electricsheepafrica/nigerian-banking-card-authorization-logs

Card Authorization Logs

Dataset Description

Nigerian card authorization requests and responses with fraud labels

This is a production-grade synthetic dataset with authentic Nigerian banking context, designed for real-time fraud detection, authorization optimization, and payment gateway monitoring.

Key Features

• 🇳🇬 Nigerian Context: Real bank names, states, demographics
• 📊 ML-Ready Labels: Fraud flag (1.5% prevalence)
• ⚡ Large Scale: 3,000,000 rows
• 🎯 Realistic Distributions: Lognormal amounts, response time distributions, auth result patterns
• 📅 Temporal Coverage: 2023-01-01 to 2024-12-31

Dataset Structure

Splits

• Train: 2,100,000 rows (70%)
• Validation: 450,000 rows (15%)
• Test: 450,000 rows (15%)

Schema

Key columns: auth_id, timestamp, masked card_number, amount_ngn, merchant_id, auth_result (approved/declined/timeout), response_time_ms, fraud_flag

Usage

from datasets import load_dataset

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

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

Labels

• Type: Fraud flag (1.5% prevalence)
• Use Case: real-time fraud detection, authorization optimization, and payment gateway monitoring

Nigerian Context

Nigerian card authorization patterns, typical response times, decline reasons, fraud scenarios including card testing, velocity checks, and issuer mismatches.

Citation

@dataset{nigerian_banking_card_authorization_logs,
  title = {Nigerian Card Authorization Logs},
  author = {Electric Sheep Africa},
  year = {2025},
  publisher = {Hugging Face},
  howpublished = {\url{https://huggingface.co/datasets/electricsheepafrica/nigerian_card_authorization_logs}}
}

License

Apache 2.0 - Free for commercial and research use.

Contact

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