",
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"name": "financials_fincap_t2",
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"displayName": "Audited Financial Statement (T-2) (FinCap)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"nonCurrentAssetsSubsidiaryCompaniesT3",
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"nonCurrentAssetsAssociatedCompaniesT3",
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"name": "form9",
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"displayName": "Form 9 / Section 17 / Form D",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"incorporatedDate",
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"companyName",
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"name": "ssm",
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"displayName": "SSM Company Profile",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"ssmCompanyName",
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"ssmCompanyRegNo",
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"name": "ic",
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"displayName": "Identification Card (Front)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"icNumber",
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"icName",
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"name": "epf_statement_t1",
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"displayName": "Employees' Provident Fund (T-1)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"epfAccountHolderNameT1",
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"epfAccountHolderAddressT1",
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"name": "epf_statement_t2",
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"displayName": "Employees' Provident Fund (T-2)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"epfAccountHolderNameT2",
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"epfAccountHolderAddressT2",
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"name": "payslip_statement_t1",
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"displayName": "Payslip Statement (Month T-1)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"payslipEmployerNameT1",
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"payslipEmployeeNameT1",
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"name": "payslip_statement_t2",
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"displayName": "Payslip Statement (Month T-2)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"payslipEmployerNameT2",
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"payslipEmployeeNameT2",
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"name": "payslip_statement_t3",
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"displayName": "Payslip Statement (Month T-3)",
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"type": "file",
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"enableIf": "{formOfDisclosure} contains 'consented'",
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"ihs_column_names": [
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"payslipEmployerNameT3",
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"payslipEmployeeNameT3",
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"name": "payslip_statement_t4",
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"displayName": "Payslip Statement (Month T-4)",
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7319
|
"type": "file",
|
|
7337
|
-
"enableIf": "{formOfDisclosure} contains 'consented'",
|
|
7338
7320
|
"ihs_column_names": [
|
|
7339
7321
|
"payslipEmployerNameT4",
|
|
7340
7322
|
"payslipEmployeeNameT4",
|
|
@@ -7358,7 +7340,6 @@
|
|
|
7358
7340
|
"name": "payslip_statement_t5",
|
|
7359
7341
|
"displayName": "Payslip Statement (Month T-5)",
|
|
7360
7342
|
"type": "file",
|
|
7361
|
-
"enableIf": "{formOfDisclosure} contains 'consented'",
|
|
7362
7343
|
"ihs_column_names": [
|
|
7363
7344
|
"payslipEmployerNameT5",
|
|
7364
7345
|
"payslipEmployeeNameT5",
|
|
@@ -7382,7 +7363,6 @@
|
|
|
7382
7363
|
"name": "payslip_statement_t6",
|
|
7383
7364
|
"displayName": "Payslip Statement (Month T-6)",
|
|
7384
7365
|
"type": "file",
|
|
7385
|
-
"enableIf": "{formOfDisclosure} contains 'consented'",
|
|
7386
7366
|
"ihs_column_names": [
|
|
7387
7367
|
"payslipEmployerNameT6",
|
|
7388
7368
|
"payslipEmployeeNameT6",
|