[add]: account_id to loan_status and repayment

.env.local.example

@@ -1,35 +0,0 @@
-# Environment Variables
-BASIC_AUTH_USERNAME=user
-BASIC_AUTH_PASSWORD=password
-
-#swagger Configuration
-SWAGGER_URL="/documentation"
-API_URL="/swagger.json"
-
-# Database Configuration
-DATABASE_USER=firstadvance
-DATABASE_PASSWORD=FirstAdvance!
-DATABASE_HOST=dev-data.simbrellang.net
-DATABASE_PORT=10532
-DATABASE_NAME=firstadvancedev
-
-# DATABASE_HOST=10.20.30.60
-# DATABASE_USER=firstadvance
-# DATABASE_PASSWORD=firstadvance
-# DATABASE_NAME=firstadvancedev
-# DATABASE_PORT=5432
-
-# Flask Configuration
-FLASK_APP=wsgi.py
-FLASK_ENV=development
-APP_PORT=4500
-
-
-# Bank Call Service Connection
-SIMBRELLA_BASE_URL="https://bank-emulator.dev.simbrellang.net"
-VALID_APP_ID=app1
-VALID_API_KEY=test-api-key-12345
-
-
-# Event Bus Broker Configuration
-KAFKA_BROKER="10.0.0.246:9092"

JUNK/send_report.py

@@ -1,15 +0,0 @@
-from flask import Flask
-from app.extensions import mail
-from app.utils.mail import send_report_email, get_report_data
-from app.config import settings
-
-app = Flask(__name__)
-app.config.from_object(settings)
-
-mail.init_app(app)
-
-with app.app_context():
-    report_data = get_report_data()
-    recipients = ["vdagbue@gmail.com"]
-    result = send_report_email(report_data, recipients)
-    print(result)

app/__init__.py

@@ -1,5 +1,4 @@
 from flask import Flask
-from flask_mail import Mail
 import os
 from flask_swagger_ui import get_swaggerui_blueprint
 from flask_cors import CORS
@@ -8,7 +7,7 @@ from app.api.routes import api
 from app.errors import register_error_handlers
 from flask_sqlalchemy import SQLAlchemy
 from flask_migrate import Migrate
-from app.extensions import db, migrate, mail
+from app.extensions import db, migrate
 from flask_jwt_extended import (
     JWTManager,
     jwt_required,
@@ -19,10 +18,6 @@ from flask_jwt_extended import (
 
 def create_app():
     """Factory function to create a Flask app instance"""
-    # import oracledb
-    
-    # oracledb.init_oracle_client(lib_dir=None) 
-
     app = Flask(__name__)
 
     # Load configuration
@@ -48,9 +43,6 @@ def create_app():
 
     from . import models
 
-    # Initialize Flask-Mail
-    mail.init_app(app)
-
     # Database and Migrations
     db.init_app(app)
 

app/api/enums/loan_status.py

@@ -3,6 +3,4 @@ from enum import Enum
 class LoanStatus(str, Enum):
     PENDING = "pending"
     ACTIVE = "active"
-    ACTIVE_PARTIAL = "active_partial"
-    START_REPAY = "start_repay"
     REPAID = "repaid"

app/api/helpers/response_helper.py

@@ -1,112 +1,251 @@
 from flask import jsonify
-from typing import Optional, Union, Dict, List, Any
+from typing import List, Dict, Union, Optional, Any
 
 
 class ResponseHelper:
     """
-    A helper class for building standardized JSON responses using resultCode and resultDescription.
+    A helper class for building standardized JSON responses in Flask.
     """
 
     @staticmethod
     def build_response(
-        result_code: str,
-        result_description: str,
-        data: Optional[Union[Dict, List, str]] = None
+        status: bool,
+        message: str,
+        data: Optional[Union[Dict, List, str]] = None,
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
+        """
+        Build a standardized JSON response.
+
+        Args:
+            status (bool): Indicates whether the request was successful.
+            message (str): A message describing the result of the request.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
         response = {
-            "resultCode": result_code,
-            "resultDescription": result_description
+            "status": status,
+            "statusCode": status_code,
+            "message": message,
+            "data": data if data is not None else {},
+            "error": error if error is not None else {},
         }
-
-        if isinstance(data, dict):
-            response.update(data)
-
-        return jsonify(response)
+        return jsonify(response), status_code
 
     @staticmethod
     def success(
-        result_description: str = "Successful",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Successful",
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a success response.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, status_code, error)
 
     @staticmethod
     def error(
-        result_description: str = "An error occurred",
-        result_code: str = "01",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "An error occurred",
+        status_code: int = 400,
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return an error response.
+
+        Args:
+            message (str): A message describing the error.
+            status_code (int): The HTTP status code for the response.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, status_code, error)
 
     @staticmethod
     def created(
-        result_description: str = "Resource created successfully",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource created successfully",
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a created resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 201, error)
 
     @staticmethod
     def updated(
-        result_description: str = "Resource updated successfully",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource updated successfully",
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an updated resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 200, error)
 
     @staticmethod
     def internal_server_error(
-        result_description: str = "Internal Server Error",
-        result_code: str = "500",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Internal Server Error",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an internal server error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 500, error)
 
     @staticmethod
     def unauthorized(
-        result_description: str = "Unauthorized",
-        result_code: str = "401",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Unauthorized",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an unauthorized request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 401, error)
 
     @staticmethod
     def forbidden(
-        result_description: str = "Forbidden",
-        result_code: str = "403",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Forbidden",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a forbidden request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 403, error)
 
     @staticmethod
     def not_found(
-        result_description: str = "Resource not found",
-        result_code: str = "404",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Resource not found",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a not found resource.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 404, error)
 
     @staticmethod
     def unprocessable_entity(
-        result_description: str = "Unprocessable entity",
-        result_code: str = "422",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Unprocessable entity",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an unprocessable entity.
 
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 422, error)
+    
     @staticmethod
     def method_not_allowed(
-        result_description: str = "Method Not Allowed",
-        result_code: str = "405",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Method Not Allowed",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a method not allowed error.
 
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 405, error)
+    
     @staticmethod
     def bad_request(
-        result_description: str = "Bad Request",
-        result_code: str = "400",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Bad Request",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a bad request error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 400, error)

app/api/integrations/simbrella.py

@@ -1,45 +1,55 @@
-import httpx
+import requests
 import json
+from requests.auth import HTTPBasicAuth
 from app.utils.logger import logger
 from app.config import settings
-import logging
-
 
 class SimbrellaIntegration:
     BASE_URL = settings.SIMBRELLA_BASE_URL
-    ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
 
     @staticmethod
     def rac_check(customer_id, account_id, transaction_id):
         """
         Calls the RACCheck endpoit
         """
-        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.ENDPOINT_RAC_CHECKS}"
-        logger.info(f"Contacting Rack Checks EndPoint: {str(url)}", exc_info=True)
-
+        url = f"{SimbrellaIntegration.BASE_URL}/RACCheck"
+        
         payload = {
             "customerId": customer_id,
             "accountId": account_id,
-            "transactionId": str(transaction_id),
-            "fbnTransactionId": str(transaction_id),
-            "countryCode": "NG",
-            "channel": "USSD"
+            "transactionId": transaction_id,
+            "RAC_Array": [
+                {
+                "salaryAccount": True,
+                "bvn": "12345678901",
+                "crc": False,
+                "crms": True,
+                "accountStatus": "active",
+                "lien": False,
+                "noBouncedCheck": True,
+                "existingLoan": False,
+                "whitelist": True,
+                "noPastDueSalaryLoan": True,
+                "noPastDueOtherLoans": False
+                }
+            ]
         }
 
+        logger.error(f"This is PayLoad: {str(payload)}",exc_info=True)
         headers = {
-            "Content-Type": "application/json",
-            "x-api-key": f"{settings.VALID_API_KEY}",
-            "App-Id": f"{settings.VALID_APP_ID}",
+            'Content-Type': 'application/json',
+            'x-api-key': f'{settings.VALID_API_KEY}',
+            'App-Id': f'{settings.VALID_APP_ID}'
         }
 
         try:
-            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response = requests.post(url, json=payload, timeout=10, headers=headers)
+            logger.error(f"This is Response: {str(response)}", exc_info=True)
+            # Raise an error for non-200 responses
+            if response.status_code != 200:
+                response.raise_for_status()
 
-            logger.info(f"This is Response: {str(response)}", exc_info=True)
-
-            return response
-           
-        except Exception as e:
-            logger.error(f"RACCheck API call failed: {str(e)}", exc_info=True)
-            raise Exception(f"RACCheck API call failed: {str(e)}")
-  
+            return response.json()
+        except requests.exceptions.RequestException as err:
+            logger.error(f"RACCheck API call failed: {str(err)}", exc_info=True)
+            return {"error": "RACCheck API error"}

app/api/routes/routes.py

@@ -88,7 +88,6 @@ def loan_status():
 @jwt_required()
 def repayment():
     data = request.get_json()
-    logger.error(f"HERE 0000a **** ")
     # logger.info(f"Repayment request received: {data}")
     response = RepaymentService.process_request(data)
     return response

app/api/schemas/loan_status.py

@@ -3,7 +3,6 @@ from marshmallow import Schema, fields
 # Loan Information Schema
 class LoanStatusSchema(Schema):
     transactionId = fields.Str(required=True)
-    accountId = fields.Str(required=True)
     customerId = fields.Str(required=True)
     msisdn = fields.Str(required=False)
     channel = fields.Str(required=True)

app/api/schemas/provide_loan.py

@@ -12,5 +12,5 @@ class ProvideLoanSchema(Schema):
     # lienAmount = fields.Float(required=True)
     requestedAmount = fields.Float(required=True)
     collectionType = fields.Int(required=True)
-    offerId = fields.Str(required=True)
+    offerId = fields.Int(required=True)
     channel = fields.Str(required=True)

app/api/schemas/repayment.py

@@ -5,8 +5,7 @@ class RepaymentSchema(Schema):
     type = fields.Str(required=False)
     msisdn = fields.Str(required=False) #optional
     debtId = fields.Str(required=True)
+    productId = fields.Str(required=True)
     transactionId = fields.Str(required=True)
-    accountId = fields.Str(required=True)
     customerId = fields.Str(required=True)
-    loanRef = fields.Str(required=True)
-    initiatedBy = fields.Str(required=False)
+    channel = fields.Str(required=True)

app/api/schemas/select_offer.py

@@ -9,6 +9,5 @@ class SelectOfferSchema(Schema):
     msisdn = fields.Str(required=True)
     requestedAmount = fields.Float(required=True)
     productId = fields.Str(required=True)
-    offerId = fields.Str(required=True)
     channel = fields.Str(required=True)
 

app/api/services/__init__.py

@@ -6,4 +6,3 @@ from app.api.services.repayment import RepaymentService
 from app.api.services.customer_consent import CustomerConsentService
 from app.api.services.notification_callback import NotificationCallbackService
 from app.api.services.authorization import AuthorizationService
-from app.api.services.offer_analysis import OfferAnalysis

app/api/services/authorization.py

@@ -34,7 +34,7 @@ class AuthorizationService(BaseService):
             logger.info("Processing Authorization request")
 
             if not data:
-                return ResponseHelper.bad_request(result_description="Missing JSON in request")
+                return ResponseHelper.bad_request(message="Missing JSON in request")
 
             # Validate input data using the Authorization schema
             schema = AuthorizeRequestSchema()
@@ -44,7 +44,7 @@ class AuthorizationService(BaseService):
                 validated_data["username"] != USERNAME
                 or validated_data["password"] != PASSWORD
             ):
-                return ResponseHelper.unauthorized(result_description="Invalid credentials")
+                return ResponseHelper.unauthorized(message="Invalid credentials")
 
             access_token = create_access_token(identity=validated_data["username"])
             refresh_token = create_refresh_token(identity=validated_data["username"])
@@ -56,17 +56,17 @@ class AuthorizationService(BaseService):
             }
 
             return ResponseHelper.success(
-                data={"data": response_data}, result_description="Authorization processed successfully"
+                data=response_data, message="Authorization processed successfully"
             )
 
         except ValidationError as e:
             logger.error(f"Validation error: {e}")
-            return ResponseHelper.bad_request(result_description=f"Validation error: {e}")
+            return ResponseHelper.bad_request(message=f"Validation error: {e}")
 
         except Exception as e:
             logger.error(f"Error processing Authorization request: {e}")
             return ResponseHelper.internal_server_error(
-                result_description=f"Error processing Authorization request: {e}"
+                message=f"Error processing Authorization request: {e}"
             )
 
     @staticmethod
@@ -92,11 +92,11 @@ class AuthorizationService(BaseService):
             }
 
             return ResponseHelper.success(
-                data={"data": response_data}, result_description="RefreshToken processed successfully"
+                data=response_data, message="RefreshToken processed successfully"
             )
 
         except Exception as e:
             logger.error(f"Error processing RefreshToken request: {e}")
             return ResponseHelper.internal_server_error(
-                result_description=f"Error processing RefreshToken request: {e}"
+                message=f"Error processing RefreshToken request: {e}"
             )

app/api/services/base_service.py

@@ -4,7 +4,6 @@ from flask import jsonify
 from marshmallow import ValidationError
 import logging
 from app.api.integrations import KafkaIntegration
-from app.utils.mail import send_report_email, get_report_data
 
 logger = logging.getLogger(__name__)
 
@@ -49,131 +48,15 @@ class BaseService:
         """
         Create a new transaction.
         """
-        channel = "USSD" if validated_data.get("channel") is None else validated_data.get("channel")
-
         return Transaction.create_transaction(
             transaction_id = validated_data.get("transactionId"),
-            customer_id =  validated_data.get('customerId', None),
-            account_id = validated_data.get("accountId", None),  
+            ref_id = validated_data.get("refId") or validated_data.get("accountId"),
+            ref_model = validated_data.get("refModel", "account"),
             type = cls.TRANSACTION_TYPE,
-            channel = channel,
+            channel = validated_data.get("channel"),
         )
     
     @classmethod
     def async_send_to_kafka(cls, loan_data, request_id, topic):
         KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
         KafkaIntegration.flush()
-
-
-    @classmethod
-    def calculate_charges(cls, offer, amount):
-        """
-        Calculates and returns the charges for the given offer and amount.
-        
-        Args:
-            offer (Offer): The offer object that contains the charges.
-            amount (float): The requested loan amount.
-        
-        Returns:
-            dict: A dictionary containing the calculated charges.
-        """
-        if not offer or not offer.charges:
-            logger.error(f"No charges found for offer ID {offer.id}")
-            return {"error": "No charges found for the offer"}
-
-        loan_charges = offer.charges
-        tenor = offer.schedule # offer.tenor // 30 # Convert to months
-        interest =  cls.get_charge_detail(rates = offer.interest_rate, charges = loan_charges, code = "INTEREST", amount = amount)
-        management = cls.get_charge_detail(rates = offer.management_rate,  charges = loan_charges, code = "MGTFEE", amount = amount)
-        insurance = cls.get_charge_detail(rates = offer.insurance_rate, charges = loan_charges, code = "INSURANCE", amount = amount)
-        vat = cls.get_charge_detail(rates = offer.vat_rate, charges = loan_charges, code = "VAT", amount = amount, management_fee = management["fee"])
-
-        # Separate fees into upfront and postpaid
-        upfront_fees = [
-            fee["fee"]
-            for fee in [interest, management, insurance, vat]
-            if fee["due_days"] == 0
-        ]
-
-        postpaid_fees = [
-            fee["fee"]
-            for fee in [interest, management, insurance, vat]
-            if fee["due_days"] != 0
-        ]
-        vat_test  = vat["fee"]
-        logger.info(f"VAT fee ==  *************** : {vat_test}")
-
-        # Up-front payment: (only those fees due immediately i.e due_days == 0)
-        # upfront_payment = sum(upfront_fees)
-        if offer.schedule == 1:
-            upfront_payment = vat["fee"] + management["fee"] + insurance["fee"] + interest["fee"]
-            interest_amount = interest["fee"]
-            repayment_amount = amount
-        else:
-            upfront_payment = vat["fee"] + insurance["fee"]+management["fee"]
-            interest_amount = interest["fee"]*offer.schedule
-            repayment_amount = amount +  interest_amount
-
-
-        # Repayment amount: (principal + only those fees not due immediately i.e due_days != 0)
-       # repayment_amount = amount + (sum(postpaid_fees) * tenor)
-
-        # Total amount: (upfront_payment + repayment_amount)
-        total_amount = upfront_payment + repayment_amount
-
-        # Calculate the installment amount
-        installment_amount = repayment_amount / offer.schedule
-
-        return {
-            "interest": interest,
-            "interest_amount": interest_amount,
-            "management": management,
-            "insurance": insurance,
-            "vat": vat,
-            "upfront_payment": round(upfront_payment, 2),
-            "repayment_amount": round(repayment_amount, 2),
-            "installment_amount": round(installment_amount, 2),
-            "total_amount": round(total_amount, 2)
-        }
-
-    
-    @classmethod
-    def get_charge_detail(cls, rates, charges, code, amount, management_fee= 0.0):
-        """
-        Get details for a specific charge code from a list of loan charges.
-
-        Returns default values if not found.
-        """
-        fee = 0.0
-
-        if code == "VAT" and management_fee > 0:
-            fee = management_fee * rates / 100
-        else:
-            fee = amount * rates / 100
-
-        return {
-            "rate": rates,
-            "fee": round(fee, 2),
-            "due_days": 30,
-            "code": code,
-            "description" :  "have no idea how to get this yet"
-        }
-
-        # if charge.code == code:
-        #     if code == "VAT" and management_fee > 0:
-        #         fee = management_fee * rates / 100
-        #     else:
-        #         fee = amount * rates / 100
-        #
-        #     return {
-        #         "rate": rates,
-        #         "fee": round(fee, 2),
-        #         "due_days": charge.due
-        #     }
-            
-       # return {"rate": 0, "fee": 0, "due_days": 0}
-
-
-    @classmethod
-    def send_mail(cls, report_data, recipients):
-            send_report_email(report_data, recipients)

app/api/services/customer_consent.py

@@ -1,5 +1,4 @@
 from flask import request, jsonify
-from app.api.helpers.response_helper import ResponseHelper
 from app.api.services.base_service import BaseService
 from marshmallow import ValidationError
 from app.utils.logger import logger
@@ -35,26 +34,44 @@ class CustomerConsentService(BaseService):
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
                 else:  
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
 
+                    
+                # Simulated processing logic
+                response_data = {
+                    "resultCode": "00",
+                    "resultDescription": "Request is received"
+                }
 
                 db.session.commit()
-                return ResponseHelper.success(result_description="Request is received")
+                return response_data
             
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/eligibility_check.py

@@ -1,5 +1,4 @@
 from flask import session, jsonify
-from app.models.loan import Loan
 from app.utils.logger import logger
 from app.api.services.base_service import BaseService
 from app.api.schemas.eligibility_check import EligibilityCheckSchema
@@ -7,12 +6,6 @@ from marshmallow import ValidationError
 from app.api.enums import TransactionType
 from app.api.integrations import SimbrellaIntegration
 from app.extensions import db
-from app.models import Offer, RACCheck
-from app.api.services.offer_analysis import OfferAnalysis
-from app.api.helpers.response_helper import ResponseHelper
-
-import random
-
 
 class EligibilityCheckService(BaseService):
     TRANSACTION_TYPE = TransactionType.ELIGIBILITY_CHECK 
@@ -45,100 +38,44 @@ class EligibilityCheckService(BaseService):
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
-                else:  
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
-                
-                db.session.flush()
-
-                # Determine Loan count
-                is_eligible = EligibilityCheckService.check_loan_limits(customer_id)
-
-                if not is_eligible:
-                    return ResponseHelper.error(result_description="Max loan count reached")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                        
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
                 
                 # Call RACCheck
                 response = SimbrellaIntegration.rac_check(
                     customer_id = customer_id,
                     account_id = account_id,
-                    transaction_id = transaction.transaction_id,
+                    transaction_id = transaction.id,
                 )
+                logger.error(f"This is Response Returned ****** : {str(response)}")
 
-                # this chek for error is not valid
-                if response.status_code != 200:
-                    return ResponseHelper.error(result_description="RACCheck failed")
-                
-                response = response.json()
+                # this chck for error is not valid
+                logger.error(f"Check for ERROR is not valid  ****** FIX THIS !!!!!")
+                #if "error" in response or response.get("status") != 200:
+                #    return jsonify({"message": "RACCheck failed"}), 400
 
-                logger.info(f"This is Response (from Eligibility Check): {str(response)}", exc_info=True)
-
-                
-                if not response or response['responseCode'] != '00':
-
-                    if response:
-                        logger.error(f"{response['responseMessage']}")
-
-                    return ResponseHelper.error(result_description=f"RACCheck failed")
-
-                rack_checks_response = response['data']['racResponse']
-
-                rac_check = RACCheck.add_rac_check(
-                    customer_id = customer_id,
-                    account_id = account_id,
-                    transaction_id = transaction.transaction_id,
-                    data = rack_checks_response
-                    )
-
-                if not rac_check:
-                    logger.error(f"Failed to save RACCheck")
-                    return ResponseHelper.error(result_description="Failed to save RACCheck.")
-
-                # -----------------TIME FOR ANALYSIS TO REGISTER OFFER ----------------------
-                # eligible_offers = []
-                try:
-                  eligible_offers = OfferAnalysis.decide_offer(
-                        transaction_id=transactionId,
-                        rac_check=rac_check,
-                        validated_data=validated_data,
-                        customer_id=customer_id,
-                        rack_checks_response =rack_checks_response
-                    )
-                except ValueError as ve:
-                    logger.error(str(ve))
-                    return ResponseHelper.error(result_description= str(ve))
-# -----------------------------------------------------------------------
-#                 s = Offer.get_all_offers()
-
-                # eligible_offers = []
-
-                # for offer in offers:
-                #     # Determine an approved amount
-                #     random_float = random.random() # temporary to play data
-                #     approved_amount = min(offer.max_amount, offer.max_amount * random_float) #temporary for now
-                #     approved_amount = round(approved_amount, 2)
-                #
-                #     transaction_offer = TransactionOffer.create_transaction_offer(
-                #         customer_id = customer.id,
-                #         transaction_id = transaction.transaction_id,
-                #         offer_id = offer.id,
-                #         min_amount = offer.min_amount,
-                #         max_amount = offer.max_amount,
-                #         eligible_amount = approved_amount,
-                #         product_id = offer.product_id,
-                #         tenor = offer.tenor
-                #     )
-                #
-                #     # Visible offer ID: offer_id + padded(transaction_offer.id)
-                #     padded_id = str(transaction_offer.id).zfill(6)
-                #     public_offer_id = f"{offer.id}{padded_id}"
-                #
-                #     eligible_offers.append({
-                #         "offerId": public_offer_id,
-                #         "product_id": offer.product_id,
-                #         "min_amount": offer.min_amount,
-                #         "max_amount": approved_amount,
-                #         "tenor": offer.tenor
-                #     })
+                offers = [
+                    {
+                        "offerId": "SAL90",
+                        "productId": "2030",
+                        "minAmount": 5000,
+                        "maxAmount": 100000,
+                        "tenor": 30
+                    },
+                    {
+                        "offerId": "SAL30",
+                        "productId": "2090",
+                        "minAmount": 3000,
+                        "maxAmount": 500000,
+                        "tenor": 90
+                    }
+                ]
 
                 # Simulate processing
                 response_data = {
@@ -146,53 +83,31 @@ class EligibilityCheckService(BaseService):
                     "transactionId": transactionId,
                     "countryCode": "NG",
                     "msisdn": msisdn,
-                    "eligibleOffers": eligible_offers,
+                    "eligibleOffers": offers,
+                    "resultDescription": "Successful",
+                    "resultCode": "00",
                     "accountId": account_id
                     }
 
-                return ResponseHelper.success(data=response_data)
+                return response_data
         
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
-        
-
-    @staticmethod
-    def check_loan_limits(customer_id):
-        """
-        Checks if a customer has exceeded the loan limits for given offer.
-        """  
-        loan = Loan.get_customer_last_loan(customer_id)
-
-        if not loan:
-            return True
-        
-        offer_id = loan.offer_id[:5]
-
-        offer = Offer.get_offer_by_id(offer_id)
-        if not offer:
-            logger.error(f"Offer not found for offer_id: {offer_id} (customer_id: {customer_id})")
-            return False
-
-        daily_count = Loan.get_daily_loan_count(customer_id, offer.product_id)
-        
-        
-        logger.info(f"daily_count: {daily_count}, Max: {offer.max_daily_loans}")
-
-        if offer.max_daily_loans is not None and daily_count >= offer.max_daily_loans:
-            return False
-        
-
-        return True
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/loan_status.py

@@ -6,8 +6,7 @@ from app.utils.logger import logger
 from app.api.schemas.loan_status import LoanStatusSchema 
 from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType   
-from app.extensions import db
-from app.api.helpers.response_helper import ResponseHelper
+from app.extensions import db  
 
 
 class LoanStatusService(BaseService):
@@ -28,24 +27,46 @@ class LoanStatusService(BaseService):
             with db.session.begin():
                 # Validate data
                 validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
-
-                customer_id =  validated_data.get('customerId')
-
-                logger.info(f"Looking for customer *** {customer_id}")
-                customer = Customer.get_customer_with_loan_list(customer_id)
-                
-                transactionId = validated_data.get('transactionId')
                 account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+                customer = Customer.get_customer(customer_id)
+                transactionId = validated_data.get('transactionId')
+
+                if not customer:
+                    return jsonify({
+                        "message": "Customer not found."
+                    }), 404
+
+                if (LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
 
-                if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
                     # Get loans
                     loans = [loan.to_dict() for loan in customer.loans if loan.status == LoanStatus.ACTIVE]
+
                     transaction = LoanStatusService.log_transaction(validated_data = validated_data)
+
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
-                else:  
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
+            
+
+                # loans = [
+                #     {
+                #         "debtId": "123456789",
+                #         "loanDate": "2019-10-18 14:26:21.063",
+                #         "dueDate": "2019-11-20 14:26:21.063",
+                #         "currentLoanAmount": 8500,
+                #         "initialLoanAmount": 10000,
+                #         "defaultPenaltyFee": 0,
+                #         "continuousFee": 0,
+                #         "productId": "101"
+                #     }
+                # ]
 
                 total_debt_amount = sum(
                     loan.get("currentLoanAmount") or 0
@@ -55,27 +76,36 @@ class LoanStatusService(BaseService):
                 # Simulated processing logic
                 response_data = {
                     "customerId": customer_id,
-                    "accountId": account_id,
                     "transactionId": transactionId,
                     "loans": loans,
                     "totalDebtAmount": total_debt_amount,
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                 }
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/notification_callback.py

@@ -5,7 +5,6 @@ from app.api.enums import TransactionType
 from app.utils.logger import logger
 from app.api.schemas.notification_callback import NotificationCallbackSchema
 from app.extensions import db
-from app.api.helpers.response_helper import ResponseHelper
 
 class NotificationCallbackService(BaseService):
     TRANSACTION_TYPE = TransactionType.NOTIFICATION_CALLBACK 
@@ -28,20 +27,37 @@ class NotificationCallbackService(BaseService):
             schema = NotificationCallbackSchema()
             validated_data = schema.load(data)  # Raises ValidationError if invalid
 
-            return ResponseHelper.success()
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Notification callback processed successfully"
+            # )
+
+            return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/offer_analysis.py

@@ -1,251 +0,0 @@
-from decimal import Decimal
-from app.models import Offer, TransactionOffer
-from app.models.loan import Loan
-import random
-import logging
-
-from app.config import Config
-
-RAC_TRUE_CHECK_RULES = Config.rac_true_rules
-RAC_FALSE_CHECK_RULES = Config.rac_false_rules
-RAC_SALARY_PAYMENTS = Config.rac_salary_payments
-
-logger = logging.getLogger(__name__)
-
-class OfferAnalysis:
-
-    @staticmethod
-    def get_offer(transaction_id, rac_response, validated_data):
-        customer_id = validated_data.get("customerId")
-        product_id = validated_data.get("productId")
-        offer_id = validated_data.get("offerId")
-
-        transaction_offer_id =  int(offer_id[5:]) # The last part is int
-
-        logger.info(f"customer_id ==  *************** : {customer_id}")
-        logger.info(f"product_id  ==  *************** : {product_id}")
-        logger.info(f"offer_id    ==  *************** : {offer_id}")
-        logger.info(f"transaction_offer_id    ==  *************** : {transaction_offer_id}")
-
-        transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, product_id)
-
-        if not transaction_offer:
-            raise ValueError("Invalid Transaction Offer.")
-
-        eligible_amount =  transaction_offer.eligible_amount
-        offer = Offer.is_valid_offer( transaction_offer.offer_id)
-
-        if not offer:
-            raise ValueError("Invalid Offer.")
-        original_transaction =  transaction_id
-
-        return transaction_offer, offer, eligible_amount, original_transaction
-    
-    @staticmethod
-    def _analyze_rack_checks(rack_response, offer):
-        logger.info(f"This is PayLoad for ANALYSYS ***** : {str(rack_response)}", exc_info=True)
-        logger.info(f"RACk TRUE RULES    {str(RAC_TRUE_CHECK_RULES)}", exc_info=True)
-        logger.info(f"RACk FALSE RULES   {str(RAC_FALSE_CHECK_RULES)}", exc_info=True)
-        logger.info(f"RACk SALARY PAYMENTS   {str(RAC_SALARY_PAYMENTS)}", exc_info=True)
-
-        if not isinstance(rack_response, dict) or not offer :
-            raise ValueError("Invalid RAC response format.")
-        
-
-        
-        failed_true_rules = []
-        failed_false_rules = []
-        salaries = []
-
-        # Expects true
-        for rule in RAC_TRUE_CHECK_RULES:
-            if not rack_response.get(rule, False):
-                failed_true_rules.append(rule)
-
-        # Expects false
-        for rule in RAC_FALSE_CHECK_RULES:
-            if rack_response.get(rule, True):
-                failed_false_rules.append(rule)
-
-
-        # Salary rules
-        for key in RAC_SALARY_PAYMENTS:
-            value = rack_response.get(key)
-
-           
-            if isinstance(value, Decimal):
-                 # Only use values greater than 0
-                if value > 0:
-                    salaries.append(value)
-            elif isinstance(value, (int, float, str)):
-                try:
-                    value = Decimal(str(value))
-                    if value > 0:
-                        salaries.append(value)
-                except:
-                    logger.warning(f"Could not convert value of {key} to Decimal: {value}")
-
-
-        if failed_true_rules or failed_false_rules or not salaries:
-            logger.warning(f"Failed TRUE rules: {failed_true_rules}")
-            logger.warning(f"Failed FALSE rules: {failed_false_rules}")
-            logger.warning("No salary records found in RAC response.")
-            raise ValueError(f"RAC analysis failed")
-        
-
-
-        logger.info(f"These are the salary amounts ***** : {str(salaries)}", exc_info=True)
-
-        #Least salary in the last 6 months
-        min_salary = min(salaries)
-
-        # Check consistency rule
-        consistent_income = rack_response.get("rule7_consistent_salary_amount", False)
-
-         # Determine percentage based on offer tenor
-        tenor = offer.tenor
-        
-        if tenor == 30 and consistent_income:
-            eligible_amount = min_salary * Decimal("0.5")
-            logger.info("Applying 50% of least salary in 6 months due to 1-month offer tenor with stable income.")
-        elif tenor == 90 and consistent_income:
-            eligible_amount = min_salary * Decimal("0.75")
-            logger.info("Applying 75% of least salary in 6 months due to 3-months offer tenor with stable income.")
-           
-        else:  # Income is not consistent
-            eligible_amount = 0
-            logger.info("Applying no percentage on least salary due unstable income.")
-            
-
-
-        logger.info(f"Calculated eligible amount from RAC: {eligible_amount} based on {'stable' if consistent_income else 'unstable'} income.")
-
-        return eligible_amount.quantize(Decimal("1.00"))  
-    
-        # "racResponse": {
-        #     "accountStatus": true,
-        #     "bvnValidated": true,
-        #     "creditBureauCheck": false,
-        #     "crmsCheck": true,
-        #     "hasLien": false,
-        #     "hasPastDueLoan": false,
-        #     "hasSalaryAccount": true,
-        #     "isWhitelisted": true,
-        #     "noBouncedCheck": true
-        # },
-        #
-
-        '''
-        30 days
-        Eligibility amount (monthly SOL) - Adoption of 50% of the least salary inflow in the past 6 months
-        to determine loan eligibility for potential customers.
-
-        3 months
-        Adoption of 75% of the least salary inflow in the past 6 months to determine loan eligibility for
-        potential customers" for customers that have unstable income.   3 months
-        '''
-        # rac_true_rules
-
-        return 0
-
-    @staticmethod
-    def decide_offer(transaction_id, rac_check, validated_data, customer_id, rack_checks_response):
-        eligible_offers = []
-        # if we have active offers - we have to feed off it
-        logger.info(f"**RACK ANALYSIS** {customer_id}")
-        # Analyze Rack Checks
-        # new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
-
-        # we can now find the origin transactions
-        # Find the last loan - it will have original_transaction
-        last_customer_loan = Loan.get_customer_last_loan(customer_id)
-        # logger.info(f"{last_customer_loan}")
-
-        if last_customer_loan:
-            original_transaction = last_customer_loan.original_transaction or last_customer_loan.transaction_id
-            logger.info(f"transaction_id |-| original_transaction === > {transaction_id} {original_transaction}")
-            original_loan  = Loan.get_customer_original_loan(customer_id, original_transaction)
-            if original_loan is not None:
-                logger.info(f"original_loan === > {original_loan}")
-                logger.info(f"loan_offer_id === > {original_loan.offer_id}")
-
-                original_offer_id = str(original_loan.offer_id[:5])  # The last part is str
-                transaction_offer_id = int(original_loan.offer_id[5:])  # The last part is int
-                original_transaction_offer = TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, original_loan.product_id)
-
-                active_loans = Loan.get_active_loans_by_original_transaction(original_transaction)
-                sum_active_loans = sum(loan.current_loan_amount for loan in active_loans)
-                logger.info(f"sum_active_loans === > {sum_active_loans}")
-                real_eligible_amount = original_loan.eligible_amount - sum_active_loans
-
-                if real_eligible_amount < original_transaction_offer.min_amount:
-                    logger.error(f"Max eligible amount ({real_eligible_amount}) is less than the minimum offer amount ({original_transaction_offer.min_amount}).")
-                    raise ValueError("You are not eligible for a loan at this time.")
-
-                transaction_offer = TransactionOffer.create_transaction_offer(
-                    customer_id=customer_id,
-                    transaction_id=transaction_id,
-                    original_transaction=original_transaction,
-                    offer_id=original_offer_id,
-                    min_amount=original_transaction_offer.min_amount,
-                    max_amount=original_transaction_offer.max_amount,
-                    eligible_amount=real_eligible_amount,
-                    product_id=original_loan.product_id,
-                    tenor=original_loan.tenor
-                )
-
-                # Visible offer ID: offer_id + padded(transaction_offer.id)
-                padded_id = str(transaction_offer.id).zfill(6)
-                public_offer_id = f"{original_offer_id}{padded_id}"
-
-                eligible_offers.append({
-                    "offerId": public_offer_id,
-                    "product_id": original_transaction_offer.product_id,
-                    "min_amount": original_transaction_offer.min_amount,
-                    "max_amount": round(real_eligible_amount, 2),
-                    "tenor": original_loan.tenor
-                })
-                return eligible_offers
-
-
-        offers = Offer.get_all_offers()
-
-
-        for offer in offers:
-           
-            new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response, offer)
-
-
-            approved_amount = new_eligible_amount 
-            approved_amount = round(approved_amount, 2)
-
-            if approved_amount < offer.min_amount:
-                    logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
-                    raise ValueError("You are not eligible for a loan at this time.")
-
-
-            transaction_offer = TransactionOffer.create_transaction_offer(
-                customer_id=customer_id,
-                transaction_id=transaction_id,
-                original_transaction=transaction_id,
-                offer_id=offer.id,
-                min_amount=offer.min_amount,
-                max_amount=offer.max_amount,
-                eligible_amount=approved_amount,
-                product_id=offer.product_id,
-                tenor=offer.tenor
-            )
-
-            # Visible offer ID: offer_id + padded(transaction_offer.id)
-            padded_id = str(transaction_offer.id).zfill(6)
-            public_offer_id = f"{offer.id}{padded_id}"
-
-            eligible_offers.append({
-                "offerId": public_offer_id,
-                "product_id": offer.product_id,
-                "min_amount": offer.min_amount,
-                "max_amount": approved_amount,
-                "tenor": offer.tenor
-            })
-
-        return eligible_offers

app/api/services/provide_loan.py

@@ -3,19 +3,12 @@ from marshmallow import ValidationError
 from app.api.integrations.kafka import KafkaIntegration
 from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType   
-from app.models.customer import Customer
-from app.models.loan_charge import LoanCharge
 from app.utils.logger import logger
 from app.api.schemas.provide_loan import ProvideLoanSchema
 from threading import Thread
-from app.models import Loan, Offer, Charge , TransactionOffer, RACCheck
+from app.models.loan import Loan
 from app.api.enums import LoanStatus
 from app.extensions import db
-from datetime import datetime, timezone
-from dateutil.relativedelta import relativedelta
-from app.models import LoanRepaymentSchedule 
-from app.api.services.offer_analysis import OfferAnalysis
-from app.api.helpers.response_helper import ResponseHelper
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -38,161 +31,90 @@ class ProvideLoanService(BaseService):
                 account_id = validated_data.get('accountId')
                 customer_id =  validated_data.get('customerId')
                 request_id =  validated_data.get('requestId')
-                collection_type =  validated_data.get('collectionType')
                 transaction_id = validated_data.get('transactionId')
-                offer_id = validated_data.get('offerId')
-                amount = validated_data.get("requestedAmount")
-                product_id = validated_data.get("productId")
-                channel = validated_data.get('channel')
 
-                customer = Customer.is_valid_customer(customer_id)
+                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
 
-                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)): 
-
-                    rac_response = RACCheck.get_rac_check(customer_id = customer_id, account_id = account_id)
-
-                    try:
-                      transaction_offer, offer, eligible_amount, original_transaction = OfferAnalysis.get_offer(
-                            transaction_id=transaction_id,
-                            rac_response=rac_response,  
-                            validated_data=validated_data
-                        )
-                    except ValueError as ve:
-                        logger.error(str(ve))
-                        return ResponseHelper.error(result_description=str(ve))
-
-
-                    if(amount < transaction_offer.min_amount):
-                        return ResponseHelper.error(result_description="The amount is less than the minimum allowed transaction amount.")
-                    elif amount > transaction_offer.max_amount:
-                        return ResponseHelper.error(result_description="The amount is greater than the maximum allowed transaction amount.")
-
-                    
-                    # transaction_offer_id =  int(offer_id[5:]) # The last part is int
-
-                    # transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id)
-                    
-                    # if not transaction_offer:
-                    #     logger.error(f"Invalid Transaction Offer")
-                    #     return jsonify({
-                    #         "message": "Invalid Transaction Offer."
-                    #     }), 400
-
-                    # eligible_amount =  transaction_offer.eligible_amount
-                    # offer = Offer.is_valid_offer( transaction_offer.offer_id)
-
-                    # if not offer:
-                    #     logger.error(f"Invalid Offer")
-                    #     return jsonify({
-                    #         "message": "Invalid Offer."
-                    #     }), 400
-                    
-                    
-                    # Log Transaction
-                    transaction = ProvideLoanService.log_transaction(validated_data=validated_data)
-
-                    if not transaction:
-                        logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
-                    
-
-                    db.session.flush()
-
-                    charges = ProvideLoanService.calculate_charges(offer, amount)
-                    upfront_fee = charges["upfront_payment"]
-                    repayment_amount = charges["repayment_amount"]
-                    #installment_amount = charges["installment_amount"]
-                    num_schedules = offer.schedule
-
-                    upfront_payment = charges["upfront_payment"]
-                    total_amount = charges["total_amount"]
-                    installment_amount = charges["installment_amount"]
-                    interest = charges["interest"]
-                    management = charges["management"]
-                    insurance = charges["insurance"]
-                    vat = charges["vat"]
-                    
-                    padded_id = str(transaction_id).zfill(12)
-                    loan_ref = f"{padded_id}{channel}{offer.product_id}"
-
-
-                    # Save the loan details
+                
+                    # Save the loan details  
                     loan = Loan.create_loan(
-                        customer_id = customer_id,
-                        account_id = account_id,
-                        offer_id = offer_id,
-                        product_id = offer.product_id,
-                        collection_type = collection_type,
-                        transaction_id = validated_data.get('transactionId'),
-                        original_transaction = transaction_offer.original_transaction,
-                        initial_loan_amount = validated_data.get('requestedAmount'),
-                        upfront_fee = upfront_fee,
-                        repayment_amount = repayment_amount,
-                        installment_amount = installment_amount,
-                        eligible_amount=eligible_amount,
-                        status = LoanStatus.ACTIVE,
-                        tenor = offer.tenor,
-                        reference = loan_ref
+                        customer_id=customer_id,
+                        account_id=account_id,
+                        offer_id=validated_data.get('offerId'),
+                        principal_amount=validated_data.get('requestedAmount'),
+                        status=LoanStatus.ACTIVE
                     )
 
                     if not loan:
                         logger.error(f"Failed to save loan details")
-                        
-                        return ResponseHelper.error(result_description="Failed to save loan details.")
-
-                    db.session.flush()
-                    current_product_id = offer.product_id
-                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
-
-
-                    if not schedule:
-                        logger.error(f"Failed to create repayment schedule for loan ID {loan.id}")
-                        return ResponseHelper.error(result_description="Failed to generate loan repayment schedule.")
-
-                    # charges = Charge.get_offer_charges(offer.id)
-
-                    # logger.info(f"{charges}")
+                        return jsonify({
+                            "message": "Failed to save loan details."
+                        }), 400
                     
-                    loan_id = loan.id
-
-                    loan_charges = LoanCharge.create_charges_for_loan(loan_id = loan_id, transaction_id = transaction_id, referenced_amount = 800, charges = charges)
+                    db.session.flush()
+                    validated_data['refId'] = loan.id
+                    validated_data['refModel'] = "loan"
+                    
+                    # Log Transaction
+                    transaction = ProvideLoanService.log_transaction(validated_data = validated_data)
 
+                    if not transaction:
+                        logger.error(f"Failed to log transaction")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
 
+            
                     
                 else: 
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
             
-                
             
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
-                    "loanRef": loan_ref,
                     "customerId": customer_id,
                     "accountId": account_id,
-                    "msisdn": customer.msisdn
+                    "msisdn": "3451342",
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                     }
 
+
                 # KafkaIntegration.send_loan_request(loan_data = response_data, request_id = request_id)
                 # Call Kafka in a background thread
                 thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
                 thread.start()
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+            db.session.rollback() 
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            db.session.rollback() 
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500
+        
+    
+ 
+

app/api/services/repayment.py

@@ -1,7 +1,6 @@
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.enums.loan_status import LoanStatus
-from app.api.helpers.response_helper import ResponseHelper
 from app.models import Repayment
 from app.models.customer import Customer
 from app.models.loan import Loan
@@ -29,75 +28,95 @@ class RepaymentService(BaseService):
         try:
             with db.session.begin():
                 validated_data = RepaymentService.validate_data(data, RepaymentSchema())
-
+                account_id = validated_data.get('accountId')
                 customer_id =  validated_data.get('customerId')
                 request_id =  validated_data.get('requestId')
                 loan_id = validated_data.get('debtId')
-                account_id = validated_data.get('accountId')
-                loan_ref = validated_data.get('loanRef')
-                # customer = Customer.get_customer_with_loan_list(customer_id)
-                transaction_id  = validated_data.get('transactionId')
-                initiated_by = validated_data.get('initiatedBy')
-                logger.error(f"HERE 0002a **** ")
-                if(RepaymentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
-                    logger.error(f"HERE 0001a **** ")
-                    # Check loan exists
-                    loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
+                product_id = validated_data.get('productId')
+                customer = Customer.get_customer(customer_id)
+
+                if not customer:
+                    return jsonify({
+                        "message": "Customer not found."
+                    }), 404
+
+    
+                if (RepaymentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
 
                     # Save the repayment details  
                     repayment = Repayment.create_repayment(
                         customer_id = customer_id,
-                        loan = loan,
-                        transaction_id = transaction_id
+                        loan_id = loan_id,
+                        product_id = product_id
+
                     )
 
                     if not repayment:
                         logger.error(f"Failed to save repayment details")
-                        return ResponseHelper.error(result_description="Failed to save repayment details.")
-
+                        return jsonify({
+                            "message": "Failed to save repayment details."
+                        }), 400
+            
+                
                     #Update Loan status
-                    Loan.update_status(loan_id = loan_id, status = LoanStatus.START_REPAY) # repay started bu user
+                    Loan.update_status(loan_id = loan_id, status = LoanStatus.REPAID)
+                    
                     transaction = RepaymentService.log_transaction(validated_data = validated_data)
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.") 
-                else:
-                    logger.error(f"Invalid Customer or AccountID {account_id} to CustomerID{customer_id} ")
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                    
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
+                
+
 
                 # Simulated processing logic
-                # TODO start using repayment_id instead if id or Id
                 response_data = {
-                    "Id": repayment.id,
-                    "repayment_id": repayment.id,
-                    "initiated_by": repayment.initiated_by,
-                    "transactionId": transaction_id,
                     "customerId": customer_id,
-                    "productId": loan.product_id,
-                    "loanRef": loan_ref,
-                    "debtId": loan_id
+                    "productId": product_id,
+                    "debtId": loan_id,
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                 }
 
+                # return ResponseHelper.success(
+                #     data=response_data,
+                #     message="Repayment processed successfully"
+                # )
+
                 # Call Kafka in a background thread
                 thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
                 thread.start()
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+            db.session.rollback() 
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            db.session.rollback() 
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/select_offer.py

@@ -1,15 +1,11 @@
 from flask import request, jsonify
 from marshmallow import ValidationError
-from app.api.helpers.response_helper import ResponseHelper
 from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType
-from app.models.transaction_offers import TransactionOffer
 from app.utils.logger import logger
 from app.api.schemas.select_offer import SelectOfferSchema
 from app.extensions import db
-from app.models import Offer
-from datetime import date
-from dateutil.relativedelta import relativedelta
+
 
 class SelectOfferService(BaseService):
     TRANSACTION_TYPE = TransactionType.SELECT_OFFER
@@ -32,15 +28,6 @@ class SelectOfferService(BaseService):
                 )
                 account_id = validated_data.get("accountId")
                 customer_id = validated_data.get("customerId")
-                amount = validated_data.get("requestedAmount")
-                product_id = validated_data.get("productId")
-                transaction_offer_id = validated_data.get("offerId")
-                transaction_id = validated_data.get("transactionId")
-                request_id = validated_data.get("requestId")
-
-                offer_id = int(transaction_offer_id[5:])  # The last part is int
-
-                #"offerId": "SAL30001129",
 
                 if SelectOfferService.validate_account_ownership(
                     account_id=account_id, customer_id=customer_id
@@ -51,118 +38,56 @@ class SelectOfferService(BaseService):
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
-                else:  
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
-
-                # Get the offer by product ID
-                offer = Offer.get_offer_by_product_id(product_id)
-
-                transaction_offer = TransactionOffer.get_transaction_offer(transaction_offer_id=offer_id)
-
-                if not transaction_offer:
-                    logger.error(f"offer {offer_id} not found for customer {customer_id} and transaction {transaction_id}.")
-                    return ResponseHelper.error(result_description="Offer not found.")
-
-                db.session.flush()
-
-                if amount < transaction_offer.min_amount:
-                    logger.error(f"The amount {amount} is less than the minimum allowed offer amount {transaction_offer.min_amount}.")
-                    return ResponseHelper.error(result_description="The amount is less than the minimum allowed offer amount.")
-                elif amount > transaction_offer.eligible_amount:
-                    logger.error(f"The amount {amount} is greater than the eligible offer amount {transaction_offer.eligible_amount}.")
-                    return ResponseHelper.error(result_description="The amount is greater than the eligible offer amount.")
-
-                    
-
-                charges = SelectOfferService.calculate_charges(offer, amount)
-                upfront_payment = charges["upfront_payment"]
-                total_amount = charges["total_amount"]
-                installment_amount = charges["installment_amount"]
-                interest = charges["interest"]
-                management = charges["management"]
-                insurance = charges["insurance"]
-                vat = charges["vat"]
-                repayment_amount = charges["repayment_amount"]
-                interest_amount = charges["interest_amount"]
-
-
-                # Calculate the repayment dates
-                tenor = offer.tenor
-                start_date = date.today()
-
-                # Convert tenor to months
-                months = offer.schedule # tenor  // 30
-
-                recommended_repayment_dates = [
-                    (start_date + relativedelta(months=i + 1)).isoformat()
-                    for i in range(months)
-                ]
-
-            
+                        return jsonify({"message": "Failed to log transaction."}), 400
+                else:
+                    return jsonify({"message": "Invalid Customer or Account"}), 400
 
                 offers = [
                     {
-                        "offerId": transaction_offer_id,
-                        "productId": product_id,
-                        "amount": amount,
-                        "upfrontPayment": upfront_payment,
-                        "interestRate": offer.interest_rate,
-                        "interestFee": interest_amount,
-                        "managementRate": offer.management_rate,
-                        "managementFee": management["fee"],
-                        "insuranceRate": offer.insurance_rate,
-                        "insuranceFee": insurance["fee"],
-                        "VATRate": offer.vat_rate,
-                        "VATAmount": vat["fee"],
-                        "recommendedRepaymentDates": recommended_repayment_dates,
-                        "repaymentAmount": repayment_amount,
-                        "installmentAmount": installment_amount,
-                        "totalRepaymentAmount": total_amount,
+                        "offerId": "14451",
+                        "productId": "2030",
+                        "amount": 10000.0,
+                        "upfrontPayment": 1000.0,
+                        "interestRate": 3.0,
+                        "managementRate": 1.0,
+                        "managementFee": 1.0,
+                        "insuranceRate": 1.0,
+                        "insuranceFee": 100.0,
+                        "VATRate": 7.5,
+                        "VATAmount": 100.0,
+                        "recommendedRepaymentDates": ["2022-11-30"],
+                        "installmentAmount": 11000.0,
+                        "totalRepaymentAmount": 11000.0,
                     }
                 ]
 
-                # "offerId": offer.id,
-                # "productId": product_id,
-                # "amount": amount,
-                # "upfrontPayment": upfront_payment,
-                # "interestRate": interest["rate"],
-                # "managementRate": management["rate"],
-                # "managementFee": management["fee"],
-                # "insuranceRate": insurance["rate"],
-                # "insuranceFee": insurance["fee"],
-                # "VATRate": vat["rate"],
-                # "VATAmount": vat["fee"],
-                # "recommendedRepaymentDates": recommended_repayment_dates,
-                # "installmentAmount": installment_amount,
-                # "totalRepaymentAmount": total_amount,
-                #
                 # Business logic - selecting an offer
                 response_data = {
                     "outstandingDebtAmount": 0,
-                    "requestId": request_id,
-                    "transactionId": transaction_id,
+                    "requestId": "202111170001371256908",
+                    "transactionId": transaction.id,
                     "customerId": customer_id,
                     "accountId": account_id,
                     "loan": offers,
+                    "resultCode": "00",
+                    "resultDescription": "Successful",
                 }
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
-        
-        except  ValueError as err:
+            db.session.rollback() 
+            return jsonify({"message": "Validation exception"}), 422
+
+        except ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+            return jsonify({"message": str(err)}), 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
-        
+            db.session.rollback() 
+            return jsonify({"message": "Internal Server Error"}), 500

app/config.py

@@ -1,6 +1,7 @@
 import os
 from datetime import timedelta
 
+
 class Config:
     """Base configuration for Flask app"""
 
@@ -8,25 +9,20 @@ class Config:
     API_URL = os.getenv("API_URL", "/swagger.json")
 
     DEBUG = True
+    VALID_APP_ID = os.getenv("VALID_APP_ID", "app1")
+    VALID_API_KEY = os.getenv("VALID_API_KEY", "test-api-key-12345")
     BASIC_AUTH_USERNAME = os.environ.get("BASIC_AUTH_USERNAME", "user")
     BASIC_AUTH_PASSWORD = os.environ.get("BASIC_AUTH_PASSWORD", "password")
 
-    # Database Configuration
     DATABASE_USER = os.environ.get("DATABASE_USER")
     DATABASE_PASSWORD = os.environ.get("DATABASE_PASSWORD")
     DATABASE_HOST = os.environ.get("DATABASE_HOST")
     DATABASE_PORT = os.environ.get("DATABASE_PORT", 10532)
-    DATABASE_NAME = os.environ.get("DATABASE_NAME", "firstadvancedev")
-    DATABASE_SID = os.environ.get("DATABASE_SID", "FREE")
-    DNS = f"(DESCRIPTION=(ADDRESS=(PROTOCOL=TCP)(HOST={DATABASE_HOST})(PORT={DATABASE_PORT}))(CONNECT_DATA=(SID={DATABASE_SID})))"
-
-
-    # Database Connection
-    # SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
-
-    SQLALCHEMY_DATABASE_URI = (f"oracle+oracledb://{DATABASE_USER}:{DATABASE_PASSWORD}@{DNS}")
+    DATABASE_NAME = os.environ.get("DATABASE_NAME")
 
+    SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
     SQLALCHEMY_TRACK_MODIFICATIONS = False
+    SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
 
 
     JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "secret-key")
@@ -35,65 +31,8 @@ class Config:
         "JWT_REFRESH_TOKEN_EXPIRES", timedelta(days=30)
     )
 
-    # KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
-    KAFKA_BROKER = os.getenv("KAFKA_BROKER", "dev-events.simbrellang.net:9085")
-
-   # SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS", "RACCheck")
-    VALID_APP_ID = os.getenv("SIMBRELLA_APP_ID", "app1")
-    VALID_API_KEY = os.getenv("SIMBRELLA_API_KEY", "test-api-key-12345")
-    SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
-    SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/rac-check")
-
-    RAC_RESULT_accountStatus = os.environ.get("RAC_RESULT_accountStatus", "true")
-    RAC_RESULT_bvnValidated = os.environ.get("RAC_RESULT_bvnValidated", "true")
-    RAC_RESULT_creditBureauCheck = os.environ.get("RAC_RESULT_creditBureauCheck", "false")
-    RAC_RESULT_crmsCheck = os.environ.get("RAC_RESULT_crmsCheck", "true")
-    RAC_RESULT_hasLien = os.environ.get("RAC_RESULT_hasLien", "false")
-    RAC_RESULT_hasPastDueLoan = os.environ.get("RAC_RESULT_hasPastDueLoan", "false")
-    RAC_RESULT_hasSalaryAccount = os.environ.get("RAC_RESULT_hasSalaryAccount", "true")
-    RAC_RESULT_isWhitelisted = os.environ.get("RAC_RESULT_isWhitelisted", "true")
-    RAC_RESULT_noBouncedCheck = os.environ.get("RAC_RESULT_noBouncedCheck", "true")
-
-    rac_true_rules = [
-        "rule1_45day_sal",
-        "rule2_2m_sal",
-        "rule3_no_bounced_check",
-        "rule4_current_loan_payments",
-        "rule5_no_past_due_fadv_loan",
-        "rule6_no_past_due_other_loan",
-        "rule7_consistent_salary_amount",
-        "rule8_whitelisted",
-        "rule9_regular_account",
-        "rule10_bvn_validation",
-        "rule11_CRC_no_delinquency",
-        "rule12_CRMS_no_delinquency",
-        "rule13_BVN_ignore",
-        "rule14_no_lien",
-        "rule15_null_ignore"
-    ]
-    
-    rac_false_rules = [
-
-    ]
-
-    rac_salary_payments = [
-        "salarypaymenT_1",
-        "salarypaymenT_2",
-        "salarypaymenT_3",
-        "salarypaymenT_4",
-        "salarypaymenT_5",
-        "salarypaymenT_6"
-    ]
-
-    MAIL_SERVER = os.getenv('MAIL_SERVER','smtp.zoho.com')
-    MAIL_PORT = 587
-    MAIL_USERNAME = os.getenv('MAIL_USERNAME', 'firstadvance@dynamikservices.tech')
-    MAIL_PASSWORD = os.getenv('MAIL_PASSWORD')
-    MAIL_USE_TLS = True
-    MAIL_USE_SSL = False
-    MAIL_DEFAULT_SENDER = ('FirstAdvance', 'firstadvance@dynamikservices.tech')
-    MAIL_RECEIVER= os.getenv('MAIL_RECEIVER', 'vdagbue@gmail.com')
-   
+    KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
+    KAFKA_PAYMENT_TOPIC = 'PROCESS_PAYMENT'
 
 
 settings = Config()

app/errors/handlers.py

@@ -5,20 +5,20 @@ from app.api.helpers.response_helper import ResponseHelper
 def register_error_handlers(app):
     @app.errorhandler(HTTPException)
     def handle_http_exception(e):
-        return ResponseHelper.error(result_description=e.description, result_code=e.code )
+        return jsonify({'error': e.description}), e.code
     
     @app.errorhandler(405)
     def method_not_allowed(error):
-        return ResponseHelper.method_not_allowed()
+        return jsonify({"message": "Method Not Allowed"}), 405
 
     @app.errorhandler(404)
     def not_found(error):
-        return ResponseHelper.not_found()
+        return jsonify({"message": "Resource not found"}), 404
 
     @app.errorhandler(400)
     def bad_request(error):
-        return ResponseHelper.bad_request()
+        return jsonify({"message": "Bad Request"}), 400
 
     @app.errorhandler(415)
     def unsupported_media_type(error):
-        return ResponseHelper.error(result_description="Unsupported Media Type", result_code="415")
+        return jsonify({"message": "Unsupported Media Type"}), 415

app/extensions.py

@@ -1,7 +1,5 @@
 from flask_sqlalchemy import SQLAlchemy
 from flask_migrate import Migrate
-from flask_mail import Mail
 
-mail = Mail()
 db = SQLAlchemy()
 migrate = Migrate()

app/models/__init__.py

@@ -3,14 +3,5 @@ from .account import Account
 from .loan import Loan
 from .transaction import Transaction
 from .repayment import Repayment
-from .loan_charge import LoanCharge
-from .offer import Offer
-from .charge import Charge
-from .rac_checks import RACCheck
-from .loan_repayment_schedule import LoanRepaymentSchedule
-from .transaction_offers import TransactionOffer
-from .repayments_data import RepaymentsData
-from .salary import Salary
 
-
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer', 'RepaymentsData', 'Salary']
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment']

app/models/account.py

@@ -2,7 +2,6 @@ from datetime import datetime, timezone
 from sqlalchemy.orm import relationship
 from app.extensions import db
 from sqlalchemy.exc import IntegrityError
-from sqlalchemy.sql import func
 
 class Account(db.Model):
     __tablename__ = 'accounts'
@@ -12,8 +11,8 @@ class Account(db.Model):
     account_type = db.Column(db.String(50))
     status = db.Column(db.String(20), default='active')
     lien_amount = db.Column(db.Float, default=0.0)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     customer = relationship(
         "Customer",
@@ -27,9 +26,7 @@ class Account(db.Model):
         account = cls(
             id=id,
             customer_id=customer_id,
-            account_type=account_type,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            account_type=account_type
         )
 
         try:
@@ -45,7 +42,7 @@ class Account(db.Model):
             return False
         if account.lien_amount > 0:
             return False
-        return account
+        return True
 
     def __repr__(self):
         return f'<Account {self.id}>'

app/models/charge.py

@@ -1,97 +0,0 @@
-from datetime import datetime, timezone, timedelta
-from app.extensions import db
-from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
-
-
-class Charge(db.Model):
-    __tablename__ = 'charges'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    offer_id = db.Column(db.String(50), nullable=False)
-    code = db.Column(db.String(50), nullable=False)
-    percent = db.Column(db.Float, default=0.0)
-    description = db.Column(db.Text, nullable=True)
-    due = db.Column(db.Integer, nullable=False)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    offer = relationship(
-        "Offer",
-        primaryjoin="Charge.offer_id == Offer.id",
-        foreign_keys=[offer_id],
-        back_populates="charges",
-    )
-
-    @classmethod
-    def add_charges(cls, offer_id, charges):
-        """
-        Add charges to an offer.
-
-        Args:
-            offer_id (int): ID of the offer to associate charges with.
-            charges (list): A list of dictionaries with keys:
-            code (str), amount (float), percent (float), description (str), due (int)
-        """
-        if not charges or not isinstance(charges, list):
-            raise ValueError("Charges must be a non-empty list of dictionaries")
-
-        if offer_id is None:
-            raise ValueError("offer_id cannot be None")
-
-        offer_charges = []
-       
-
-        for charge in charges:
-            code = charge.get("code")
-            percent = charge.get("percent", 0.0)
-            description = charge.get("description", "")
-            due_days = charge.get("due", 0)
-
-            existing = cls.query.filter_by(offer_id=offer_id, code=code).first()
-
-            if existing:
-                continue
-
-            charge_obj = cls(
-                offer_id = offer_id,
-                code = code,
-                percent = percent,
-                description = description,
-                due = due_days,
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
-            )
-
-            db.session.add(charge_obj)
-            offer_charges.append(charge_obj)
-
-        return offer_charges
-    
-    @classmethod
-    def get_offer_charges(cls, offer_id):
-        """
-        Get all charges for a particular offer as a dictionary
-
-        Args:
-            offer_id (str): The offer ID.
-        """
-        if not offer_id:
-            raise ValueError("offer_id not found")
-
-        charges = cls.query.filter_by(offer_id=offer_id).all()
-        
-        return charges
-
-
-    def to_dict(self):
-        return {
-            'id': self.id,
-            'offerId': self.offer_id,
-            'code': self.code,
-            'percent': self.percent,
-            'description': self.description,
-            'due': self.due
-        }
-
-    def __repr__(self):
-        return f"<Charge {self.id} - Offer {self.offer_id} - {self.code}>"

app/models/customer.py

@@ -1,12 +1,8 @@
 from datetime import datetime, timezone
 from sqlalchemy.orm import relationship
-#
-# from app.api.services.offer_analysis import logger
 from app.extensions import db
 from app.models.account import Account
 from sqlalchemy.exc import IntegrityError
-from sqlalchemy.sql import func
-# from app.utils.logger import logger
 
 class Customer(db.Model):
     __tablename__ = 'customers'
@@ -14,8 +10,9 @@ class Customer(db.Model):
     id = db.Column(db.String(50), primary_key=True) 
     msisdn = db.Column(db.String(20), unique=True, nullable=False)
     country_code = db.Column(db.String(3), nullable=False)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     accounts = relationship(
         "Account",
         primaryjoin="Customer.id == Account.customer_id",
@@ -30,37 +27,20 @@ class Customer(db.Model):
         back_populates="customer",
     )
 
-    transaction_offers = relationship(
-        "TransactionOffer",
-        primaryjoin="Customer.id == TransactionOffer.customer_id",
-        foreign_keys="TransactionOffer.customer_id",
-        back_populates="customer",
-    )
-
     @classmethod
     def is_valid_customer(cls, customer_id):
         customer = cls.query.filter_by(id=customer_id).first()
         if not customer:
             return False
-        return customer
+        return True
 
     @classmethod
     def create_customer(cls, id, msisdn, country_code, account_id, account_type='savings'):
         if cls.query.filter_by(id=id).first():
             raise ValueError("Customer already exists")
-        elif Account.query.filter_by(id=account_id).first():
-            raise ValueError("Account already exists")
-        elif cls.query.filter_by(msisdn=msisdn).first():
-            raise ValueError("msisdn already exists")
         
         # Create the customer
-        customer = cls(
-            id=id,
-            msisdn=msisdn,
-            country_code=country_code,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
-            )
+        customer = cls(id=id, msisdn=msisdn, country_code=country_code)
         try: 
             db.session.add(customer)
             
@@ -76,7 +56,7 @@ class Customer(db.Model):
         return customer
     
     @classmethod
-    def get_customer_with_loan_list(cls, customer_id):
+    def get_customer(cls, customer_id):
         """
         Get customer by  ID.
         """

app/models/loan.py

@@ -1,17 +1,10 @@
-from datetime import datetime, timezone, timedelta
-from itertools import product
+from datetime import datetime, timezone
 from app.extensions import db
 from app.models.customer import Customer
 from app.models.account import Account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy.orm import relationship
-from dateutil.relativedelta import relativedelta 
-from datetime import timedelta
-import logging
-from sqlalchemy import and_, or_, not_
-from sqlalchemy.sql import func
-
-logger = logging.getLogger(__name__)
+from app.models import Customer
 
 
 class Loan(db.Model):
@@ -23,33 +16,12 @@ class Loan(db.Model):
         autoincrement=True,
     )
     customer_id = db.Column(db.String(50), nullable=False)
-    transaction_id = db.Column(db.String(50), nullable=True)
-    original_transaction = db.Column(db.String(50), nullable=True)
     account_id = db.Column(db.String(50), nullable=False)
     offer_id = db.Column(db.String(20), nullable=False)
-    product_id = db.Column(db.String(20), nullable=True)
-    collection_type = db.Column(db.String(20), nullable=True) 
-    current_loan_amount = db.Column(db.Float, nullable=True)  
-    initial_loan_amount = db.Column(db.Float, nullable=False) 
-    default_penalty_fee = db.Column(db.Float, default=0)  
-    continuous_fee = db.Column(db.Float, default=0)
-    upfront_fee = db.Column(db.Float, nullable=True, default=0.0)
-    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
-    balance = db.Column(db.Float, nullable=True, default=0.0)
-    installment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    principal_amount = db.Column(db.Float, nullable=False)
     status = db.Column(db.String(20), default='pending')
-    tenor = db.Column(db.Integer, nullable=True)
-    due_date = db.Column(db.DateTime, nullable=True) 
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    eligible_amount = db.Column(db.Float, nullable=True, default=0.0)
-    disburse_date = db.Column(db.DateTime, nullable=True)
-    disburse_verify = db.Column(db.DateTime, nullable=True)
-    reference = db.Column(db.String(50), nullable=True)
-    disburse_result = db.Column(db.String(10), nullable=True)
-    disburse_description = db.Column(db.String(100), nullable=True)
-    verify_result = db.Column(db.String(10), nullable=True)
-    verify_description = db.Column(db.String(100), nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     customer = relationship(
         "Customer",
@@ -58,78 +30,36 @@ class Loan(db.Model):
         back_populates="loans",
     )
 
-    loan_charges = relationship(
-        "LoanCharge",
-        primaryjoin="LoanCharge.loan_id == Loan.id",
-        foreign_keys="LoanCharge.loan_id",
-        back_populates="loan",
-    )
-
-    loan_repayment_schedules = relationship(
-        "LoanRepaymentSchedule",
-        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
-        foreign_keys="LoanRepaymentSchedule.loan_id",
-        back_populates="loan",
-    )
-
-
     @classmethod
-    def create_loan(
-        cls,
-        customer_id,
-        account_id,
-        offer_id,
-        product_id,
-        initial_loan_amount,
-        collection_type,
-        transaction_id,
-        original_transaction,
-        upfront_fee,
-        repayment_amount,
-        installment_amount,
-        tenor,
-        eligible_amount,
-        reference,
-        status = "pending",
-    ):
-        # Check if customer exists
-        customer = Customer.is_valid_customer(customer_id)
-        if not customer:
-            raise ValueError("Customer does not exist")
+    def create_loan(cls, customer_id, account_id, offer_id, principal_amount, status='pending'):
+
+        # Check if customer exists
+        is_valid = Customer.is_valid_customer(customer_id)
+        if not is_valid:
+            raise ValueError("Customer does not exist")
+        
+        # # Check for active loans
+        # has_active_loans = cls.has_active_loans(customer_id)
+        # if has_active_loans:
+        #     raise ValueError("Customer has active loans")
 
-        now = datetime.now(timezone.utc)
-        due_date = now + timedelta(days=tenor)
 
         # Create and save the loan
         loan = cls(
-            customer_id = customer_id,
-            account_id = account_id,
-            offer_id = offer_id,
-            product_id = product_id,
-            collection_type = collection_type,
-            transaction_id = transaction_id,
-            original_transaction = original_transaction,
-            initial_loan_amount = initial_loan_amount,
-            current_loan_amount = initial_loan_amount,
-            upfront_fee = upfront_fee,
-            repayment_amount = repayment_amount,
-            balance = repayment_amount,
-            installment_amount = installment_amount,
-            due_date=due_date,
-            tenor = tenor,
-            status = status,
-            eligible_amount =eligible_amount,
-            reference = reference,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            customer_id=customer_id,
+            account_id=account_id,
+            offer_id=offer_id,
+            principal_amount=principal_amount,
+            status=status
         )
-        
+
         try:
             db.session.add(loan)
         except IntegrityError as err:
             raise ValueError(f"Database integrity error: {err}")
         return loan
 
+
     @classmethod
     def has_active_loans(cls, customer_id):
         active_loans = cls.query.filter_by(
@@ -145,61 +75,13 @@ class Loan(db.Model):
     @classmethod
     def get_customer_loan(cls, loan_id, customer_id):
         """
-        Get customer's active loans by loan_id.
+        Get customer's active loans.
         """
         loan = cls.query.filter_by(id = loan_id, customer_id = customer_id).first()
         if not loan:
             raise ValueError(f"Loan with ID {loan_id} does not exist or does not belong to customer {customer_id}.")        
         return loan
-
-    @classmethod
-    def get_customer_original_loan(cls, customer_id, original_transaction):
-        """
-        Get customer's original loan  offer.
-        """
-        original_loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.original_transaction==original_transaction, cls.transaction_id==original_transaction )).first()
-        if not original_loan:
-            return None
-
-        logger.info(f" get_customer_original_loan ==>>>>  {original_loan}")
-        return original_loan
-
-    @classmethod
-    def get_customer_last_loan(cls, customer_id):
-        """
-        Get customer's active loans.
-        """
-        logger.info(f"get_customer_last_loan [customer_id] ==>>>>  {customer_id}")
-        # loan = cls.query.filter_by( cls.customer_id == customer_id).first()
-        loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.status=='active')).first()
-
-        if not loan:
-            return None
-            # loan = {
-            #     "original_transaction":"",
-            #     "eligible_amount": 0,
-            #     "loan_amount": 0,
-            #     "customer_id": customer_id,
-            #     "transaction_id": "",
-            #     "resultDescription": "No Active Loan"
-            # }
-        logger.info(f" get_customer_last_loan ==>>>>  {loan}")
-        return loan
-
-    @classmethod
-    def get_active_loans_by_original_transaction(cls, original_transaction_id):
-        """
-        Get all active loans with the same original_transaction ID.
-        """
-
-        active_loans = cls.query.filter_by(
-        original_transaction=original_transaction_id,
-        # status='active'
-        ).all()
-
-        return active_loans
-
-
+    
     @classmethod
     def update_status(cls, loan_id, status):
         """
@@ -217,46 +99,19 @@ class Loan(db.Model):
         # Update loan status and the updated_at timestamp
         loan.status = status
 
-
-    @classmethod
-    def get_daily_loan_count(cls, customer_id, product_id):
-        """
-        Returns the count of loans created today for a customer.
-        """
-
-        start_of_day = datetime.now(timezone.utc).replace(hour=0, minute=0, second=0, microsecond=0)
-        end_of_day = start_of_day + timedelta(days=1)
-
-        return cls.query.filter_by(
-            customer_id=customer_id,
-            product_id=product_id,      
-            ).filter(
-            cls.created_at >= start_of_day,
-            cls.created_at < end_of_day
-        ).count()
-
-
     def to_dict(self):
         """
         Convert the Loan object to a dictionary format for JSON serialization.
         """
         return {
-            'debtId': self.id,
-            'transactionId': self.transaction_id,
-            'loanRef': self.reference,
-            'productId': self.product_id,
-            'initialLoanAmount': self.initial_loan_amount,
-            'currentLoanAmount': self.current_loan_amount,
-            'defaultPenaltyFee': self.default_penalty_fee,
-            'continuousFee': self.continuous_fee,
-            'collectionType': self.collection_type,
-            'upfrontFee': self.upfront_fee,
-            'repaymentAmount': self.repayment_amount,
-            'installmentAmount': self.installment_amount,
+            'id': self.id,
+            'customer_id': self.customer_id,
+            'account_id': self.account_id,
+            'offer_id': self.offer_id,
+            'principal_amount': self.principal_amount,
             'status': self.status,
-            'tenor': self.tenor,
-            'dueDate': self.due_date.isoformat() if self.due_date else None,
-            'loanDate': self.created_at.isoformat() if self.created_at else None,
+            'created_at': self.created_at.isoformat() if self.created_at else None,
+            'updated_at': self.updated_at.isoformat() if self.updated_at else None
         }
     
     def __repr__(self):

app/models/loan_charge.py

@@ -1,91 +0,0 @@
-from datetime import datetime, timezone, timedelta
-from app.extensions import db
-from sqlalchemy.orm import relationship
-from app.utils.logger import logger
-from sqlalchemy.sql import func
-
-
-class LoanCharge(db.Model):
-    __tablename__ = 'loan_charges'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    loan_id = db.Column(db.Integer, nullable=False)
-    transaction_id = db.Column(db.String(50), nullable=True)
-    code = db.Column(db.String(50), nullable=False) 
-    amount = db.Column(db.Float, default=0.0)
-    percent = db.Column(db.Float, default=0.0)
-    description = db.Column(db.Text, nullable=True)
-    due = db.Column(db.Integer, nullable=False)
-    due_date = db.Column(db.DateTime, nullable=True)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    loan = relationship(
-        "Loan",
-        primaryjoin="LoanCharge.loan_id == Loan.id",
-        foreign_keys=[loan_id],
-        back_populates="loan_charges",
-    )
-
-    @classmethod
-    def create_charges_for_loan(cls, loan_id, transaction_id, charges, referenced_amount = 0.0):
-        """
-        Create loan charges for a given loan.
-
-        Args:
-            loan_id (int): ID of the loan to associate charges with.
-            charges (list): A list of dictionaries with keys: 
-            code (str), amount (float), percent (float), description (str), due (int)
-        """
-        # if not charges or not isinstance(charges, list):
-        #     raise ValueError("Charges must be a non-empty list of dictionaries")
-        
-        if loan_id is None:
-            raise ValueError("loan_id cannot be None")
-
-        loan_charges = []
-        now = datetime.now(timezone.utc)
-
-
-        subset_keys = ['interest', 'management', 'insurance', 'vat']
-        for item in subset_keys:
-            charge =  charges[item]
-            due_days = charge['due_days'] #  getattr(charge, "due_days", 0)
-            amount =  charge['fee'] # getattr(charge, "fee", 0.0)
-            percent =  charge['rate'] # getattr(charge, "rate", 0.0)
-            code =  charge['code'] # getattr(charge, "code","")
-            description =  charge['description'] # getattr(charge, "description", "")
-
-            charge_obj = cls(
-                loan_id = loan_id,
-                transaction_id = transaction_id,
-                code = code,
-                amount = round(amount, 2),
-                percent = percent,
-                description = description,
-                due = due_days,
-                due_date = now + timedelta(days=due_days),
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
-            )
-
-            db.session.add(charge_obj)
-            loan_charges.append(charge_obj)
-
-        return loan_charges
-
-    
-
-    def to_dict(self):
-        return {
-            'id': self.id,
-            'loanId': self.loan_id,
-            'transactionId': self.transaction_id,
-            'code': self.code,
-            'amount': self.amount,
-            'percent': self.percent,
-            'description': self.description,
-            'due': self.due,
-        }
-
-    def __repr__(self):
-        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"

app/models/loan_repayment_schedule.py

@@ -1,72 +0,0 @@
-from datetime import datetime, timezone
-from app.extensions import db
-from sqlalchemy.orm import relationship
-from dateutil.relativedelta import relativedelta
-from sqlalchemy.sql import func
-
-class LoanRepaymentSchedule(db.Model):
-    __tablename__ = 'loan_repayment_schedules'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    loan_id = db.Column(db.Integer, nullable=False)
-    transaction_id = db.Column(db.String(50), nullable=True)
-    product_id = db.Column(db.String(20), nullable=True)
-    installment_number = db.Column(db.Integer, nullable=False)
-    due_date = db.Column(db.DateTime, nullable=False)
-    installment_amount= db.Column(db.Float, default=0.0)
-    total_repayment_amount = db.Column(db.Float, default=0.0)
-    paid = db.Column(db.Boolean, default=False)
-    paid_at = db.Column(db.DateTime, nullable=True)
-
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    loan = relationship(
-        "Loan",
-        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
-        foreign_keys=[loan_id],
-        back_populates="loan_repayment_schedules",
-    )
-
-
-    @classmethod
-    def add_repayment_schedule(cls, loan, num_schedules, transaction_id):
-        """
-        Add repayment schedules for a given loan.
-        """
-        now = datetime.now(timezone.utc)
-        schedules = []
-
-        for i in range(num_schedules):
-            due_date = now + relativedelta(months=i + 1)
-            schedule = LoanRepaymentSchedule(
-                loan_id=loan.id,
-                installment_number=i + 1,
-                due_date=due_date,
-                total_repayment_amount = round(loan.repayment_amount, 2),
-                installment_amount=round(loan.installment_amount, 2),
-                product_id = loan.product_id,
-                transaction_id = transaction_id,
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
-            )
-            
-            db.session.add(schedule)
-            schedules.append(schedule)
-
-        return schedules
-
-    def to_dict(self):
-        return {
-            'id': self.id,
-            'loanId': self.loan_id,
-            'installmentNumber': self.installment_number,
-            'dueDate': self.due_date.isoformat(),
-            'principalAmount': self.principal_amount,
-            'interestAmount': self.interest_amount,
-            'totalInstallment': self.total_installment,
-            'paid': self.paid,
-            'paidAt': self.paid_at.isoformat() if self.paid_at else None
-        }
-
-    def __repr__(self):
-        return f'<LoanRepaymentSchedule Loan:{self.loan_id} Installment:{self.installment_number}>'

app/models/offer.py

@@ -1,94 +1,16 @@
 from datetime import datetime, timezone
 from app.extensions import db
-from app.models.charge import Charge
-from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
 
 class Offer(db.Model):
     __tablename__ = 'offers'
 
-    id = db.Column(db.String(50), primary_key=True)
-    product_id = db.Column(db.String(50), nullable=False)
+    id = db.Column(db.Integer, primary_key=True)
+    product_id = db.Column(db.String, nullable=False)
     min_amount = db.Column(db.Float, nullable=False)
     max_amount = db.Column(db.Float, nullable=False)
     tenor = db.Column(db.Integer, nullable=False)
-    schedule = db.Column(db.Integer, nullable=True)
-    interest_rate = db.Column(db.Float, default=3.0)
-    management_rate = db.Column(db.Float, default=1.0)
-    insurance_rate = db.Column(db.Float, default=1.0)
-    vat_rate = db.Column(db.Float, default=7.5)
-    list_order = db.Column(db.Integer, nullable=True)
-    max_daily_loans = db.Column(db.Integer, nullable=True)
-    max_active_loans = db.Column(db.Integer, nullable=True)
-    max_life_loans = db.Column(db.Integer, nullable=True)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
-    charges = relationship(
-        "Charge",
-        primaryjoin="Offer.id == Charge.offer_id",
-        foreign_keys="Charge.offer_id",
-        back_populates="offer",
-    )
-
-    @classmethod
-    def get_all_offers(cls):
-        """
-        Return all offers in dictionary format.
-        """
-        offers = cls.query.all()
-
-        if not offers:
-            raise ValueError(f"No available offers")        
-        return offers
-    
-    @classmethod
-    def is_valid_offer(cls, offer_id):
-        offer = cls.query.filter_by(id=str(offer_id)).first()
-
-
-        if not offer:
-            return False
-        return offer
-
-    @classmethod
-    def get_offer_by_id(cls, offer_id):
-        """
-        Return an offer by its ID.
-        """
-        offer = cls.query.filter_by(id=str(offer_id)).first()
-
-        if not offer:
-            raise ValueError(f"Offer with ID {offer_id} not found")
-        return offer
-
-    @classmethod
-    def get_offer_by_product_id(cls, product_id):
-        """
-        Return an offer by its product ID.
-        """
-        offer = cls.query.filter_by(product_id=str(product_id)).first()
-
-        if not offer:
-            raise ValueError(f"Offer with Product ID {product_id} not found")
-        return offer
-    
-    def to_dict(self):
-        return {
-            "offerId": self.id,
-            "productId": self.product_id,
-            "minAmount": self.min_amount,
-            "maxAmount": self.max_amount,
-            "tenor": self.tenor,
-            "interest_rate": self.interest_rate,
-            "management_rate": self.management_rate,
-            "insurance_rate": self.insurance_rate,
-            "vat_rate": self.vat_rate,
-            "maxDailyLoans": self.max_daily_loans,
-            "maxActiveLoans": self.max_active_loans,
-            "maxLifeLoans": self.max_life_loans
-
-        }
-    
     def __repr__(self):
         return f'<LoanOffer {self.id}>'

app/models/rac_checks.py

@@ -1,88 +0,0 @@
-from datetime import datetime, timezone
-from app.extensions import db
-from sqlalchemy.orm import relationship
-from sqlalchemy.exc import IntegrityError
-from uuid import uuid4
-import json
-from sqlalchemy.types import JSON
-from sqlalchemy.sql import func
-
-class RACCheck(db.Model):
-    __tablename__ = 'rac_checks'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    transaction_id = db.Column(db.String(50), nullable=False)
-    customer_id = db.Column(db.String(50), nullable=False)
-    account_id = db.Column(db.String(50), nullable=False)
-    rac_response = db.Column(db.Text, nullable=False)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-
-
-    @property
-    def rac_response_data(self):
-        return json.loads(self.rac_response)
-
-    @rac_response_data.setter
-    def rac_response_data(self, value):
-        self.rac_response = json.dumps(value)
-
-
-    @classmethod
-    def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
-    
-
-        # Save the response
-        rac_check = cls(
-            customer_id = customer_id,
-            account_id = account_id,
-            transaction_id = transaction_id,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
-        )
-
-        rac_check.rac_response_data = data or {}
-        
-        try:
-            db.session.add(rac_check)
-        except IntegrityError as err:
-            raise ValueError(f"Database integrity error: {err}")
-        return rac_check
-
-
-    @classmethod
-    def get_all_rac_checks(cls):
-        """
-        Return all RAC checks in dictionary format.
-        """
-        rac_checks = cls.query.all()
-
-        if not rac_checks:
-            return None
-        return rac_checks
-    
-    @classmethod
-    def get_rac_check(cls, customer_id, account_id):
-        """
-        Return a RAC check by its ID.
-        """
-        rac_check = cls.query.filter_by( customer_id = customer_id,
-                    account_id = account_id,).first()
-
-        if not rac_check:
-            raise ValueError(f"RAC Check for customer not found")
-        return rac_check
-
-    def to_dict(self):
-        return {
-            "id": str(self.id),
-            "transactionId": str(self.transaction_id),
-            "customerId": self.customer_id,
-            "accountId": self.account_id,
-            "racResponse": self.rac_response_data,
-            "createdAt": self.created_at.isoformat(),
-            "updatedAt": self.updated_at.isoformat() if self.updated_at else None
-        }
-
-    def __repr__(self):
-        return f'<RACCheck {self.id}>'

app/models/repayment.py

@@ -4,7 +4,6 @@ from app.extensions import db
 from app.models.customer import Customer
 from app.models.loan import Loan
 from sqlalchemy.exc import IntegrityError
-from sqlalchemy.sql import func
 
 
 class Repayment(db.Model):
@@ -18,36 +17,29 @@ class Repayment(db.Model):
     loan_id = db.Column(db.String(50), nullable=False)
     customer_id = db.Column(db.String(50), nullable=False)
     product_id = db.Column(db.String(20), nullable=True)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    transaction_id = db.Column(db.String(50), nullable=True)
-    # repay_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
-    repay_date = db.Column(db.DateTime, nullable=True)
-    repay_result = db.Column(db.String(10), nullable=True)
-    repay_description = db.Column(db.String(100), nullable=True)
-    # verify_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
-    verify_date = db.Column(db.DateTime, nullable=True)
-    verify_result = db.Column(db.String(10), nullable=True)
-    verify_description = db.Column(db.String(100), nullable=True)
-    initiated_by = db.Column(db.String(50), nullable=True)
-    salary_amount = db.Column(db.Float, nullable=True, default=0.0)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     @classmethod
-    def create_repayment(cls, customer_id, loan, transaction_id):
+    def create_repayment(cls, customer_id, loan_id, product_id):
+
+
+        # Check customer exists
+        if not Customer.is_valid_customer(customer_id):
+            raise ValueError("Invalid customer")
+
+        # Check loan exists
+        loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
         
         # Check that the loan is active
-        if loan.status not in [LoanStatus.ACTIVE, LoanStatus.START_REPAY]:
+        if loan.status != LoanStatus.ACTIVE:
             raise ValueError(f"Repayment cannot be processed. Loan status: ({loan.status})")
         
 
         repayment = cls(
             customer_id=customer_id,
-            loan_id=loan.id,
-            product_id=loan.product_id,
-            transaction_id = transaction_id,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc),
-            initiated_by='USER_INITIATED'
+            loan_id=loan_id,
+            product_id=product_id,
         )
 
         try:
@@ -56,25 +48,6 @@ class Repayment(db.Model):
             raise ValueError(f"Database integrity error: {err}")
 
         return repayment
-    
-    def to_dict(self):
-        return {
-            "id": self.id,
-            "loan_id": self.loan_id,
-            "customer_id": self.customer_id,
-            "product_id": self.product_id,
-            "created_at": self.created_at.isoformat() if self.created_at else None,
-            "updated_at": self.updated_at.isoformat() if self.updated_at else None,
-            "transaction_id": self.transaction_id,
-            "repay_date": self.repay_date.isoformat() if self.repay_date else None,
-            "repay_result": self.repay_result,
-            "repay_description": self.repay_description,
-            "verify_date": self.verify_date.isoformat() if self.verify_date else None,
-            "verify_result": self.verify_result,
-            "verify_description": self.verify_description,
-            "initiated_by": self.initiated_by,
-            "salary_amount": self.salary_amount
-        }
 
     def __repr__(self):
         return f'<Repayment {self.id}>'

app/models/repayments_data.py

@@ -1,36 +0,0 @@
-from datetime import datetime, timezone
-from app.extensions import db
-
-
-class RepaymentsData(db.Model):
-    __tablename__ = "repayments_data"
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    transaction_id = db.Column(db.String(50), nullable=False)
-    fbn_transaction_id = db.Column(db.String(50), nullable=True)
-    customer_id = db.Column(db.String(50), nullable=True)
-    account_id = db.Column(db.String(50), nullable=True)
-    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
-    amount_collected = db.Column(db.Float, nullable=True, default=0.0)
-    added_date = db.Column(db.DateTime(timezone=True), default=datetime.now(timezone.utc), nullable=False)
-    response_code = db.Column(db.String(10), nullable=True)
-    response_descr = db.Column(db.String(255), nullable=True)
-    balance = db.Column(db.Float, nullable=True, default=0.0)
-
-    def to_dict(self):
-        return {
-            "id": self.id,
-            "transaction_id": self.transaction_id,
-            "fbn_transaction_id": self.fbn_transaction_id,
-            "customer_id": self.customer_id,
-            "account_id": self.account_id,
-            "repayment_amount": self.repayment_amount,
-            "amount_collected": self.amount_collected,
-            "added_date": self.added_date.isoformat() if self.added_date else None,
-            "response_code": self.response_code,
-            "response_descr": self.response_descr,
-            "balance": self.balance,
-        }
-
-    def __repr__(self):
-        return f"<RepaymentsData id={self.id}, transaction_id={self.transaction_id}>"

app/models/salary.py

@@ -1,31 +0,0 @@
-from datetime import datetime, timezone
-from app.extensions import db
-from sqlalchemy.sql import func
-
-class Salary(db.Model):
-    __tablename__ = 'salaries'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    customer_id = db.Column(db.String(50), nullable=False)
-    account_id = db.Column(db.String(50), nullable=True)
-    status = db.Column(db.String(20), default='active')
-    amount = db.Column(db.Float, nullable=False, default=0.0)
-    salary_date = db.Column(db.DateTime(timezone=False), server_default=func.now())
-    created_at = db.Column(db.DateTime(timezone=False), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=False), server_default=func.now(), onupdate=func.now())
-
-    def to_dict(self):
-        return {
-            "id": self.id,
-            "customer_id": self.customer_id,
-            "account_id": self.account_id,
-            "status": self.status,
-            "amount": self.amount,
-            "salary_date": self.salary_date.isoformat() if self.salary_date else None,
-            "created_at": self.created_at.isoformat() if self.created_at else None,
-            "updated_at": self.updated_at.isoformat() if self.updated_at else None
-        }
-
-    def __repr__(self):
-        return f'<Salary {self.id} - {self.amount}>'
-    

app/models/transaction.py

@@ -1,9 +1,7 @@
 from datetime import datetime, timezone
 from app.extensions import db
-from app.models import account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy import and_, or_, not_
-from sqlalchemy.sql import func
 
 class Transaction(db.Model):
     __tablename__ = 'transactions'
@@ -13,19 +11,18 @@ class Transaction(db.Model):
         autoincrement=True,
     )
     transaction_id = db.Column(db.String(50), nullable=False)
-    account_id = db.Column(db.String(50), nullable=True)
-    customer_id = db.Column(db.String(50), nullable=True)
+    ref_id = db.Column(db.String(50), nullable=False)
+    ref_model = db.Column(db.String(50), nullable=True, default='account')
     type = db.Column(db.String(50), nullable=False)
     channel = db.Column(db.String(50), nullable=False)
-    phone_number = db.Column(db.String(50), nullable=True)
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     def __repr__(self):
         return f'<Transaction {self.id}>'
 
     @classmethod
-    def create_transaction(cls, transaction_id, account_id, customer_id, type, channel):
+    def create_transaction(cls, transaction_id, ref_id, ref_model, type, channel):
 
         # if cls.query.filter_by(transaction_id=transaction_id).first():
         #     raise ValueError("Duplicate Transaction")
@@ -37,12 +34,10 @@ class Transaction(db.Model):
 
         transaction = cls(
             transaction_id = transaction_id,
-            customer_id = customer_id,
-            account_id = account_id,
+            ref_id = ref_id,
+            ref_model = ref_model,
             type = type,
-            channel = channel,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            channel = channel
         )
 
         try:

app/models/transaction_offers.py

@@ -1,115 +0,0 @@
-from datetime import datetime, timezone, timedelta
-from app.api.enums.loan_status import LoanStatus
-from app.extensions import db
-from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
-import logging
-logger = logging.getLogger(__name__)
-
-
-
-class TransactionOffer(db.Model):
-    __tablename__ = 'transaction_offers'
-
-    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
-    customer_id = db.Column(db.String(50), nullable=False)
-    transaction_id = db.Column(db.String(50), nullable=False)
-    original_transaction = db.Column(db.String(50), nullable=True)
-    offer_id = db.Column(db.String(20), nullable=False)
-    product_id = db.Column(db.String(20), nullable=True)
-    min_amount = db.Column(db.Float, nullable=False)
-    max_amount = db.Column(db.Float, nullable=False)
-    eligible_amount = db.Column(db.Float, nullable=True)
-    tenor = db.Column(db.Integer, nullable=True)  # tenor in months, typically
-
-    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
-    customer = relationship(
-        "Customer",
-        primaryjoin="Customer.id == TransactionOffer.customer_id",
-        foreign_keys=[customer_id],
-        back_populates="transaction_offers",
-    )
-
-    @classmethod
-    def is_valid_transaction_offer(cls, transaction_offer, customer_id, product_id):
-        transaction_offer = cls.query.filter_by(
-            id = transaction_offer,
-            customer_id = customer_id,
-            # product_id = product_id
-            # transaction_id = transaction_id,
-            ).first()
-
-
-        if not transaction_offer:
-            return False
-        return transaction_offer
-
-    @classmethod
-    def create_transaction_offer(cls, customer_id, transaction_id, original_transaction, offer_id, min_amount, max_amount, eligible_amount=None, product_id=None, tenor=None):
-        """
-        Class method to create and save a TransactionOffer.
-        """
-        transaction_offer = cls(
-            customer_id=customer_id,
-            transaction_id=transaction_id,
-            original_transaction=original_transaction,
-            offer_id=offer_id,
-            min_amount=min_amount,
-            max_amount=max_amount,
-            eligible_amount=eligible_amount,
-            product_id=product_id,
-            tenor=tenor,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
-        )
-
-        db.session.add(transaction_offer)
-        db.session.flush()
-
-        return transaction_offer
-    
-    @classmethod
-    def get_lifetime_loan_count(cls, customer_id):
-        """
-        Returns the total number of loans ever created for a customer.
-        """
-        return cls.query.filter_by(customer_id=customer_id).count()
-
-
-    @classmethod
-    def get_latest_transaction_offer(cls, customer_id):
-        """
-        Returns the most recent transaction offer for the given customer based on creation time.
-        """
-        return cls.query.filter_by(customer_id=customer_id) \
-            .order_by(cls.created_at.desc()) \
-            .first()
-    
-    @classmethod
-    def get_transaction_offer(cls, transaction_offer_id):
-        """
-        Returns a transaction offer by its ID.
-        """
-        return cls.query.get(transaction_offer_id)
-
-
-    
-
-    def to_dict(self):
-        return {
-            'id': self.id,
-            'customerId': self.customer_id,
-            'transactionId': self.transaction_id,
-            'offerId': self.offer_id,
-            'productId': self.product_id,
-            'minAmount': self.min_amount,
-            'maxAmount': self.max_amount,
-            'eligibleAmount': self.eligible_amount,
-            'tenor': self.tenor,
-            'createdAt': self.created_at.isoformat() if self.created_at else None,
-            'updatedAt': self.updated_at.isoformat() if self.updated_at else None,
-        }
-
-    def __repr__(self):
-        return f'<TransactionOffer {self.id}>'

app/swagger/schemas/LoanStatusRequest.json

@@ -1,6 +1,10 @@
 {
     "type": "object",
     "properties": {
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        },
         "transactionId": {
             "type": "string",
             "example": "Tr201712RK9232P115"
@@ -16,10 +20,6 @@
         "channel": {
             "type": "string",
             "example": "USSD"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
         }
     },
     "xml": {

app/swagger/schemas/LoanStatusResponse.json

@@ -47,26 +47,13 @@
                     "productId": {
                         "type": "string",
                         "example": "101"
-                    },
-                    "installment": {
-            "type": "array",
-            "items": {
-                "type": "object",
-                "properties": {
-                    "amount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 10000.0
-                    },
-                    "repaymentDate": {
-                        "type": "string",
-                        "example": "2025-04-24 10:31:"
                     }
                 }
             }
-        }
-                }
-            }
+        },
+        "totalDebtAmount": {
+            "type": "integer",
+            "example": 8500
         },
         "resultCode": {
             "type": "string",

app/swagger/schemas/ProvideLoanResponse.json

@@ -9,10 +9,6 @@
             "type": "string",
             "example": "Tr201712RK9232P115"
         },
-        "loanRef": {
-            "type": "string",
-            "example": "1620029887USSDAMPC"
-        },
         "customerId": {
             "type": "string",
             "example": "CN621868"

app/swagger/schemas/RepaymentRequest.json

@@ -9,6 +9,10 @@
             "type": "string",
             "example": "10"
         },
+        "productId": {
+            "type": "string",
+            "example": "101"
+        },
         "transactionId": {
             "type": "string",
             "example": "20171209232115"
@@ -17,13 +21,13 @@
             "type": "string",
             "example": "CID0000025585"
         },
-        "loanRef": {
-            "type": "string",
-            "example": "Trx5847365252USSD3MPC"
-        },
         "accountId": {
             "type": "string",
             "example": "ACN8263457"
+        },
+        "channel": {
+            "type": "string",
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/SelectOfferRequest.json

@@ -27,10 +27,6 @@
             "example": "ACN8263457"
         },
         "productId": {
-            "type": "string",
-            "example": "3MPC"
-        },
-        "offerId": {
             "type": "string",
             "example": "101"
         },

app/swagger/schemas/SelectOfferResponse.json

@@ -28,17 +28,13 @@
                     },
                     "productId": {
                         "type": "string",
-                        "example": "3MPC"
+                        "example": "2030"
                     },
                     "amount": {
                         "type": "number",
                         "format": "float",
                         "example": 10000.0
                     },
-                    "dueDate": {
-                        "type": "string",
-                        "example": "2025-04-24 10:31:"
-                    },
                     "upfrontPayment": {
                         "type": "number",
                         "format": "float",
@@ -49,11 +45,6 @@
                         "format": "float",
                         "example": 3.0
                     },
-                    "interestFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 3000.00
-                    },
                     "ManagementRate": {
                         "type": "number",
                         "format": "float",
@@ -84,7 +75,7 @@
                         "format": "float",
                         "example": 100.0
                     },
-                    "installmentRepaymentDates": {
+                    "recommendedRepaymentDates": {
                         "type": "array",
                         "items": {
                             "type": "string"

app/utils/mail.py

@@ -1,40 +0,0 @@
-from flask_mail import Message
-from flask import current_app
-from app.extensions import mail
-import pandas as pd
-from io import BytesIO
-
-def get_report_data():
-    """
-    Fetch and return loan summary data.
-    """
-    return [
-        {"Type": "Disbursement", "Count": 45},
-        {"Type": "Repayment", "Count": 32},
-    ]
-def send_report_email(report_data: list, recipients: list):
-    """
-    Sends an HTML + Excel report to the given email recipients.
-    """
-    df = pd.DataFrame(report_data)
-    output = BytesIO()
-    df.to_excel(output, index=False)
-    output.seek(0)
-
-    html_table = df.to_html(index=False, border=1)
-
-    msg = Message(
-        subject="Loan Report Summary",
-        recipients=recipients,
-        html=f"<h3>Loan Report Summary</h3>{html_table}",
-    )
-    msg.attach(
-        "loan_report.xlsx",
-        "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet",
-        output.read()
-    )
-
-    with current_app.app_context():
-        mail.send(msg)
-
-    return "Report email sent"

migrations/versions/05b5494ad406_.py

@@ -1,31 +0,0 @@
-"""empty message
-
-Revision ID: 05b5494ad406
-Revises: 33e09efd85e3
-Create Date: 2025-07-06 09:28:26.264927
-
-"""
-
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = "05b5494ad406"
-down_revision = "33e09efd85e3"
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.add_column("loans", sa.Column("balance", sa.Float(), nullable=True))
-
-
-# ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.drop_column("loans", "balance")
-    # ### end Alembic commands ###

migrations/versions/1340e7e578b9_migration_on_thu_apr_10_21_50_01_utc_.py

@@ -0,0 +1,32 @@
+"""Migration on Thu Apr 10 21:50:01 UTC 2025
+
+Revision ID: 1340e7e578b9
+Revises: b8f6fd76ead8
+Create Date: 2025-04-10 21:50:32.113149
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '1340e7e578b9'
+down_revision = 'b8f6fd76ead8'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('transactions', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('ref_model', sa.String(length=50), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('transactions', schema=None) as batch_op:
+        batch_op.drop_column('ref_model')
+
+    # ### end Alembic commands ###

migrations/versions/33e09efd85e3_.py

@@ -1,280 +0,0 @@
-"""empty message
-
-Revision ID: 33e09efd85e3
-Revises: 
-Create Date: 2025-07-03 14:07:14.424548
-
-"""
-from alembic import op
-import sqlalchemy as sa
-from sqlalchemy import literal_column
-from sqlalchemy import text
-
-
-# revision identifiers, used by Alembic.
-revision = '33e09efd85e3'
-down_revision = None
-branch_labels = None
-depends_on = None
-sequences_and_triggers = [
-    ("transactions", "transactions_seq", "trg_transactions_id"),
-    ("transaction_offers", "transaction_offers_seq", "trg_transaction_offers_id"),
-    ("salaries", "salaries_seq", "trg_salaries_id"),
-    ("repayments_data", "repayments_data_seq", "trg_repayments_data_id"),
-    ("repayments", "repayments_seq", "trg_repayments_id"),
-    ("rac_checks", "rac_checks_seq", "trg_rac_checks_id"),
-    ("loans", "loans_seq", "trg_loans_id"),
-    (
-        "loan_repayment_schedules",
-        "loan_repayment_schedules_seq",
-        "trg_loan_repayment_schedules_id",
-    ),
-    ("loan_charges", "loan_charges_seq", "trg_loan_charges_id"),
-    ("charges", "charges_seq", "trg_charges_id"),
-]
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('accounts',
-    sa.Column('id', sa.String(length=50), nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('account_type', sa.String(length=50), nullable=True),
-    sa.Column('status', sa.String(length=20), nullable=True),
-    sa.Column('lien_amount', sa.Float(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('charges',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('offer_id', sa.String(length=50), nullable=False),
-    sa.Column('code', sa.String(length=50), nullable=False),
-    sa.Column('percent', sa.Float(), nullable=True),
-    sa.Column('description', sa.Text(), nullable=True),
-    sa.Column('due', sa.Integer(), nullable=False),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('customers',
-    sa.Column('id', sa.String(length=50), nullable=False),
-    sa.Column('msisdn', sa.String(length=20), nullable=False),
-    sa.Column('country_code', sa.String(length=3), nullable=False),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id'),
-    sa.UniqueConstraint('msisdn')
-    )
-    op.create_table('loan_charges',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.Integer(), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('code', sa.String(length=50), nullable=False),
-    sa.Column('amount', sa.Float(), nullable=True),
-    sa.Column('percent', sa.Float(), nullable=True),
-    sa.Column('description', sa.Text(), nullable=True),
-    sa.Column('due', sa.Integer(), nullable=False),
-    sa.Column('due_date', sa.DateTime(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('loan_repayment_schedules',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.Integer(), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('installment_number', sa.Integer(), nullable=False),
-    sa.Column('due_date', sa.DateTime(), nullable=False),
-    sa.Column('installment_amount', sa.Float(), nullable=True),
-    sa.Column('total_repayment_amount', sa.Float(), nullable=True),
-    sa.Column('paid', sa.Boolean(), nullable=True),
-    sa.Column('paid_at', sa.DateTime(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('loans',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('original_transaction', sa.String(length=50), nullable=True),
-    sa.Column('account_id', sa.String(length=50), nullable=False),
-    sa.Column('offer_id', sa.String(length=20), nullable=False),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('collection_type', sa.String(length=20), nullable=True),
-    sa.Column('current_loan_amount', sa.Float(), nullable=True),
-    sa.Column('initial_loan_amount', sa.Float(), nullable=False),
-    sa.Column('default_penalty_fee', sa.Float(), nullable=True),
-    sa.Column('continuous_fee', sa.Float(), nullable=True),
-    sa.Column('upfront_fee', sa.Float(), nullable=True),
-    sa.Column('repayment_amount', sa.Float(), nullable=True),
-    sa.Column('installment_amount', sa.Float(), nullable=True),
-    sa.Column('status', sa.String(length=20), nullable=True),
-    sa.Column('tenor', sa.Integer(), nullable=True),
-    sa.Column('due_date', sa.DateTime(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('eligible_amount', sa.Float(), nullable=True),
-    sa.Column('disburse_date', sa.DateTime(), nullable=True),
-    sa.Column('disburse_verify', sa.DateTime(), nullable=True),
-    sa.Column('reference', sa.String(length=50), nullable=True),
-    sa.Column('disburse_result', sa.String(length=10), nullable=True),
-    sa.Column('disburse_description', sa.String(length=100), nullable=True),
-    sa.Column('verify_result', sa.String(length=10), nullable=True),
-    sa.Column('verify_description', sa.String(length=100), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('offers',
-    sa.Column('id', sa.String(length=50), nullable=False),
-    sa.Column('product_id', sa.String(length=50), nullable=False),
-    sa.Column('min_amount', sa.Float(), nullable=False),
-    sa.Column('max_amount', sa.Float(), nullable=False),
-    sa.Column('tenor', sa.Integer(), nullable=False),
-    sa.Column('schedule', sa.Integer(), nullable=True),
-    sa.Column('interest_rate', sa.Float(), nullable=True),
-    sa.Column('management_rate', sa.Float(), nullable=True),
-    sa.Column('insurance_rate', sa.Float(), nullable=True),
-    sa.Column('vat_rate', sa.Float(), nullable=True),
-    sa.Column('list_order', sa.Integer(), nullable=True),
-    sa.Column('max_daily_loans', sa.Integer(), nullable=True),
-    sa.Column('max_active_loans', sa.Integer(), nullable=True),
-    sa.Column('max_life_loans', sa.Integer(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('rac_checks',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('account_id', sa.String(length=50), nullable=False),
-    sa.Column('rac_response', sa.Text(), nullable=False),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('repayments',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.String(length=50), nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('repay_date', sa.DateTime(), nullable=True),
-    sa.Column('repay_result', sa.String(length=10), nullable=True),
-    sa.Column('repay_description', sa.String(length=100), nullable=True),
-    sa.Column('verify_date', sa.DateTime(), nullable=True),
-    sa.Column('verify_result', sa.String(length=10), nullable=True),
-    sa.Column('verify_description', sa.String(length=100), nullable=True),
-    sa.Column('initiated_by', sa.String(length=50), nullable=True),
-    sa.Column('salary_amount', sa.Float(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('repayments_data',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('fbn_transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('customer_id', sa.String(length=50), nullable=True),
-    sa.Column('account_id', sa.String(length=50), nullable=True),
-    sa.Column('repayment_amount', sa.Float(), nullable=True),
-    sa.Column('amount_collected', sa.Float(), nullable=True),
-    sa.Column('added_date', sa.DateTime(timezone=True), nullable=False),
-    sa.Column('response_code', sa.String(length=10), nullable=True),
-    sa.Column('response_descr', sa.String(length=255), nullable=True),
-    sa.Column('balance', sa.Float(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('salaries',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('account_id', sa.String(length=50), nullable=True),
-    sa.Column('status', sa.String(length=20), nullable=True),
-    sa.Column('amount', sa.Float(), nullable=False),
-    sa.Column('salary_date', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('created_at', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('transaction_offers',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('original_transaction', sa.String(length=50), nullable=True),
-    sa.Column('offer_id', sa.String(length=20), nullable=False),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('min_amount', sa.Float(), nullable=False),
-    sa.Column('max_amount', sa.Float(), nullable=False),
-    sa.Column('eligible_amount', sa.Float(), nullable=True),
-    sa.Column('tenor', sa.Integer(), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('transactions',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('account_id', sa.String(length=50), nullable=True),
-    sa.Column('customer_id', sa.String(length=50), nullable=True),
-    sa.Column('type', sa.String(length=50), nullable=False),
-    sa.Column('channel', sa.String(length=50), nullable=False),
-    sa.Column('phone_number', sa.String(length=50), nullable=True),
-    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-
-    for table, seq, trg in sequences_and_triggers:
-        op.execute(
-            text(
-                f"""
-                BEGIN
-                    EXECUTE IMMEDIATE 'CREATE SEQUENCE {seq} START WITH 1 INCREMENT BY 1 NOCACHE NOCYCLE';
-                EXCEPTION
-                    WHEN OTHERS THEN
-                        IF SQLCODE != -955 THEN RAISE; END IF;
-                END;
-                """
-            )
-        )
-
-        op.execute(
-            text(
-                f"""
-                CREATE OR REPLACE TRIGGER {trg}
-                BEFORE INSERT ON {table}
-                FOR EACH ROW
-                BEGIN
-                    IF ||':'||'NEW.id IS NULL THEN
-                        SELECT {seq}.NEXTVAL INTO '||':'||'NEW.id FROM dual;
-                    END IF;
-                END;
-                """
-            )
-        )
-
-
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.drop_table('transactions')
-    op.drop_table('transaction_offers')
-    op.drop_table('salaries')
-    op.drop_table('repayments_data')
-    op.drop_table('repayments')
-    op.drop_table('rac_checks')
-    op.drop_table('offers')
-    op.drop_table('loans')
-    op.drop_table('loan_repayment_schedules')
-    op.drop_table('loan_charges')
-    op.drop_table('customers')
-    op.drop_table('charges')
-    op.drop_table('accounts')
-    # ### end Alembic commands ###
-
-    for table, seq, trg in sequences_and_triggers:
-        op.execute(text(f"DROP TRIGGER {trg}"))
-        op.execute(text(f"DROP SEQUENCE {seq}"))

migrations/versions/b8f6fd76ead8_migration_on_thu_apr_10_16_21_45_utc_.py

@@ -0,0 +1,86 @@
+"""Migration on Thu Apr 10 16:21:45 UTC 2025
+
+Revision ID: b8f6fd76ead8
+Revises: 
+Create Date: 2025-04-10 16:22:15.946157
+
+"""
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy.dialects import postgresql
+
+# revision identifiers, used by Alembic.
+revision = 'b8f6fd76ead8'
+down_revision = None
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('repayments',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.alter_column('id',
+               existing_type=sa.VARCHAR(length=50),
+               type_=sa.Integer(),
+               existing_nullable=False,
+               autoincrement=True,
+               existing_server_default=sa.text("nextval('loan_id_seq'::regclass)"))
+
+    with op.batch_alter_table('transactions', schema=None) as batch_op:
+        batch_op.alter_column('channel',
+               existing_type=sa.VARCHAR(length=8),
+               type_=sa.String(length=50),
+               existing_nullable=False)
+        batch_op.alter_column('created_at',
+               existing_type=postgresql.TIMESTAMP(timezone=True),
+               type_=sa.DateTime(),
+               existing_nullable=True,
+               existing_server_default=sa.text('now()'))
+        batch_op.alter_column('updated_at',
+               existing_type=postgresql.TIMESTAMP(timezone=True),
+               type_=sa.DateTime(),
+               existing_nullable=True,
+               existing_server_default=sa.text('now()'))
+        batch_op.drop_constraint('transactions_id_key', type_='unique')
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('transactions', schema=None) as batch_op:
+        batch_op.create_unique_constraint('transactions_id_key', ['id'])
+        batch_op.alter_column('updated_at',
+               existing_type=sa.DateTime(),
+               type_=postgresql.TIMESTAMP(timezone=True),
+               existing_nullable=True,
+               existing_server_default=sa.text('now()'))
+        batch_op.alter_column('created_at',
+               existing_type=sa.DateTime(),
+               type_=postgresql.TIMESTAMP(timezone=True),
+               existing_nullable=True,
+               existing_server_default=sa.text('now()'))
+        batch_op.alter_column('channel',
+               existing_type=sa.String(length=50),
+               type_=sa.VARCHAR(length=8),
+               existing_nullable=False)
+
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.alter_column('id',
+               existing_type=sa.Integer(),
+               type_=sa.VARCHAR(length=50),
+               existing_nullable=False,
+               autoincrement=True,
+               existing_server_default=sa.text("nextval('loan_id_seq'::regclass)"))
+
+    op.drop_table('repayments')
+    # ### end Alembic commands ###

requirements.txt

@@ -6,7 +6,6 @@ flask-sqlalchemy
 flask-migrate
 psycopg2-binary
 alembic
-oracledb
 
 # Schema for validations
 Flask-Marshmallow==0.15.0
@@ -26,8 +25,7 @@ flask-swagger-ui
 python-dotenv
 
 # Requests
-httpx
-
+requests
 
 # JWT
 flask-jwt-extended
@@ -36,10 +34,3 @@ flask-jwt-extended
 # Kafka 
 confluent-kafka==1.9.2
 
-
-
-python-dateutil
-
-Flask-Mail==0.10.0
-pandas==2.1.3
-openpyxl==3.1.5

scripts/entrypoint.sh

@@ -1,8 +1,8 @@
 #!/bin/sh
 
-# echo "Running DB migrations..."
-# flask db migrate -m "Migration on $(date)"
-# flask db upgrade
+echo "Running DB migrations..."
+flask db migrate -m "Migration on $(date)"
+flask db upgrade
 
 echo "Starting Gunicorn server..."
 exec gunicorn -w 4 -b 0.0.0.0:5000 wsgi:wsgi_app

tests/jmeter/digifi-BankToProductCore.jmx

@@ -1,651 +0,0 @@
-<?xml version="1.0" encoding="UTF-8"?>
-<jmeterTestPlan version="1.2" properties="5.0" jmeter="5.6.3">
-  <hashTree>
-    <TestPlan guiclass="TestPlanGui" testclass="TestPlan" testname="Simbrella FirstAdvance API Test">
-      <boolProp name="TestPlan.tearDown_on_shutdown">true</boolProp>
-      <elementProp name="TestPlan.user_defined_variables" elementType="Arguments" guiclass="ArgumentsPanel" testclass="Arguments" testname="User Defined Variables">
-        <collectionProp name="Arguments.arguments">
-          <elementProp name="baseUrl" elementType="Argument">
-            <stringProp name="Argument.name">baseUrl</stringProp>
-            <stringProp name="Argument.value">http://localhost:4500</stringProp>
-            <stringProp name="Argument.metadata">=</stringProp>
-          </elementProp>
-          <elementProp name="username" elementType="Argument">
-            <stringProp name="Argument.name">username</stringProp>
-            <stringProp name="Argument.value">user</stringProp>
-            <stringProp name="Argument.metadata">=</stringProp>
-          </elementProp>
-          <elementProp name="password" elementType="Argument">
-            <stringProp name="Argument.name">password</stringProp>
-            <stringProp name="Argument.value">password</stringProp>
-            <stringProp name="Argument.metadata">=</stringProp>
-          </elementProp>
-        </collectionProp>
-      </elementProp>
-      <boolProp name="TestPlan.functional_mode">false</boolProp>
-      <boolProp name="TestPlan.serialize_threadgroups">false</boolProp>
-    </TestPlan>
-    <hashTree>
-      <ThreadGroup guiclass="ThreadGroupGui" testclass="ThreadGroup" testname="Authorizaton Thread Group">
-        <intProp name="ThreadGroup.num_threads">1</intProp>
-        <intProp name="ThreadGroup.ramp_time">1</intProp>
-        <boolProp name="ThreadGroup.same_user_on_next_iteration">true</boolProp>
-        <stringProp name="ThreadGroup.on_sample_error">stopthread</stringProp>
-        <elementProp name="ThreadGroup.main_controller" elementType="LoopController" guiclass="LoopControlPanel" testclass="LoopController" testname="Loop Controller">
-          <stringProp name="LoopController.loops">1</stringProp>
-          <boolProp name="LoopController.continue_forever">false</boolProp>
-        </elementProp>
-      </ThreadGroup>
-      <hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="1. Authorize" enabled="true">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/Authorize</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-	&quot;username&quot;:&quot;${username}&quot;,&#xd;
-	&quot;password&quot;:&quot;${password}&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Auth Token" enabled="true">
-            <stringProp name="JSONPostProcessor.referenceNames">access_token</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.data.access_token</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">1</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-            <stringProp name="Scope.variable"></stringProp>
-            <stringProp name="Sample.scope">all</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Auth Refresh Token" enabled="true">
-            <stringProp name="JSONPostProcessor.referenceNames">refresh_token</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.data.refresh_token</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">1</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-            <stringProp name="Scope.variable"></stringProp>
-            <stringProp name="Sample.scope">all</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <JSR223PostProcessor guiclass="TestBeanGUI" testclass="JSR223PostProcessor" testname="JSR223 PostProcessor" enabled="true">
-            <stringProp name="cacheKey">true</stringProp>
-            <stringProp name="filename"></stringProp>
-            <stringProp name="parameters"></stringProp>
-            <stringProp name="script">props.put(&quot;GLOBAL_ACCESS_TOKEN&quot;, vars.get(&quot;access_token&quot;));
-props.put(&quot;GLOBAL_REFRESH_TOKEN&quot;, vars.get(&quot;refresh_token&quot;));</stringProp>
-            <stringProp name="scriptLanguage">groovy</stringProp>
-          </JSR223PostProcessor>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <DebugSampler guiclass="TestBeanGUI" testclass="DebugSampler" testname="Debug Sampler" enabled="true">
-          <boolProp name="displayJMeterProperties">false</boolProp>
-          <boolProp name="displayJMeterVariables">true</boolProp>
-          <boolProp name="displaySystemProperties">false</boolProp>
-        </DebugSampler>
-        <hashTree/>
-        <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree" enabled="true">
-          <boolProp name="ResultCollector.error_logging">false</boolProp>
-          <objProp>
-            <name>saveConfig</name>
-            <value class="SampleSaveConfiguration">
-              <time>true</time>
-              <latency>true</latency>
-              <timestamp>true</timestamp>
-              <success>true</success>
-              <label>true</label>
-              <code>true</code>
-              <message>true</message>
-              <threadName>true</threadName>
-              <dataType>true</dataType>
-              <encoding>false</encoding>
-              <assertions>true</assertions>
-              <subresults>true</subresults>
-              <responseData>false</responseData>
-              <samplerData>false</samplerData>
-              <xml>false</xml>
-              <fieldNames>true</fieldNames>
-              <responseHeaders>false</responseHeaders>
-              <requestHeaders>false</requestHeaders>
-              <responseDataOnError>false</responseDataOnError>
-              <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
-              <assertionsResultsToSave>0</assertionsResultsToSave>
-              <bytes>true</bytes>
-              <sentBytes>true</sentBytes>
-              <url>true</url>
-              <threadCounts>true</threadCounts>
-              <idleTime>true</idleTime>
-              <connectTime>true</connectTime>
-            </value>
-          </objProp>
-          <stringProp name="filename"></stringProp>
-        </ResultCollector>
-        <hashTree/>
-      </hashTree>
-      <ThreadGroup guiclass="ThreadGroupGui" testclass="ThreadGroup" testname="API Test Thread Group">
-        <intProp name="ThreadGroup.num_threads">1</intProp>
-        <intProp name="ThreadGroup.ramp_time">1</intProp>
-        <boolProp name="ThreadGroup.same_user_on_next_iteration">true</boolProp>
-        <stringProp name="ThreadGroup.on_sample_error">continue</stringProp>
-        <elementProp name="ThreadGroup.main_controller" elementType="LoopController" guiclass="LoopControlPanel" testclass="LoopController" testname="Loop Controller">
-          <stringProp name="LoopController.loops">1</stringProp>
-          <boolProp name="LoopController.continue_forever">false</boolProp>
-        </elementProp>
-      </ThreadGroup>
-      <hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="2. Authorize Refresh" enabled="true">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/AuthorizeRefresh</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-&#xd;
-}&#xd;
-</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_REFRESH_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-          <JSR223PreProcessor guiclass="TestBeanGUI" testclass="JSR223PreProcessor" testname="JSR223 PreProcessor" enabled="true">
-            <stringProp name="scriptLanguage">groovy</stringProp>
-            <stringProp name="parameters"></stringProp>
-            <stringProp name="filename"></stringProp>
-            <stringProp name="cacheKey">true</stringProp>
-            <stringProp name="script">// Generate random IDs and store them in JMeter variables
-def transactionId = &quot;TR&quot; + org.apache.commons.lang3.RandomStringUtils.randomAlphanumeric(12)
-def customerId = &quot;CN&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
-def accountId = &quot;ACN&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
-def msisdn = &quot;809&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
-
-// Generate requestId: current timestamp + 6-digit random number
-def timestamp = new Date().format(&quot;yyyyMMddHHmmssSSS&quot;) // e.g., 20250414161243123
-def randomSuffix = org.apache.commons.lang3.RandomStringUtils.randomNumeric(6)
-def requestId = timestamp + randomSuffix
-
-vars.put(&quot;transactionId&quot;, transactionId)
-vars.put(&quot;customerId&quot;, customerId.toString())
-vars.put(&quot;accountId&quot;, accountId.toString())
-vars.put(&quot;msisdn&quot;, msisdn.toString())
-vars.put(&quot;requestId&quot;, requestId)
-</stringProp>
-          </JSR223PreProcessor>
-          <hashTree/>
-        </hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="3. Eligibility Check">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/EligibilityCheck</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
-	&quot;countryCode&quot;:&quot;NGR&quot;,&#xd;
-	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
-	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
-	&quot;channel&quot;:&quot;100&quot;,&#xd;
-	&quot;accountId&quot;:&quot;${accountId}&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Product  ID">
-            <stringProp name="JSONPostProcessor.referenceNames">productId</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.eligibleOffers[0].productId</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="4. Select Offer">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/SelectOffer</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-  &quot;requestId&quot;: &quot;${requestId}&quot;,&#xd;
-  &quot;transactionId&quot;: &quot;${transactionId}&quot;,&#xd;
-  &quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
-  &quot;msisdn&quot;: &quot;${msisdn}&quot;,&#xd;
-  &quot;requestedAmount&quot;: ${__Random(500000,1000000,)}.00,&#xd;
-  &quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
-  &quot;productId&quot;: &quot;${productId}&quot;,&#xd;
-  &quot;channel&quot;: &quot;100&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Offer  ID">
-            <stringProp name="JSONPostProcessor.referenceNames">offerId</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loan[0].offerId</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
-            <stringProp name="Sample.scope">all</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor -  Requested Amount" enabled="true">
-            <stringProp name="JSONPostProcessor.referenceNames">amount</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loan[0].amount</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">800</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-            <stringProp name="Sample.scope">all</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="5. Provide Loan">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/ProvideLoan</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-	&quot;requestId&quot;:&quot;${requestId}&quot;,&#xd;
-	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
-	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
-	&quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
-	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
-	&quot;requestedAmount&quot;:${amount},&#xd;
-	&quot;collectionType&quot;:1,&#xd;
-	&quot;offerId&quot;:&quot;${offerId}&quot;,&#xd;
-	&quot;channel&quot;:&quot;100&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="6. Loan Status" enabled="true">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/LoanStatus</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
-	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
-	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
-	&quot;channel&quot;:&quot;100&quot;,&#xd;
-	&quot;accountId&quot;:&quot;${accountId}&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor -  Debt Id" enabled="true">
-            <stringProp name="JSONPostProcessor.referenceNames">debtId</stringProp>
-            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loans[0].debtId</stringProp>
-            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
-            <stringProp name="JSONPostProcessor.defaultValues">800</stringProp>
-            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
-            <stringProp name="Sample.scope">all</stringProp>
-          </JSONPostProcessor>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="7. Repayment" enabled="true">
-          <stringProp name="HTTPSampler.domain">localhost</stringProp>
-          <stringProp name="HTTPSampler.port">4500</stringProp>
-          <stringProp name="HTTPSampler.protocol">http</stringProp>
-          <stringProp name="HTTPSampler.path">/Repayment</stringProp>
-          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
-          <stringProp name="HTTPSampler.method">POST</stringProp>
-          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
-          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
-          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
-            <collectionProp name="Arguments.arguments">
-              <elementProp name="" elementType="HTTPArgument">
-                <boolProp name="HTTPArgument.always_encode">false</boolProp>
-                <stringProp name="Argument.value">{&#xd;
-	&quot;debtId&quot;:&quot;${debtId}&quot;,&#xd;
-	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
-	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
-	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
-	&quot;channel&quot;:&quot;100&quot;,&#xd;
-	&quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
-  	&quot;productId&quot;: &quot;${productId}&quot;&#xd;
-}</stringProp>
-                <stringProp name="Argument.metadata">=</stringProp>
-              </elementProp>
-            </collectionProp>
-          </elementProp>
-        </HTTPSamplerProxy>
-        <hashTree>
-          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
-            <collectionProp name="HeaderManager.headers">
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Content-Type</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Accept</stringProp>
-                <stringProp name="Header.value">application/json</stringProp>
-              </elementProp>
-              <elementProp name="" elementType="Header">
-                <stringProp name="Header.name">Authorization</stringProp>
-                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
-              </elementProp>
-            </collectionProp>
-          </HeaderManager>
-          <hashTree/>
-          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
-            <collectionProp name="Asserion.test_strings"/>
-            <collectionProp name="Asserter.test_strings">
-              <stringProp name="49586">200</stringProp>
-            </collectionProp>
-            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
-            <boolProp name="Assertion.assume_success">false</boolProp>
-            <intProp name="Assertion.test_type">16</intProp>
-            <stringProp name="Assertion.custom_message"></stringProp>
-          </ResponseAssertion>
-          <hashTree/>
-        </hashTree>
-        <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree" enabled="true">
-          <boolProp name="ResultCollector.error_logging">false</boolProp>
-          <objProp>
-            <name>saveConfig</name>
-            <value class="SampleSaveConfiguration">
-              <time>true</time>
-              <latency>true</latency>
-              <timestamp>true</timestamp>
-              <success>true</success>
-              <label>true</label>
-              <code>true</code>
-              <message>true</message>
-              <threadName>true</threadName>
-              <dataType>true</dataType>
-              <encoding>false</encoding>
-              <assertions>true</assertions>
-              <subresults>true</subresults>
-              <responseData>false</responseData>
-              <samplerData>false</samplerData>
-              <xml>false</xml>
-              <fieldNames>true</fieldNames>
-              <responseHeaders>false</responseHeaders>
-              <requestHeaders>false</requestHeaders>
-              <responseDataOnError>false</responseDataOnError>
-              <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
-              <assertionsResultsToSave>0</assertionsResultsToSave>
-              <bytes>true</bytes>
-              <sentBytes>true</sentBytes>
-              <url>true</url>
-              <threadCounts>true</threadCounts>
-              <idleTime>true</idleTime>
-              <connectTime>true</connectTime>
-            </value>
-          </objProp>
-          <stringProp name="filename"></stringProp>
-        </ResultCollector>
-        <hashTree/>
-        <DebugSampler guiclass="TestBeanGUI" testclass="DebugSampler" testname="Debug Sampler" enabled="true">
-          <boolProp name="displayJMeterProperties">false</boolProp>
-          <boolProp name="displayJMeterVariables">true</boolProp>
-          <boolProp name="displaySystemProperties">false</boolProp>
-        </DebugSampler>
-        <hashTree/>
-      </hashTree>
-      <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree">
-        <boolProp name="ResultCollector.error_logging">false</boolProp>
-        <objProp>
-          <name>saveConfig</name>
-          <value class="SampleSaveConfiguration">
-            <time>true</time>
-            <latency>true</latency>
-            <timestamp>true</timestamp>
-            <success>true</success>
-            <label>true</label>
-            <code>true</code>
-            <message>true</message>
-            <threadName>true</threadName>
-            <dataType>true</dataType>
-            <encoding>false</encoding>
-            <assertions>true</assertions>
-            <subresults>true</subresults>
-            <responseData>false</responseData>
-            <samplerData>false</samplerData>
-            <xml>false</xml>
-            <fieldNames>true</fieldNames>
-            <responseHeaders>false</responseHeaders>
-            <requestHeaders>false</requestHeaders>
-            <responseDataOnError>false</responseDataOnError>
-            <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
-            <assertionsResultsToSave>0</assertionsResultsToSave>
-            <bytes>true</bytes>
-            <sentBytes>true</sentBytes>
-            <url>true</url>
-            <threadCounts>true</threadCounts>
-            <idleTime>true</idleTime>
-            <connectTime>true</connectTime>
-          </value>
-        </objProp>
-        <stringProp name="filename"></stringProp>
-      </ResultCollector>
-      <hashTree/>
-    </hashTree>
-  </hashTree>
-</jmeterTestPlan>