electricsheepafrica/nigerian-banking-bnpl

这是一个面向尼日利亚Buy Now Pay Later (BNPL)交易的生产级别合成数据集，包含默认标签。它具有真实的尼日利亚银行背景，专为BNPL违约预测、消费者信用风险和分期付款优化设计。数据集包含了尼日利亚的银行名称、州、人口统计信息，以及30天和90天默认标志的机器学习就绪标签。数据集规模宏大，共有200万行数据，并且具有现实分布的购买金额、商户类别和期限分布。时间覆盖范围从2022年1月1日至2024年12月31日。This is a production-grade synthetic dataset of Nigerian Buy Now Pay Later (BNPL) transactions with default labels. It has an authentic Nigerian banking context and is designed for BNPL default prediction, consumer credit risk, and installment payment optimization. The dataset includes real bank names, states, demographics, and ML-ready labels with default flags at 30-day (5%) and 90-day (8%) windows. It is large scale with 2,000,000 rows and realistic distributions of purchase amounts, merchant categories, and tenor distributions. The temporal coverage is from 2022-01-01 to 2024-12-31.