Decision Object

The decision object inside application.decision contains all scoring output.

Field	Type	Required	Description
score	number	Yes	Overall credit score (350–850). Higher is better.
decision	string	Yes	APPROVED \| REJECTED \| MANUAL_REVIEW \| COUNTER_OFFER
score_band	string	Yes	VERY_LOW_RISK \| LOW_RISK \| MEDIUM_RISK \| HIGH_RISK \| VERY_HIGH_RISK
approval_details	object \| null	No	Present when APPROVED. Contains approved_amount, approved_tenor, approved_interest, monthly_payment.
counter_offer	object \| null	No	Present when COUNTER_OFFER. Contains suggested lower amount or shorter tenor.
risk_factors	array	No	List of risk factors that influenced the decision. Each item has factor, severity, and detail.
score_breakdown	object	Yes	Individual scores for: cash_flow_health, income_stability, debt_service_capacity, account_behavior, credit_history.
explainability	object	Yes	Human-readable explanation with primary_reason, key_strengths[], key_weaknesses[].
eligible_tenors	number[]	No	Tenors (in months) for which the applicant qualifies.
manual_review_reasons	string[]	No	Reasons triggering a manual review, if applicable.
regulatory_compliance	object	Yes	Compliance flags: thin_file, identity_verified, credit_bureau_checked, affordability_assessed.

Risk Factors

Each item in risk_factors has this shape:

json

{
  "factor":   "IDENTITY_NAME_MISMATCH",
  "severity": "HIGH",
  "detail":   "Submitted name 'John Doe' does not match account holder 'OJO DANIEL'"
}

Field	Type	Required	Description
severity	string	Yes	HIGH — may trigger immediate rejection. MEDIUM / LOW — reduces score without hard knockout.
factor	string	Yes	Machine-readable code for the risk type (e.g. IDENTITY_NAME_MISMATCH, LOW_AVERAGE_BALANCE, IRREGULAR_INCOME).
detail	string	Yes	Human-readable explanation suitable for logging or internal use.