Prime Capital Bank — Data Dictionary

DIM_CUSTOMER

GOLD SCD Type 2 · Customer master dimension ~500,000 rows

Column	Type	Key	Nullable	Description
customer_id	STRING	PK	NOT NULL	Surrogate key: CUST-XXXXXXXX
id_number	STRING(13)		NOT NULL	SA 13-digit identity document number (masked in Silver, visible in Gold with access)
first_name	STRING		NOT NULL	Customer first name
last_name	STRING		NOT NULL	Customer surname
date_of_birth	DATE		NOT NULL	Date of birth (derived from id_number digits 1–6)
gender	STRING		NOT NULL	Male / Female / Non-Binary (derived from id_number digits 7–10)
province	STRING		NOT NULL	One of 9 SA provinces
city	STRING		NULLABLE	City of primary residence
postal_code	STRING(4)		NULLABLE	SA 4-digit postal code
customer_segment	STRING		NOT NULL	Retail / Business / Private Banking / Youth / Student
employment_status	STRING		NULLABLE	Employed / Self-Employed / Unemployed / Retired / Student
annual_income_zar	DECIMAL(15,2)		NULLABLE	Self-declared gross annual income in ZAR
credit_score	INTEGER		NULLABLE	PCB proprietary credit score 300–850 (updated monthly by ML model)
kyc_status	STRING		NOT NULL	Verified / Pending / Expired / Failed (FICA compliance)
onboarding_date	DATE		NOT NULL	Date customer account was activated
is_active	BOOLEAN		NOT NULL	TRUE if customer has at least one active product
scd_start_date	DATE		NOT NULL	SCD2 validity start
scd_end_date	DATE		NULLABLE	SCD2 validity end (NULL = current record)
is_current	BOOLEAN		NOT NULL	TRUE = current active SCD2 record

DIM_FINTECH

GOLD SCD Type 1 · SA fintech acquiring partners 5 rows

Column	Type	Key	Nullable	Description
fintech_id	STRING	PK	NOT NULL	Surrogate key: FT001–FT005
fintech_name	STRING		NOT NULL	Partner name: Yoco / SnapScan / PayFast / Peach Payments / PayGate
platform_type	STRING		NOT NULL	POS Card Acquiring / QR Code Payments / E-commerce Gateway / API Payment Platform / Enterprise Payment Gateway
fee_rate_pct	DECIMAL(5,4)		NOT NULL	Merchant Discount Rate percentage (e.g. 2.95 = 2.95%)
min_fee_zar	DECIMAL(8,2)		NOT NULL	Minimum fee per transaction in ZAR (0.00 if no minimum)
avg_basket_zar	DECIMAL(10,2)		NULLABLE	Average transaction basket size in ZAR (from partner reporting)
active_merchants_est	INTEGER		NULLABLE	Estimated active merchant count on the platform nationally
annual_volume_zar_bn	DECIMAL(8,2)		NULLABLE	Reported annual transaction volume in billions ZAR
settlement_days	INTEGER		NOT NULL	Business days to settlement (1 = next-day, 2 = T+2)
risk_rating	STRING		NOT NULL	PCB internal risk rating: Low / Medium / High
headquarters	STRING		NULLABLE	Headquarters city
founded_year	INTEGER		NULLABLE	Year company was founded
is_active	BOOLEAN		NOT NULL	TRUE = partnership currently active

FACT_FINTECH_SETTLEMENT

GOLD Monthly grain · Partner settlement totals 60 rows (5 partners × 12 months)

Column	Type	Key	Nullable	Description
settlement_id	STRING	PK	NOT NULL	Surrogate key: SET-XXXXXXXX
fintech_id	STRING	FK	NOT NULL	References DIM_FINTECH.fintech_id
settlement_month	DATE		NOT NULL	First day of settlement month (partition key)
gross_volume_zar	DECIMAL(18,2)		NOT NULL	Total merchant transaction volume processed through the partner
transaction_count	BIGINT		NOT NULL	Number of individual transactions in the settlement period
mdr_fees_zar	DECIMAL(15,2)		NOT NULL	Merchant Discount Rate fees earned by PCB (gross_volume × fee_rate)
net_settlement_zar	DECIMAL(18,2)		NOT NULL	Amount settled to merchants after deducting MDR fees
chargeback_count	INTEGER		NOT NULL	Number of chargeback disputes received
chargeback_value_zar	DECIMAL(12,2)		NOT NULL	Total ZAR value of chargeback disputes
dispute_count	INTEGER		NOT NULL	Total disputes (chargebacks + merchant queries)
settlement_status	STRING		NOT NULL	Completed / Pending / Disputed
load_timestamp	TIMESTAMP		NOT NULL	Databricks pipeline ingestion timestamp

FACT_FRAUD_ALERT

GOLD Transaction-level · ML-generated fraud signals ~48,000 rows

Column	Type	Key	Nullable	Description
alert_id	STRING	PK	NOT NULL	Surrogate key: ALT-XXXXXXXX
transaction_id	STRING	FK	NULLABLE	References FACT_TRANSACTION (null for proactive/non-tx alerts)
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER.customer_id
account_id	STRING	FK	NULLABLE	References DIM_ACCOUNT
alert_date	DATE		NOT NULL	Date alert was triggered (partition key)
alert_type	STRING		NOT NULL	Real-time / Batch / Manual Review
fraud_category	STRING		NOT NULL	Card Not Present / Account Takeover / Identity Fraud / ATM Skimming / Phishing / Merchant Fraud / Debit Order Abuse
risk_score	DECIMAL(4,3)		NOT NULL	ML model output: 0.000–1.000 (≥0.80 = Critical)
amount_zar	DECIMAL(15,2)		NULLABLE	Transaction amount at risk in ZAR
status	STRING		NOT NULL	Open / Under Investigation / Resolved / False Positive
investigation_status	STRING		NULLABLE	Assigned / In Progress / Escalated / Closed
resolution_date	DATE		NULLABLE	Date alert was resolved (null if still open)
ml_model_version	STRING		NOT NULL	Model version that generated the alert (e.g. fraud_v3.2.1)
ml_confidence_score	DECIMAL(4,3)		NULLABLE	Model confidence in the prediction (separate from risk score)
feature_flags	STRING		NULLABLE	JSON: top contributing features (velocity, geo_mismatch, device_new)

DIM_ACCOUNT

GOLDSCD Type 1 · Account master~820,000 rows

Column	Type	Key	Nullable	Description
account_id	STRING	PK	NOT NULL	Surrogate key: ACC-XXXXXXXX
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER
branch_id	STRING	FK	NOT NULL	References DIM_BRANCH
account_number	STRING(12)		NOT NULL	PCB account number (masked: ****XXXX)
account_type	STRING		NOT NULL	Savings / Cheque / Investment / Fixed Deposit / Money Market
current_balance_zar	DECIMAL(18,2)		NOT NULL	Current balance as of last statement date
available_balance_zar	DECIMAL(18,2)		NOT NULL	Available balance (current minus holds)
interest_rate_pct	DECIMAL(5,4)		NULLABLE	Annual interest rate applied to the account
account_status	STRING		NOT NULL	Active / Dormant / Closed / Suspended / Frozen
open_date	DATE		NOT NULL	Date account was opened
close_date	DATE		NULLABLE	Date account was closed (null if open)

DIM_BRANCH

GOLDSCD Type 1 · Branch / ATM network200 rows

Column	Type	Key	Nullable	Description
branch_id	STRING	PK	NOT NULL	Surrogate key: BR001–BR200
branch_name	STRING		NOT NULL	Branch display name
branch_type	STRING		NOT NULL	Flagship / Full Service / Standard / Micro Branch / ATM Only
province	STRING		NOT NULL	One of 9 SA provinces
city	STRING		NOT NULL	Municipality city
region	STRING		NULLABLE	PCB internal sales region (matches SARB reporting regions)
latitude	DECIMAL(9,6)		NULLABLE	GPS latitude for mapping
longitude	DECIMAL(9,6)		NULLABLE	GPS longitude for mapping
opening_date	DATE		NOT NULL	Branch opening date
is_active	BOOLEAN		NOT NULL	TRUE = currently operational

DIM_MERCHANT

GOLDSCD Type 1 · Card acquiring merchant registry~45,000 rows

Column	Type	Key	Nullable	Description
merchant_id	STRING	PK	NOT NULL	Surrogate key: MERCH-XXXXXXXX
merchant_name	STRING		NOT NULL	Registered merchant trading name
merchant_category_code	STRING(4)		NOT NULL	ISO 18245 MCC (e.g. 5411 = Grocery, 5541 = Service Stations)
merchant_category	STRING		NOT NULL	Human-readable MCC group
province	STRING		NOT NULL	Province of primary business address
city	STRING		NULLABLE	City
acquiring_bank	STRING		NOT NULL	Acquiring institution (Prime Capital Bank)
risk_level	STRING		NOT NULL	Low / Medium / High / Blocked
is_active	BOOLEAN		NOT NULL	Active merchant relationship

DIM_DATE

GOLDStatic · Calendar dimension 2020–20251,826 rows

Column	Type	Key	Nullable	Description
date_id	INTEGER	PK	NOT NULL	YYYYMMDD integer key (e.g. 20240315)
calendar_date	DATE		NOT NULL	Full date
year	INTEGER		NOT NULL	Calendar year
quarter	INTEGER		NOT NULL	1–4
month	INTEGER		NOT NULL	1–12
month_name	STRING		NOT NULL	January … December
day_of_week	INTEGER		NOT NULL	1=Monday … 7=Sunday (ISO 8601)
day_name	STRING		NOT NULL	Monday … Sunday
is_weekend	BOOLEAN		NOT NULL	Saturday or Sunday
is_public_holiday	BOOLEAN		NOT NULL	SA public holiday flag
is_business_day	BOOLEAN		NOT NULL	Not weekend and not public holiday

DIM_COUNTERPARTY

GOLDSCD Type 1 · Payment counterparties (other banks, individuals)~12,000 rows

Column	Type	Key	Nullable	Description
counterparty_id	STRING	PK	NOT NULL	Surrogate key: CP-XXXXXXXX
counterparty_name	STRING		NOT NULL	Institution or individual name
counterparty_type	STRING		NOT NULL	Retail Bank / Corporate / Individual / Government / NBFI
bank_code	STRING(6)		NULLABLE	SARB universal branch code
country	STRING		NOT NULL	Country of institution (ZA for domestic)
aml_risk_rating	STRING		NOT NULL	PCB AML risk: Low / Medium / High / Blocked

DIM_CURRENCY

GOLDStatic · ISO 4217 currencies8 rows

Column	Type	Key	Nullable	Description
currency_id	STRING	PK	NOT NULL	CUR001–CUR008
currency_code	STRING(3)		NOT NULL	ISO 4217 code (ZAR, USD, EUR, GBP, CNY, BWP, ZMW, MZN)
currency_name	STRING		NOT NULL	Full currency name
symbol	STRING		NOT NULL	Currency symbol (R, $, €, £, ¥, P, ZK, MT)
is_base_currency	BOOLEAN		NOT NULL	TRUE = ZAR (base reporting currency)
country	STRING		NOT NULL	Issuing country

FACT_TRANSACTION

GOLDTransaction-level · Core banking ledger12M+ rows

Column	Type	Key	Nullable	Description
transaction_id	STRING	PK	NOT NULL	Surrogate key: TXN-XXXXXXXX
account_id	STRING	FK	NOT NULL	References DIM_ACCOUNT
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER (denormalised for query performance)
transaction_date	DATE		NOT NULL	Transaction date (partition key)
transaction_datetime	TIMESTAMP		NOT NULL	Full timestamp with time zone
transaction_type	STRING		NOT NULL	Credit / Debit / Transfer / Fee / Interest / Reversal
channel	STRING		NOT NULL	Branch / ATM / Online / Mobile / USSD / POS
amount_zar	DECIMAL(15,2)		NOT NULL	Transaction amount in ZAR (always positive; sign determined by debit_credit_flag)
debit_credit_flag	STRING(1)		NOT NULL	D = Debit, C = Credit
merchant_id	STRING	FK	NULLABLE	References DIM_MERCHANT (null for non-merchant transactions)
merchant_name	STRING		NULLABLE	Merchant name (denormalised from POS terminal data)
merchant_category	STRING		NULLABLE	MCC category description
balance_after_zar	DECIMAL(18,2)		NOT NULL	Account balance immediately after transaction
reference	STRING		NULLABLE	Customer reference or payment narrative
is_flagged	BOOLEAN		NOT NULL	TRUE if transaction generated a fraud alert

FACT_LOAN

GOLDLoan-level · Credit portfolio snapshot~280,000 rows

Column	Type	Key	Nullable	Description
loan_id	STRING	PK	NOT NULL	Surrogate key: LN-XXXXXXXX
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER
account_id	STRING	FK	NOT NULL	References DIM_ACCOUNT (linked lending account)
loan_type	STRING		NOT NULL	Home Loan / Personal Loan / Vehicle Finance / Revolving Credit / Business Loan
approved_amount_zar	DECIMAL(15,2)		NOT NULL	Original approved loan amount
outstanding_balance_zar	DECIMAL(15,2)		NOT NULL	Current outstanding balance
interest_rate_pct	DECIMAL(5,4)		NOT NULL	Annual interest rate (Prime ± spread)
loan_term_months	INTEGER		NOT NULL	Loan term in months
months_in_arrears	INTEGER		NOT NULL	Number of months payment is overdue (0 = current)
loan_status	STRING		NOT NULL	Current / Non-Performing / Default / Restructured / Closed / Written Off
provision_zar	DECIMAL(15,2)		NOT NULL	IFRS 9 expected credit loss provision
risk_weight_pct	DECIMAL(5,2)		NOT NULL	Basel III risk weight applied (35% home loan, 75% retail, 100% corporate)
origination_date	DATE		NOT NULL	Date loan was disbursed
maturity_date	DATE		NOT NULL	Scheduled loan end date
pd_score	DECIMAL(5,4)		NULLABLE	Probability of Default from credit scoring ML model (0–1)
lgd_pct	DECIMAL(5,4)		NULLABLE	Loss Given Default estimate

FACT_CARD_TRANSACTION

GOLDCard-level · POS and online card transactions~3.2M rows

Column	Type	Key	Nullable	Description
card_tx_id	STRING	PK	NOT NULL	Surrogate key: CTX-XXXXXXXX
merchant_id	STRING	FK	NOT NULL	References DIM_MERCHANT
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER
tx_date	DATE	FK	NOT NULL	References DIM_DATE (partition key)
card_type	STRING		NOT NULL	Visa Debit / Visa Credit / Mastercard Debit / Mastercard Credit
entry_mode	STRING		NOT NULL	Chip / Tap / Swipe / Online / Manual Key Entry
amount_zar	DECIMAL(12,2)		NOT NULL	Transaction amount in ZAR
authorization_code	STRING(6)		NULLABLE	Issuer authorization code
response_code	STRING(2)		NOT NULL	00=Approved, 05=Declined, 51=Insufficient Funds, 57=Not Permitted
is_international	BOOLEAN		NOT NULL	TRUE if merchant country ≠ ZA
is_contactless	BOOLEAN		NOT NULL	TRUE if NFC/tap payment
fraud_flag	BOOLEAN		NOT NULL	TRUE if transaction linked to confirmed fraud

FACT_PAYMENT

GOLDPayment-level · EFT, SWIFT, PayShap transfers~1.8M rows

Column	Type	Key	Nullable	Description
payment_id	STRING	PK	NOT NULL	Surrogate key: PAY-XXXXXXXX
account_id	STRING	FK	NOT NULL	References DIM_ACCOUNT (originating account)
counterparty_id	STRING	FK	NOT NULL	References DIM_COUNTERPARTY
currency_id	STRING	FK	NOT NULL	References DIM_CURRENCY
payment_type	STRING		NOT NULL	EFT / SWIFT / PayShap / RTC / Debit Order / SARB RTGS
amount_original	DECIMAL(18,2)		NOT NULL	Amount in originating currency
amount_zar	DECIMAL(18,2)		NOT NULL	ZAR equivalent (using exchange rate at payment datetime)
zar_rate	DECIMAL(12,6)		NOT NULL	Exchange rate applied (ZAR per foreign currency unit)
payment_status	STRING		NOT NULL	Processed / Pending / Returned / Recalled / Rejected
value_date	DATE		NOT NULL	Date funds become available to beneficiary
aml_screened	BOOLEAN		NOT NULL	TRUE = payment passed AML screening
aml_risk_score	DECIMAL(4,3)		NULLABLE	AML model risk score 0–1

FACT_AML_CASE

GOLDCase-level · FIC Act suspicious activity reports~8,200 rows

Column	Type	Key	Nullable	Description
case_id	STRING	PK	NOT NULL	Surrogate key: AML-XXXXXXXX
customer_id	STRING	FK	NOT NULL	References DIM_CUSTOMER
case_type	STRING		NOT NULL	STR / CTR / SAR / Enhanced Due Diligence / PEP Screening
trigger_rule	STRING		NOT NULL	Rule or ML model that triggered the case
risk_score	DECIMAL(4,3)		NOT NULL	AML model risk score 0–1
total_exposure_zar	DECIMAL(18,2)		NULLABLE	Cumulative suspicious transaction value
fic_report_filed	BOOLEAN		NOT NULL	TRUE = SAR/STR filed with Financial Intelligence Centre
case_status	STRING		NOT NULL	Open / Investigating / Escalated / Closed — Suspicious / Closed — Cleared
opened_date	DATE		NOT NULL	Date case was opened (partition key)
closed_date	DATE		NULLABLE	Date case was resolved