# Metrics for Consumers
source: https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-metrics/index.md

Consumer Credit Analytics (CCA) provides lenders with near real-time access to custom metrics for consumer transactions. Mastercard Transaction Metrics (MTM) generates card-level metrics for credit risk by leveraging cardholders' Mastercard debit and credit transaction data.

## Pre-requisite {#pre-requisite}

Following are the pre-requisites to use this service:

* The lender needs to have the consent of the consumer before requesting the CCA API to fetch the metrics.
* The lender needs to have the following details:
  * Consumer's PAN number
  * Issuer's Country Code

## Sequence Diagram {#sequence-diagram}

Diagram transaction_metrics

### Following are the execution steps: {#following-are-the-execution-steps}

1. The consumer provides their primary Mastercard card number in their application to the lender. Consumer must also provide their consent to the lender for the use of transaction data on the card to compute metrics.
2. The lender sends the request to the Consumer Credit Analytics API to obtain the metrics for the Mastercard card held by the consumer and explicitly indicates that consent was captured
3. The Consumer Credit Analytics application validates the request for an account number and if valid cardholder consent is present. The application computes the metrics for the request and responds to the lender.
4. The lender uses the metrics for the cardholder in lending decision-making.
5. The lender communicates the credit decision to the consumer.

You will receive an error response for an invalid request or any missing request parameter.
Note: It is recommended by Mastercard that the consent flag (part of request input) should always be linked to or referenced against your consent management system. The consent flag signifies that you have consent from the consumer to request the data from Mastercard which would be utilized for your lending operations about the applicant only.

For more information about the error codes, refer to the [Code and Formats](https://developer.mastercard.com/consumer-credit-analytics/documentation/code-and-formats/index.md) section.

## Sample Request and Response {#sample-request-and-response}

For a sample request and response of this API, see [Retrieve Consumer Metrics](https://developer.mastercard.com/consumer-credit-analytics/documentation/testing/metrics-req-res/index.md).

## Use Case Examples {#use-case-examples}

Refer to the following use case examples relating to a real-world scenario:

* [Identifying customers for lending opportunities](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-metrics/index.md#identifying-customers-for-lending-opportunities)
* [Credit line management](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-metrics/index.md#credit-line-management)
* [Targeting low-risk customers for travel card upsell and cross-sell](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-metrics/index.md#targeting-low-risk-customers-for-travel-card-upsell-and-cross-sell)

### Identifying customers for lending opportunities {#identifying-customers-for-lending-opportunities}

MTM assesses credit risk by analyzing decline patterns (credit limit breaches) and spikes in certain industry spending (like necessity and risky) thus highlighting financial strain.

The POST `/metrics` API helps refine lending strategies by identifying high-risk areas for policy adjustments or tailored products.

### Credit line management {#credit-line-management}

Banks can identify cardholders for credit line increases by analyzing decline patterns and spending habits. Frequent declines due to credit limits, coupled with high luxury spending and low-risk industry spends, indicate strong capacity and demand.

The POST `/metrics` API helps assess declines and industry spends, enabling data-driven credit line decisions.

### Targeting low-risk customers for travel card upsell and cross-sell {#targeting-low-risk-customers-for-travel-card-upsell-and-cross-sell}

Low decline rates due to credit limit breaches indicate creditworthy cardholders, ideal for cross-sell or upsell. Cross-border spend identifies prime travel card prospects, while card-present transactions within cross-border reveal seasonal trends, enabling well-timed premium card offers.

The POST `/metrics` API refines strategies by analyzing spend patterns and creditworthiness.

## Endpoint {#endpoint}


API Reference: `POST /metrics`