electricsheepafrica/africa-synth-banking-bnpl-nigeria

⚠️ Synthetic dataset — Parameterized from published SSA literature, not real observations. Not suitable for empirical analysis or policy inference.

Buy Now Pay Later (BNPL) Transactions

Dataset Description

Nigerian Buy Now Pay Later (BNPL) transactions with default labels

This is a production-grade synthetic dataset with authentic Nigerian banking context, designed for BNPL default prediction, consumer credit risk, and installment payment optimization.

Key Features

• 🇳🇬 Nigerian Context: Real bank names, states, demographics
• 📊 ML-Ready Labels: Default flags at 30-day (5%) and 90-day (8%) windows
• ⚡ Large Scale: 2,000,000 rows
• 🎯 Realistic Distributions: Lognormal purchase amounts, merchant categories, tenor distributions
• 📅 Temporal Coverage: 2022-01-01 to 2024-12-31

Dataset Structure

Splits

• Train: 1,400,000 rows (70%)
• Validation: 300,000 rows (15%)
• Test: 300,000 rows (15%)

Schema

Key columns: transaction_id, purchase_date, customer_id, merchant_category, merchant_name, state, principal_ngn, interest_rate_monthly, tenor_days, num_installments, provider, credit_score, first_time_customer, first_payment_due, default_30d, default_90d

Usage

from datasets import load_dataset

# Load full dataset
dataset = load_dataset("electricsheepafrica/nigerian_bnpl")

# Load specific split
train_data = load_dataset("electricsheepafrica/nigerian_bnpl", split="train")

Labels

• Type: Default flags at 30-day (5%) and 90-day (8%) windows
• Use Case: BNPL default prediction, consumer credit risk, and installment payment optimization

Nigerian Context

Nigerian BNPL providers (Carbon, FairMoney, Branch, Renmoney, PayLater), merchant categories (electronics, fashion, furniture), promotional 0% interest periods, and Nigerian consumer behavior patterns.

Citation

@dataset{nigerian_banking_bnpl,
  title = {Nigerian Buy Now Pay Later (BNPL) Transactions},
  author = {Electric Sheep Africa},
  year = {2025},
  publisher = {Hugging Face},
  howpublished = {\url{https://huggingface.co/datasets/electricsheepafrica/nigerian_bnpl}}
}

License

Apache 2.0 - Free for commercial and research use.

Contact

• Organization: Electric Sheep Africa
• Collection: Nigeria Banking & Finance Datasets