electricsheepafrica/nigerian-banking-bnpl

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