[Data] Transfer failure should be considered in the benchmark, which is applied in malicious activity monitoring

[qishipengqsp]

From @tian-zhong

[tian-zhong]

The current schema only record approved loans and successful money-transfer transactions. Other financial firms seem to suggest only a fraction of loans get approved, and loan rejections are recorded as important financial trace to support future loan decisions. https://community.fico.com/s/explainable-machine-learning-challenge