| transaction_id,purchase_date,customer_id,merchant_category,merchant_name,customer_state,principal_ngn,interest_rate_monthly,tenor_days,num_installments,provider,credit_score,first_time_customer,first_payment_due,default_30d,default_90d |
| BNPL-0000274330,2024-07-10,CUS-00036437,groceries,Groceries Store 105,Oyo,35416.989134742886,0.0,14,1,FairMoney,645,False,2024-08-09,False,False |
| BNPL-0001873807,2023-08-01,CUS-00131005,furniture,Furniture Store 820,Lagos,43154.84670603445,0.0,30,1,FairMoney,716,True,2023-08-31,False,False |
| BNPL-0001029126,2022-02-12,CUS-00648656,electronics,Electronics Store 346,Abuja (FCT),247235.6151124731,0.0,14,1,Branch,470,False,2022-03-14,False,False |
| BNPL-0001512791,2023-01-26,CUS-00611557,furniture,Furniture Store 393,Lagos,70679.21723036664,0.03272774744299827,30,1,Branch,620,False,2023-02-25,False,False |
| BNPL-0000552055,2023-01-12,CUS-00499951,fashion,Fashion Store 956,Ekiti,225083.5043127901,0.04965523147852287,90,3,Branch,536,False,2023-02-11,False,False |
| BNPL-0001320205,2024-10-31,CUS-00361857,groceries,Groceries Store 902,Enugu,68583.77260243788,0.0,30,1,Branch,700,True,2024-11-30,False,False |
| BNPL-0001240716,2022-07-14,CUS-00017739,fashion,Fashion Store 304,Lagos,26826.99512408854,0.0395323781705534,30,1,Branch,735,False,2022-08-13,False,False |
| BNPL-0001905652,2024-12-18,CUS-00607469,fashion,Fashion Store 747,Adamawa,11537.404930539655,0.02708009892409436,30,1,Renmoney,587,True,2025-01-17,False,False |
| BNPL-0000756202,2024-08-05,CUS-00655563,other,Other Store 325,Cross River,25579.23439870545,0.04543871068905091,30,1,Carbon,661,False,2024-09-04,False,False |
| BNPL-0000173103,2022-06-29,CUS-00535542,electronics,Electronics Store 46,Osun,34657.09419332149,0.036495570934379086,14,1,FairMoney,683,False,2022-07-29,False,False |
| BNPL-0001805232,2023-09-17,CUS-00606050,fashion,Fashion Store 187,Kaduna,47208.684563792405,0.0,30,1,Carbon,734,True,2023-10-17,False,False |
| BNPL-0001577773,2022-06-08,CUS-00542475,groceries,Groceries Store 346,Delta,13136.566347437687,0.03329868354557327,30,1,Branch,644,True,2022-07-08,False,False |
| BNPL-0001392780,2024-09-25,CUS-00618103,fashion,Fashion Store 159,Plateau,79564.99504896438,0.0,60,2,Carbon,618,False,2024-10-25,False,False |
| BNPL-0000619787,2024-09-23,CUS-00568225,fashion,Fashion Store 647,Abia,62004.14812144746,0.040567922943229466,90,3,Carbon,658,True,2024-10-23,False,False |
| BNPL-0001000246,2022-08-25,CUS-00617220,fashion,Fashion Store 53,Kaduna,27465.762763249935,0.04498108920421616,60,2,Carbon,663,True,2022-09-24,False,False |
| BNPL-0000977729,2024-06-08,CUS-00519368,furniture,Furniture Store 811,Anambra,24819.56253540535,0.0,30,1,PayLater,657,True,2024-07-08,False,False |
| BNPL-0000472622,2023-08-18,CUS-00339307,groceries,Groceries Store 511,Anambra,22274.651184079456,0.0,30,1,Carbon,619,False,2023-09-17,False,False |
| BNPL-0001338614,2022-08-23,CUS-00350580,electronics,Electronics Store 598,Anambra,14279.165199402916,0.025565142980322607,60,2,FairMoney,550,True,2022-09-22,False,False |
| BNPL-0001466942,2024-05-12,CUS-00251031,electronics,Electronics Store 595,Anambra,32643.5612408376,0.029259918051687362,30,1,Carbon,754,True,2024-06-11,False,False |
| BNPL-0000680955,2023-05-10,CUS-00599614,electronics,Electronics Store 947,Delta,71259.13762346408,0.03932895030037799,30,1,FairMoney,629,False,2023-06-09,False,False |
| BNPL-0000519486,2022-03-07,CUS-00239115,furniture,Furniture Store 643,Lagos,5716.160629827403,0.0,30,1,FairMoney,577,False,2022-04-06,False,False |
| BNPL-0001863776,2022-07-20,CUS-00432975,fashion,Fashion Store 628,Lagos,68914.19180647953,0.04465378523979552,30,1,FairMoney,693,True,2022-08-19,False,False |
| BNPL-0000275250,2024-06-24,CUS-00551221,fashion,Fashion Store 865,Kaduna,24155.990344077578,0.0,30,1,Carbon,694,True,2024-07-24,False,False |
| BNPL-0001654389,2023-01-30,CUS-00627137,furniture,Furniture Store 425,Kano,19701.844968481175,0.0,30,1,FairMoney,698,True,2023-03-01,False,False |
| BNPL-0000368186,2024-05-28,CUS-00448787,other,Other Store 265,Abuja (FCT),96420.20389729136,0.035243356017464714,30,1,Carbon,574,False,2024-06-27,False,False |
| BNPL-0001460714,2022-01-27,CUS-00087884,groceries,Groceries Store 975,Abuja (FCT),20426.93208241183,0.031407333603407805,60,2,Renmoney,558,False,2022-02-26,False,False |
| BNPL-0000293457,2022-09-22,CUS-00346385,electronics,Electronics Store 437,Lagos,43106.93968861354,0.030010982289778693,60,2,Renmoney,485,True,2022-10-22,False,False |
| BNPL-0000731163,2023-08-09,CUS-00186345,fashion,Fashion Store 874,Sokoto,85657.73115514881,0.0,60,2,Branch,629,False,2023-09-08,False,False |
| BNPL-0000941333,2024-05-07,CUS-00462081,other,Other Store 79,Delta,11230.690923675638,0.046862842853391665,30,1,PayLater,502,False,2024-06-06,False,False |
| BNPL-0001201389,2022-09-15,CUS-00639782,other,Other Store 282,Lagos,60339.060316622694,0.03771015219679421,30,1,PayLater,641,False,2022-10-15,False,False |
| BNPL-0001263305,2023-03-15,CUS-00034586,furniture,Furniture Store 264,Ogun,39946.36218172565,0.0,14,1,Branch,549,False,2023-04-14,False,False |
| BNPL-0001458714,2022-06-10,CUS-00559063,electronics,Electronics Store 494,Lagos,37973.37445246392,0.026552333159850373,30,1,FairMoney,697,True,2022-07-10,False,False |
| BNPL-0001742612,2022-03-12,CUS-00250840,electronics,Electronics Store 179,Lagos,22698.412129592405,0.034998511589636426,30,1,FairMoney,654,False,2022-04-11,False,False |
| BNPL-0001692712,2022-10-13,CUS-00187842,electronics,Electronics Store 799,Lagos,7690.87331947467,0.027520678874701304,30,1,Carbon,593,True,2022-11-12,True,True |
| BNPL-0001723613,2022-04-08,CUS-00591842,fashion,Fashion Store 993,Lagos,25816.18048779213,0.03141354912791308,14,1,FairMoney,614,False,2022-05-08,False,False |
| BNPL-0000549409,2022-03-21,CUS-00063436,electronics,Electronics Store 39,Lagos,44151.153838292,0.0473468171045179,60,2,PayLater,452,False,2022-04-20,False,False |
| BNPL-0001125763,2024-06-03,CUS-00445636,electronics,Electronics Store 463,Kano,34870.28209607586,0.03580710777733279,90,3,Carbon,643,False,2024-07-03,False,False |
| BNPL-0000419842,2023-07-05,CUS-00064673,electronics,Electronics Store 334,Kano,32198.222287395358,0.0,30,1,FairMoney,440,False,2023-08-04,False,False |
| BNPL-0001499603,2024-06-15,CUS-00499986,furniture,Furniture Store 505,Abuja (FCT),13888.834343351335,0.039589251324146375,30,1,FairMoney,521,False,2024-07-15,False,False |
| BNPL-0001567582,2024-02-11,CUS-00287916,electronics,Electronics Store 49,Abuja (FCT),9535.89313674639,0.03961483323111265,30,1,Carbon,536,True,2024-03-12,False,True |
| BNPL-0001615495,2023-01-14,CUS-00423015,electronics,Electronics Store 400,Abia,44365.09951125991,0.048404576322548784,30,1,Renmoney,583,False,2023-02-13,False,False |
| BNPL-0001412645,2023-05-29,CUS-00242700,fashion,Fashion Store 946,Abuja (FCT),500000.0,0.02722006829009195,60,2,Carbon,746,True,2023-06-28,False,False |
| BNPL-0001057567,2024-08-13,CUS-00095152,other,Other Store 600,Lagos,35223.66684477911,0.0,30,1,Carbon,681,False,2024-09-12,False,False |
| BNPL-0000455753,2024-05-27,CUS-00058626,electronics,Electronics Store 319,Katsina,27206.717349085742,0.0,14,1,Carbon,612,True,2024-06-26,False,False |
| BNPL-0000330136,2024-04-07,CUS-00198889,fashion,Fashion Store 234,Kaduna,51016.22805595312,0.031862277768217526,30,1,FairMoney,803,True,2024-05-07,False,False |
| BNPL-0001250922,2024-06-04,CUS-00322962,fashion,Fashion Store 254,Rivers,77864.10542505319,0.0,90,3,Branch,522,False,2024-07-04,False,False |
| BNPL-0000732850,2023-07-23,CUS-00345205,groceries,Groceries Store 133,Niger,22057.131116342087,0.042732522675928516,14,1,Carbon,682,False,2023-08-22,False,False |
| BNPL-0001904954,2023-01-22,CUS-00167485,electronics,Electronics Store 148,Kaduna,58765.54022414776,0.02707926895440897,90,3,Carbon,643,False,2023-02-21,False,False |
| BNPL-0001509403,2023-05-01,CUS-00077638,fashion,Fashion Store 268,Rivers,14342.51460643393,0.04477079785852471,90,3,FairMoney,588,False,2023-05-31,False,False |
| BNPL-0000569294,2022-03-06,CUS-00264075,electronics,Electronics Store 431,Kaduna,8116.358505456428,0.0,30,1,Renmoney,738,False,2022-04-05,False,False |
| BNPL-0001076361,2023-01-05,CUS-00164145,furniture,Furniture Store 247,Rivers,11512.007100392533,0.04617259590631972,14,1,FairMoney,674,False,2023-02-04,False,False |
| BNPL-0000006627,2023-06-05,CUS-00207032,fashion,Fashion Store 391,Lagos,5000.0,0.0,30,1,FairMoney,628,False,2023-07-05,False,False |
| BNPL-0001780106,2023-07-24,CUS-00047485,fashion,Fashion Store 288,Benue,42744.653890427246,0.03093566244237564,30,1,Branch,692,False,2023-08-23,False,False |
| BNPL-0000552653,2023-09-03,CUS-00493529,other,Other Store 549,Kaduna,53857.11841012084,0.036745417741460694,30,1,Carbon,597,False,2023-10-03,False,False |
| BNPL-0001650135,2022-01-17,CUS-00091542,electronics,Electronics Store 170,Lagos,39637.67061736604,0.04870569212013599,30,1,Branch,642,True,2022-02-16,False,False |
| BNPL-0000525527,2024-01-05,CUS-00228251,fashion,Fashion Store 987,Abia,116980.3277663463,0.02676673276604659,30,1,Branch,657,False,2024-02-04,False,False |
| BNPL-0000175570,2024-04-26,CUS-00015326,furniture,Furniture Store 778,Rivers,31860.330745621726,0.025778036133460646,90,3,FairMoney,525,False,2024-05-26,False,False |
| BNPL-0000594360,2023-09-22,CUS-00578733,furniture,Furniture Store 517,Ekiti,31090.752860650857,0.03788787617478064,14,1,Carbon,563,True,2023-10-22,True,True |
| BNPL-0001607171,2024-12-21,CUS-00643904,electronics,Electronics Store 662,Lagos,9274.56567366763,0.043151939953608984,30,1,FairMoney,482,False,2025-01-20,False,False |
| BNPL-0001114099,2023-03-18,CUS-00312279,electronics,Electronics Store 867,Ogun,25436.120545555375,0.0,30,1,Branch,634,False,2023-04-17,False,False |
| BNPL-0001696599,2023-05-25,CUS-00640328,furniture,Furniture Store 811,Rivers,21413.747951730187,0.0,90,3,Carbon,469,False,2023-06-24,False,False |
| BNPL-0001190084,2023-01-19,CUS-00075675,fashion,Fashion Store 110,Imo,29004.660162355678,0.0,30,1,Carbon,538,False,2023-02-18,False,False |
| BNPL-0000616849,2022-11-06,CUS-00379883,groceries,Groceries Store 28,Delta,28262.90020108141,0.0462250868207904,30,1,FairMoney,751,True,2022-12-06,False,False |
| BNPL-0000223448,2022-02-09,CUS-00307647,fashion,Fashion Store 997,Zamfara,78323.76293087179,0.04519728984725167,14,1,Carbon,556,True,2022-03-11,True,True |
| BNPL-0000705016,2023-02-03,CUS-00171732,other,Other Store 194,Lagos,73248.50843157757,0.03505399768792428,30,1,FairMoney,644,False,2023-03-05,False,False |
| BNPL-0001168972,2022-01-18,CUS-00500027,groceries,Groceries Store 720,Kaduna,68501.6521014843,0.035760873140250435,30,1,Renmoney,514,False,2022-02-17,False,False |
| BNPL-0000485574,2024-11-27,CUS-00363469,electronics,Electronics Store 114,Kano,23696.94368654635,0.042069049981594456,14,1,Carbon,617,True,2024-12-27,False,False |
| BNPL-0000616524,2024-02-11,CUS-00351526,fashion,Fashion Store 620,Plateau,33493.06460811392,0.02637418429504384,30,1,Branch,702,True,2024-03-12,False,False |
| BNPL-0000999811,2023-01-06,CUS-00229070,fashion,Fashion Store 866,Abuja (FCT),8806.762251644932,0.0,30,1,Carbon,670,False,2023-02-05,False,False |
| BNPL-0000177770,2022-10-16,CUS-00366555,furniture,Furniture Store 942,Lagos,121614.38596673353,0.040983281943901606,14,1,PayLater,626,True,2022-11-15,False,False |
| BNPL-0000436212,2022-08-25,CUS-00176578,electronics,Electronics Store 9,Abuja (FCT),21743.278166723187,0.0,60,2,PayLater,589,True,2022-09-24,False,False |
| BNPL-0001141002,2023-09-29,CUS-00346194,furniture,Furniture Store 99,Kano,230024.4393832451,0.03145667188986624,30,1,Carbon,607,True,2023-10-29,False,False |
| BNPL-0000281603,2023-09-16,CUS-00443169,electronics,Electronics Store 389,Lagos,28591.95562405171,0.027220322452281093,60,2,FairMoney,650,False,2023-10-16,False,False |
| BNPL-0000554326,2022-05-18,CUS-00562396,electronics,Electronics Store 993,Abuja (FCT),20260.312864926997,0.0,30,1,Carbon,631,False,2022-06-17,False,False |
| BNPL-0000698321,2023-08-26,CUS-00539276,furniture,Furniture Store 593,Kogi,43182.241322198126,0.03799353967056185,30,1,FairMoney,627,False,2023-09-25,False,False |
| BNPL-0001278972,2022-07-08,CUS-00078173,fashion,Fashion Store 134,Yobe,19367.922756684948,0.0,30,1,FairMoney,632,True,2022-08-07,False,False |
| BNPL-0001687936,2024-09-11,CUS-00308869,fashion,Fashion Store 237,Delta,7609.3577530992,0.0,30,1,Branch,611,False,2024-10-11,False,False |
| BNPL-0001951399,2022-01-01,CUS-00256596,fashion,Fashion Store 58,Imo,20568.053172835214,0.0273810540110717,90,3,Renmoney,620,False,2022-01-31,False,False |
| BNPL-0001957664,2024-09-04,CUS-00055832,furniture,Furniture Store 791,Delta,7061.275235943125,0.0,60,2,Carbon,554,False,2024-10-04,False,False |
| BNPL-0001964452,2023-04-02,CUS-00502555,groceries,Groceries Store 929,Kano,40133.85421208433,0.0,30,1,FairMoney,478,True,2023-05-02,True,True |
| BNPL-0001190884,2023-06-03,CUS-00046844,fashion,Fashion Store 847,Imo,90097.33747446291,0.04213231303247324,30,1,FairMoney,562,False,2023-07-03,False,False |
| BNPL-0000284410,2023-02-05,CUS-00327528,fashion,Fashion Store 243,Abuja (FCT),54476.87951713594,0.0,30,1,Carbon,807,True,2023-03-07,False,False |
| BNPL-0000325723,2024-10-17,CUS-00588595,furniture,Furniture Store 271,Rivers,20047.092813880092,0.0,14,1,Carbon,581,True,2024-11-16,True,True |
| BNPL-0001385525,2023-11-17,CUS-00317884,other,Other Store 654,Delta,50180.548627378994,0.048039053562914054,14,1,PayLater,680,False,2023-12-17,False,False |
| BNPL-0001568343,2024-10-29,CUS-00498093,furniture,Furniture Store 681,Rivers,15711.204549260723,0.02575646385110006,14,1,Branch,717,True,2024-11-28,False,False |
| BNPL-0000224301,2023-09-28,CUS-00570810,electronics,Electronics Store 810,Lagos,11577.944443598408,0.0,30,1,Renmoney,678,False,2023-10-28,False,False |
| BNPL-0000624818,2022-09-30,CUS-00401753,fashion,Fashion Store 603,Lagos,85081.52148243276,0.04064685967145408,30,1,PayLater,635,False,2022-10-30,False,False |
| BNPL-0000765150,2023-01-07,CUS-00519816,groceries,Groceries Store 940,Lagos,53089.05491946767,0.0,30,1,PayLater,659,False,2023-02-06,False,False |
| BNPL-0000579074,2023-02-27,CUS-00035101,electronics,Electronics Store 304,Oyo,42645.14570952124,0.03246856030776745,30,1,Branch,529,False,2023-03-29,False,False |
| BNPL-0000946162,2022-04-03,CUS-00323499,electronics,Electronics Store 681,Abuja (FCT),43840.84616682335,0.043760425541695444,30,1,FairMoney,528,False,2022-05-03,False,False |
| BNPL-0001043259,2022-01-27,CUS-00240865,furniture,Furniture Store 703,Kwara,21116.269347219535,0.03504460785142753,30,1,Carbon,687,True,2022-02-26,False,False |
| BNPL-0000202585,2022-07-28,CUS-00031195,fashion,Fashion Store 456,Edo,98240.39393056973,0.0,90,3,Branch,695,True,2022-08-27,False,False |
| BNPL-0000655083,2024-07-27,CUS-00242045,electronics,Electronics Store 658,Rivers,20460.165862826845,0.0,30,1,Carbon,716,False,2024-08-26,False,False |
| BNPL-0000047715,2024-05-06,CUS-00245230,electronics,Electronics Store 738,Lagos,25453.09706403601,0.036537242118180414,30,1,Renmoney,545,True,2024-06-05,True,True |
| BNPL-0001232291,2022-09-28,CUS-00208234,other,Other Store 941,Katsina,17960.45054186005,0.035172363995478434,30,1,PayLater,634,False,2022-10-28,False,False |
| BNPL-0001142153,2024-03-21,CUS-00660278,electronics,Electronics Store 666,Ekiti,128358.34216888565,0.028451291528839733,60,2,Carbon,481,False,2024-04-20,False,False |
| BNPL-0000039235,2023-04-19,CUS-00157874,furniture,Furniture Store 632,Kaduna,99697.40444628304,0.025989877794372566,30,1,Carbon,604,True,2023-05-19,False,False |
| BNPL-0001010669,2023-09-20,CUS-00663170,furniture,Furniture Store 433,Abuja (FCT),53674.0758071085,0.03920268008782614,30,1,PayLater,580,False,2023-10-20,False,False |
| BNPL-0000111627,2022-05-04,CUS-00603558,electronics,Electronics Store 933,Edo,6463.785338197611,0.0,14,1,Carbon,488,False,2022-06-03,False,False |
| BNPL-0001520648,2023-08-18,CUS-00428565,groceries,Groceries Store 851,Abuja (FCT),12545.10026000219,0.0,60,2,Branch,560,True,2023-09-17,False,False |
|
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