Last updated: 2026-03-23
Source: Credit Alignment session (23 Mar 2026)
Volumes: Estimated monthly averages from production data
| Source |
Shortcode |
Channel |
Est. Monthly |
| SMS Replies (optout/ID) |
- |
Gateway |
~200 |
| GrapeVine |
30000-90000 |
Gateway |
~400 |
| HC Direct Web |
99991-99998 & 100007 |
Gateway |
~15,000 |
| InfoBip |
1000009 |
HCSCORE_WA |
~1,500 |
| Facebook |
99993 |
HCSCORE_WA |
~30 |
| Credico |
100003/1000003 |
HCSCORE_CR |
~8,600 |
| Kwikbuy |
1000005 |
HCSCORE_CR |
~1,300 |
| Tradedesk (Showroom) |
800000 |
HCSCORE_CR |
~120 |
| HomeChoice (AO) |
- |
HCSCORE_AO |
~25,300 |
| Input |
Feeds Into |
Sources |
| SMS Reply |
TC Gateway System |
SMS Replies |
| HomeChoice Grapevine API |
TC Gateway System |
GrapeVine, HC Direct Web |
| HomeChoice Direct Web |
TC Leads System |
HC Direct Web |
| HCSCORE_WA |
AO System |
InfoBip, Facebook |
| HCSCORE_CR |
AO System |
Credico, Kwikbuy, Tradedesk |
| HCSCORE_AO |
AO System |
HomeChoice |
| System |
Role |
| TC Gateway System |
Receives SMS replies and Grapevine API, routes to leads |
| TC Leads System |
Processes leads from Grapevine, Direct Web, Gateway |
| AO System |
Credit scoring - receives HCSCORE_WA, HCSCORE_CR, HCSCORE_AO |
| Output |
From System |
To |
Description |
| Scored leads |
TC Leads System |
HomeChoice Leads |
Leads sent to HC after consulting AO for score |
| InfoBip Message (99993) |
TC Leads |
Applicant |
WhatsApp/InfoBip response |
| SMSPortal Message |
TC Leads |
Applicant |
SMS notification to applicant |
| Reply to HCScore_WA |
AO System via Gateway |
HC |
WhatsApp scoring response |
| Reply to HCScore_CR |
AO System via Gateway |
HC |
Credico scoring response |
| Reply to HCScore_AO |
AO System via Gateway |
HC |
AO scoring response |
| Channel |
Webhook |
Est. Monthly |
| HomeChoice AO |
HCSCORE_AO |
~25,300 |
| Credico |
HCSCORE_CR |
~8,600 |
| Kwikbuy |
HCSCORE_CR |
~1,300 |
| Tradedesk/Showroom |
HCSCORE_CR |
~120 |
| InfoBip (WhatsApp) |
HCSCORE_WA |
~1,500 |
| Facebook |
HCSCORE_WA |
~30 |
| HC Direct Web |
Gateway |
~15,000 |
| GrapeVine |
Gateway |
~400 |
| SMS Replies |
Gateway |
~200 |
| Total |
|
~52,500 |
| Webhook |
Est. Monthly |
% |
| HCSCORE_AO |
~25,300 |
48% |
| HCSCORE_CR |
~10,000 |
19% |
| HCSCORE_WA |
~1,500 |
3% |
| Gateway/Leads |
~15,600 |
30% |
Note: AO and Gateway/Leads volumes overlap — some leads that enter via Gateway are subsequently scored through HCSCORE_AO. Total is not purely additive.
| SmsLocation |
LeadSource |
| NULL / empty |
Test |
| 30000 - 90000 |
TV |
| 99991 |
Gotbot |
| 99992 |
Digital_Catalogue |
| 99993 |
Facebook |
| 99994 |
Internet |
| 99995 / 1000007 |
OCC |
| 99996 |
USSD |
| 99997 |
Abandoned Basket |
| 99998 |
WhatsApp |
| 80000 / 800000 / 8000000 |
Tradedesk |
| 1000001 |
HC_Big_Leads |
| 1000002 / 1000004 |
Internet |
| 1000003 / 100003 |
Credico |
| 1000005 |
Kwikbuy |
| 1000006 |
TV_Ads |
| 1000009 |
InfoBip_WhatsApp |
| (anything else) |
Error |
Attendees: Tasneem, Francois, Michael, Sajeeda, Inga
Cc: Denis, Gerrit, Imaad, Malcolm
Purpose: Map out how TechnoCore and HomeChoice systems are intertwined
HomeChoice Side TechnoCore Side
============== ================
HC Origination System
|
+-- Tradedesk App (Showroom) ------> HCSCORE_CR (shortcode 800000)
| |
+-- Credico Sales Agents ----------> HCSCORE_CR (shortcode 100003/1000003)
| |
+-- Kwikbuy ------------------------> HCSCORE_CR (shortcode 1000005)
| |
+-- WhatsApp / InfoBip -------------> HCSCORE_WA (shortcode 1000009)
| |
+-- Facebook -----------------------> HCSCORE_WA (shortcode 99993)
| |
+-- AO Website ---------------------> HCSCORE_AO (IDNumber + CellNo)
| |
v v
HC Omega System <------- Responses ---- TechnoCore AO System
| |
| - Score +-- Experian Bureau Call
| - Strikethrough +-- SAFPS Fraud Check (coming)
| - CST_Fraud +-- Scorecard Selection
| - MaxTerm +-- Score Calculation
| - CL_Segment +-- ShowroomRiskIndicator
| - ShowroomRiskIndicator +-- Credit Limit
| - Bureau |
| v
v TechnoCore Leads System
HC Strategy Engine |
| +-- Grapevine API (via Gateway -> Leads)
+-- NTF Credit Limits +-- HC Direct Web leads
+-- Showroom Risk rules +-- SMS replies / optouts
+-- Bureau routing +-- Lead origin resolution
| +-- Consults AO for score
| +-- Sends scored leads -> HC Leads
v |
HC Back Office v
| TechnoCore Gateway
+-- Omega (PersBureauTechnocore) |
+-- Collections (MSSQL) +-- SMSPortal (notifications)
+-- Reporting (Inga) +-- InfoBip (WhatsApp msgs)
| +-- All AO responses route through here
v
HC Leads System <--- Scored leads --- TC Leads System
- Scoring API - HC sends applications via 3 channels (AO/CR/WA), TC returns scores + fraud flags + new strategy fields
- Lead Origin - TC resolves where the lead came from using shortcode -> data_external_leads matching (AO channel only, 14-day window)
- Bureau Calls - TC calls Experian on behalf of HC, results stored in bloom_donormalenquiry
- Gateway Callback - CR and WA channels POST results back to hcawsgateway for HC origination
- Data Exchange - Denis provides data dumps for HC reporting; HC provides lead data for matching
- Collections - MSSQL data transfer to MariaDB for dialler integration (Christiaan/Morne)
- Strategy Fields - New fields (ShowroomRiskIndicator, CL_Segment, MaxTerm) flow from TC scoring into HC Omega for strategy decisions
- HC Omega reads
PersBureauTechnocore output which contains TC scoring results
- HC strategy engine depends on ShowroomRiskIndicator for NTF Credit Limit rules (1 Apr deadline)
- Shortcode in HC request determines Department mapping and lead routing on TC side
- TC needs correct GUIDs from HC/Pakati for ATB call reconciliation
- Map the full data flow between Omega and TC for Inga's analysis needs
- Clarify GUID mapping for AO applications (Inga/Denis chat)
- Ensure Showroom Risk Classification is wired by 26 Mar for NTF CL go-live
- AO is the largest single channel (13,590) but HC Direct Web sources are collectively larger (15,733)
- Tradedesk/Showroom (3,605) is significant - this is the channel affected by the shortcode 800000 fix
- Three separate systems: Gateway (SMS), Leads (web/API sources), AO (credit scoring)
- Leads system feeds into AO via the PostSql lead origin resolution
- CR and WA channels both POST back to hcawsgateway after scoring; AO does not