Get decision by jobId

get https://{API_PREFIX}.open-finance.ai/v2/decision-extended/{jobId}

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Responses

Response body

object

decision

object

orgId

string

Organization identifier

customerId

string

Customer identifier

userId

string

User identifier

isCardConnect

number

Indicates if a card is connected (1 = yes, 0 = no)

cardCreditLimit

array of objects

Credit limit details for cards

cardCreditLimit

object

accountNumber

string

Credit card account number

creditLimitCard

number

Credit limit for the card

creditExceeded

array of objects

Details of credit usage exceeding limits

creditExceeded

object

providerId

string

Provider ID (e.g., bank or credit card identifier)

accountNumber

string

Account or credit card number

adjustedYearMonth

string

Year and month of the credit usage

percentageOfUse

number

Percentage of the credit limit used

percentageOfUseFlag

number

1 = If the credit utilization percentage is greater than 75%, 0 = If the credit utilization percentage is less than 75%

savings

array of objects

Savings account information

savings

object

currency

string

currency

amount

number

amount

savingsTransactions

array of objects

Savings account transactions

savingsTransactions

object

chargedAmount

number

amount

chargedCurrency

string

currency

description

string

transaction description

countAkamHok

number

Number of 'Akam Hok' transactions

countForAkamHokLast3Month

number

Number of 'Akam Hok' transactions in the last 3 months

countForAkamHokLast6Month

number

Number of 'Akam Hok' transactions in the last 6 months

countForAkamHokLast12Month

number

Number of 'Akam Hok' transactions in the last 12 months

countForAkamHokRolling30

number

Number of Returned authorizations due to insufficient funds within a rolling 30-day period

sumForAkamHokRolling30

number

Sum of Returned authorizations due to insufficient funds within a rolling 30-day period

countAkamChq

number

Number of 'Akam' cheques

countForAkamChqRolling30

number

Number of returned checks due to insufficient funds within a rolling 30-day period.

sumForAkamChqRolling30

number

Sum of returned checks due to insufficient funds within a rolling 30-day period.

countForAkamChqLastMonth

number

Number of 'Akam' cheques in the last month

countForAkamChqLast3Month

number

Number of 'Akam' cheques in the last 3 months

countForAkamChqLast6Month

number

Number of 'Akam' cheques in the last 6 months

countForAkamChqLast12Month

number

Number of 'Akam' cheques in the last 12 months

daysSinceLastAkamChq

number

Number of days since the last returned checks due to insufficient funds

countPigur

number

Number of 'Pigur' transactions

countForPigurRolling30

number

Number of delinquencies identified for the customer within a rolling 30-day period.

sumForPigurRolling30

number

sum of delinquencies identified for the customer within a rolling 30-day period.

countForPigurLast3Month

number

Number of 'Pigur' transactions in the last 3 months

countForPigurLast6Month

number

Number of 'Pigur' transactions in the last 6 months

countForPigurLast12Month

number

Number of 'Pigur' transactions in the last 12 months

daysSinceLastPigur

number

Number of days since the last 'Pigur' event

countLimit

number

Number of times the account was flagged for reaching credit limit

countForLimitRolling30

number

Days exceeding credit limit within a rolling 30-day period.

countForLimitLastMonth

number

Days exceeding credit limit last month

countForLimitLast3Month

number

Days exceeding credit limit last 3 months

countForLimitLast6Month

number

Days exceeding credit limit last 6 months

countForLimitLast12Month

number

Days exceeding credit limit last 12 months

countExceededAlert

number

Number of times the credit was exceeded

countForExceededAlertRolling30

number

count of Exceeded Alerts within a rolling 30-day period.

countForExceededAlertLastMonth

number

count of Exceeded Alerts last month

countForExceededAlertLast3Month

number

count of Exceeded Alerts last 3 months

countForExceededAlertLast6Month

number

count of Exceeded Alerts last 6 months

countForExceededAlertLast12Month

number

count of Exceeded Alerts last 12 months

lastDayOfExceededAlert

string

Last date the account exceeded its credit limit (DD/MM/YYYY)

daysSinceLastExceededAlert

number

Number of days since the last credit exceeded alert

countCancelledHok

number

Number of cancelled 'Hok' transactions

countForCancelledHokRolling30

number

Number of cancelled returned authorizations within a rolling 30-day period.

sumForCancelledHokRolling30

number

sum of cancelled returned authorizations within a rolling 30-day period.

countCancelledHokLastMonth

number

Number of cancelled returned authorizations last month

countCancelledHokLast3Month

number

Number of cancelled returned authorizations last 3 months

countCancelledHokLast6Month

number

Number of cancelled returned authorizations last 6 months

countCancelledHokLast12Month

number

Number of cancelled returned authorizations last 12 months

countCancelledChq

number

Number of cancelled checks

countForCancelledChqRolling30

number

Number of cancelled checks within a rolling 30-day period.

sumForCancelledChqRolling30

number

sum of cancelled checks within a rolling 30-day period.

countForCancelledChqLastMonth

number

Number of cancelled checks last mont

countForCancellChqLast3Month

number

Number of cancelled checks last 3 monts

countForCancellChqLast6Month

number

Number of cancelled checks last 6 monts

countForCancellChqLast12Month

number

Number of cancelled checks last 12 monts

daysSinceLastCancellChq

number

Number of days since the last cancelled returned checks

mortgageLastPay

number

Amount of the last mortgage payment

avgMortgagePayment

number

Average mortgage payment amount

checkingCreditLimit

array of objects

Credit limit usage details for checking accounts

checkingCreditLimit

object

adjustedAccountNumber

string

Checking account number

adjustedCreditLimit

number

Credit limit assigned to the checking account

almostExceededCredit

number

Indicates if credit usage is near the limit

creditLineUsageLast3Month

number

Credit line usage over the last 3 months

creditLineUsageLast6Month

number

Credit line usage over the last 6 months

creditLineUsageLast12Month

number

Credit line usage over the last 12 months

closingBalanceLastMonth

number

Closing balance of the previous month

openBalance3MonthAgo

number

Account balance from 3 months ago

indication

array of objects

List of relevant indications or indicators

indication

object

description

string

Indicator description

loanBalance

number

Outstanding balance for loans

existMortgage

number

Indicates if there is an existing mortgage (1 = yes, 0 = no)

reportedPeriodInMths

number

Number of months reported overall

reportedPeriodInMthsLast3

number

Number of months reported for the most recent 3-month period

incomeExpensesSources

array of objects

Breakdown of income and expenses by category/source

incomeExpensesSources

object

classificationSource

string

Category or classification of the source

sumIncome

number

Sum of income for this source

sumExpenses

number

Sum of expenses for this source

incomeExpenseSourceByPeriod

array of objects

Income and expenses categorized by period and source

incomeExpenseSourceByPeriod

object

classificationSource

string

Category or classification of the source

sumRegularIncomeLastMonth

number

Sum of regular income in the last month

avgRegularIncomeLast3Month

number

Average regular income over the last 3 months

avgRegularIncomeLast6Month

number

Average regular income over the last 6 months

avgRegularIncomeLast12Month

number

Average regular income over the last 12 months

sumExpensesLastMonth

number

Sum of expenses in the last month

avgExpensesLast3Month

number

Average expenses over the last 3 months

avgExpensesLast6Month

number

Average expenses over the last 6 months

avgExpensesLast12Month

number

Average expenses over the last 12 months

availableIncomeLastMonth

number

availabe regular income last month

avgAvailableIncomeLast3Month

number

average availabe regular income last 3 months

avgAvailableIncomeLast6Month

number

average availabe regular income last 6 months

avgAvailableIncomeLast12Month

number

average availabe regular income last 12 months

sumRegularIncomeLastMonth

number

sum of regular income last month

avgRegularIncomeLast3Month

number

average regular income last 3 months

avgRegularIncomeLast6Month

number

average regular income last 6 months

avgRegularIncomeLast12Month

number

average regular income last 12 months

regularExpensesLastMonth

number

regular expenses last month

avgRegularExpensesLast3Month

number

average regular expenses last 3 months

avgRegularExpensesLast6Month

number

average regular expenses last 6 months

avgRegularExpensesLast12Month

number

average regular expenses last 12 months

variableIncomeLastMonth

number

variable Income Last Month

avgVariableIncomeLast3Month

number

average Variable Income Last 3 Months

avgVariableIncomeLast6Month

number

average Variable Income Last 6 Months

avgVariableIncomeLast12Month

number

average Variable Income Last 12 Months

numOfLoansCredit

number

Number of non-bank loans

sumOfLoanCredit

number

Total remaining amount of non-bank loans to be paid.

numOfLoanBankRolling30

number

Number of bank loans taken in the rolling 30-day period.

sumOfLoanBankRolling30

number

sum of bank loans taken in the rolling 30-day period.

loanDetailsPerBankPreviousMonth

array of objects

loan Details array Per Bank Previous Month

loanDetailsPerBankPreviousMonth

object

providerId

string

bank

sumOfLoanPerProvider

number

sum of bank loans taken per bank

countOfLoan

number

number of bank loans taken per bank

loanDetailsPerBankRolling30

array of objects

loan Details array Per Bank rolling 30-day period.

loanDetailsPerBankRolling30

object

providerId

string

bank

sumOfLoanPerProvider

number

sum of bank loans taken per bank

countOfLoan

number

number of bank loans taken per bank

totalSettlementsLastMonth

number

total Settlements Last Month

totalNonSettlementsLastMonth

number

Loan repayments in the last month.

avgSettlementsLast3Month

number

Average settled loan payments in the last 3 months

avgNonSettlementsLast3Month

number

Average Loan repayments in the last 3 months

avgSettlementsLast6Month

number

Average Settlements in the last 6 months

avgNonSettlementsLast6Month

number

Average Loan repayments in the last 6 months

avgSettlementsLast12Month

number

Average Settlements in the last 12 months

avgNonSettlementsLast12Month

number

Average Loan repayments in the last 12 months

incomeChq

number

Total income from cheques

avgIncome

number

Overall average income

sumIncomesRcntMth

number

sum Incomes last month

avgCashIncome

number

average cash income

sumCashIncomesRcntMth

number

Total cash income in the most recent month

avgCashIncomesRcnt3Mth

number

Average cash income in the most recent 3 months

avgCashIncomesRcnt6Mth

number

average Cash Incomes last 6 months

avgCashIncomesRcnt12Mth

number

average Cash Incomes last 12 months

avgMinistryOfConstructionIncome

number

Average income from the Ministry of Construction

avgMinistryOfConstructionIncomeRecent3Mth

number

Average Ministry of Construction income in the most recent 3 months

avgNationalInsurance

number

Average income from National Insurance

avgNationalInsuranceRecent3Mth

number

Average National Insurance income in the most recent 3 months

avgSalary

number

average salary

avgSalaryRecent3Mth

number

average salary last 3 months

avgRegularIncome

number

average regular income

avgIncomeRecent3Mth

number

average total income in the most recent 3 months

avgIncomeRecent6Mth

number

average total income in the most recent 6 months

avgIncomeRecent12Mth

number

average total income in the most recent 12 months

avgVariableIncome

number

average variable income

incomeChqLast3Months

number

Total income from cheques in the last 3 months

sumExpensesRcntMth

number

Total expenses in the most recent month

avgExpensesMth

number

average expense last month

sumExpensesLast12Mth

number

sum expenses last 12 months

sumExpensesLast6Mth

number

sum expenses last 6 months

sumExpensesLast3Mth

number

sum expenses last 3 months

isPrimaryAccount

object

primary accounts validation array

securitiesTotalValue

number

Estimated value of securities

totalLoanPaymentsLast3Month

number

Total loan payments in the last 3 months

lastDayOfLimit

string

Last date the account reached or triggered a credit limit event (DD/MM/YYYY)

daysSinceLastLimit

number

Number of days since the last credit limit event

decision

string

Final decision based on financial data

Go NoGo

status

string

The status of the report

DONE RUNNING

Language

Credentials

OAuth2

URL


xxxxxxxxxx
1
curl --request GET \
2
     --url https://api.open-finance.ai/v2/decision-extended/jobId \
3
     --header 'accept: application/json'

Click Try It! to start a request and see the response here! Or choose an example:

application/json

200The response for getting a report

400Error getting deciosion report

500Internal server error