Update AuthorizeRefresh.json

.env.local.example

@@ -12,6 +12,7 @@ DATABASE_PASSWORD=FirstAdvance!
 DATABASE_HOST=dev-data.simbrellang.net
 DATABASE_PORT=10532
 DATABASE_NAME=firstadvancedev
+#SQLALCHEMY_DATABASE_URI_FULL="oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv"
 
 # DATABASE_HOST=10.20.30.60
 # DATABASE_USER=firstadvance

JUNK/send_report.py

@@ -0,0 +1,15 @@
+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)

SQL/sample-prod.env

@@ -0,0 +1,40 @@
+
+# Environment Variables ======================================================
+BASIC_AUTH_USERNAME=user
+BASIC_AUTH_PASSWORD=password
+SWAGGER_URL="/documentation"
+API_URL="/swagger.json"
+
+# Flask Configuration =========================================================
+FLASK_APP=wsgi.py
+FLASK_ENV=development
+APP_PORT=4500
+
+#Database Configuration =======================================================
+DATABASE_USER=FIRSTADVSTG
+DATABASE_PASSWORD=Pchanged_56789
+DATABASE_HOST=ig-x6-uat-scan
+DATABASE_PORT=1521
+DATABASE_NAME=FIRSTADVSTG
+DATABASE_SID=firstadv
+SQLALCHEMY_DATABASE_URI_FULL="oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv"
+
+# Event Bus =====================================================================
+KAFKA_BROKER="10.2.110.20:9082"
+
+#Bank Calls =====================================================================
+SIMBRELLA_BASE_URL="https://bank-emulator.dev.simbrellang.net"
+SIMBRELLA_APP_ID="app1"
+SIMBRELLA_API_KEY="testtest-api-key-12345"
+
+#Events Direct Location =========================================================
+EVENTS_SERVICE_BASE_URL="http://10.2.24.133:5000"
+ENDPOINT_DIRECT_LOAN="/autocall/direct/loan"
+ENDPOINT_DIRECT_REPAYMENT="/autocall/direct/repayment"
+
+#EVENTS_SERVICE_BASE_URL2="https://event-core.simbrellang.net"
+#EVENTS_SERVICE_BASE_URL="http://10.10.11.17:14700"
+
+
+
+

app/__init__.py

@@ -1,4 +1,5 @@
 from flask import Flask
+from flask_mail import Mail
 import os
 from flask_swagger_ui import get_swaggerui_blueprint
 from flask_cors import CORS
@@ -7,7 +8,7 @@ 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
+from app.extensions import db, migrate, mail
 from flask_jwt_extended import (
     JWTManager,
     jwt_required,
@@ -19,37 +20,44 @@ 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__)
+    try:
 
-    # Load configuration
-    app.config.from_object(Config)
+        app = Flask(__name__)
 
-    CORS(app)
+        # Load configuration
+        app.config.from_object(Config)
 
-    JWTManager(app)
-    CORS(app, supports_credentials=True) 
+        CORS(app)
 
-    # Swagger Doc
-    SWAGGER_URL = app.config.get("SWAGGER_URL")
-    API_URL = app.config.get("API_URL")
+        JWTManager(app)
+        CORS(app, supports_credentials=True)
 
-    # Register blueprints
-    app.register_blueprint(api)
+        # Swagger Doc
+        SWAGGER_URL = app.config.get("SWAGGER_URL")
+        API_URL = app.config.get("API_URL")
 
-    swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
-    app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
+        # Register blueprints
+        app.register_blueprint(api)
 
-    # Error Handlers
-    register_error_handlers(app)
+        swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
+        app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
 
-    from . import models
+        # Error Handlers
+        register_error_handlers(app)
 
-    # Database and Migrations
-    db.init_app(app)
+        from . import models
 
-    migrate.init_app(app, db)
+        # Initialize Flask-Mail
+        mail.init_app(app)
 
-    return app
+        # Database and Migrations
+        db.init_app(app)
+
+        migrate.init_app(app, db)
+
+        return app
+    except Exception as e:
+        print(f"An unexpected error occurred: {e}")

app/api/integrations/__init__.py

@@ -1,2 +1,3 @@
 from .simbrella import SimbrellaIntegration
-from .kafka import KafkaIntegration
+from .kafka import KafkaIntegration
+from .events_service import EventServiceIntegration

app/api/integrations/events_service.py

@@ -0,0 +1,69 @@
+import httpx
+from app.utils.logger import logger
+from app.config import settings
+
+
+class EventServiceIntegration:
+    BASE_URL = settings.SIMBRELLA_BASE_URL
+    EVENTS_SERVICE_BASE_URL = settings.EVENTS_SERVICE_BASE_URL
+    ENDPOINT_DIRECT_LOAN = settings.ENDPOINT_DIRECT_LOAN
+    ENDPOINT_DIRECT_REPAYMENT = settings.ENDPOINT_DIRECT_REPAYMENT
+
+    @staticmethod
+    def direct_loan(transaction_id: str):
+        """
+        Calls the Direct Loan endpoint
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}{EventServiceIntegration.ENDPOINT_DIRECT_LOAN}"
+        logger.info(f"Direct Loan URL: {url}")
+        payload = {"transactionId": str(transaction_id)}
+
+        headers = {
+            "Content-Type": "application/json"
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            logger.info(f"Loan Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Direct Loan API call failed: {str(e)}", exc_info=True)
+            raise
+
+    @staticmethod
+    def direct_repayment(transaction_id: str):
+        """
+        Calls the Direct Repayment endpoint
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}{EventServiceIntegration.ENDPOINT_DIRECT_REPAYMENT}"
+        logger.info(f"Direct Repayment URL: {url}")
+        payload = {"transactionId": str(transaction_id)}
+
+        headers = {
+            "Content-Type": "application/json",
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            logger.info(f"Repayment Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Direct Repayment API call failed: {str(e)}", exc_info=True)
+            raise
+
+
+    @staticmethod
+    def health_check():
+        """
+        Health check for Events Service
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}/health"
+        logger.info(f"Health Check URL: {url}")
+
+        try:
+            response = httpx.get(url, timeout=5.0)
+            logger.info(f"Health Check Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Health Check API call failed: {str(e)}", exc_info=True)
+            raise

app/api/routes/routes.py

@@ -1,3 +1,5 @@
+from sqlite3 import DatabaseError
+from app.api.integrations.events_service import EventServiceIntegration
 from flask import Blueprint, request, jsonify, send_from_directory
 from app.api.services import (
     EligibilityCheckService,
@@ -19,6 +21,9 @@ from flask_jwt_extended import (
     get_jwt_identity,
     create_refresh_token,
 )
+from sqlalchemy import text
+from app.extensions import db
+from app.config import settings
 
 
 api = Blueprint("api", __name__)
@@ -113,11 +118,61 @@ def notification_callback():
     response = NotificationCallbackService.process_request(data)
     return response
 
-
 # Health Check Endpoint
 @api.route("/health", methods=["GET"])
 def health_check():
-    return {"status": "ok"}, 200
+    SQLALCHEMY_DATABASE_URI = settings.SQLALCHEMY_DATABASE_URI
+    response = {}
+    db_status = "Connection Successful"
+    events_service_status = "Connection Successful"
+    errors = []
+    status = "ok"
+
+
+    # Extract the database URI
+    try:
+        db_uri = db.engine.url.render_as_string(hide_password=False)
+        db_uri =  db_uri
+    except Exception as e:
+        db_uri = "Unavailable"
+
+
+    # Check database connection
+    try:
+        logger.info(f"Database Health == : {SQLALCHEMY_DATABASE_URI}")
+        db.session.execute(text("SELECT 1"))
+    except Exception as e:
+        db_status = "Connection Failed"
+        errors.append(f"Database Error: {str(e)}")
+        status = "failed"
+
+
+    # Check Events Service health
+    try:
+        events_service_response = EventServiceIntegration.health_check()
+
+        if events_service_response.status_code != 200:
+            events_service_status = "Connection Failed"
+            status = "failed"
+            errors.append(f"Events Service response: {events_service_response.text}")
+
+
+    except Exception as e:
+        events_service_status = "Connection Successful"
+        status = "failed"
+        errors.append(f"Events Service connection failed: {str(e)}")
+
+
+    response = {
+        "status": status,
+        "db_status": db_status,
+        "events_service_status": events_service_status,
+        "db_uri": db_uri,
+        "errors": errors or None
+    }
+
+
+    return jsonify(response), 200 if status == "ok" else 500
 
 
 # Authorize endpoint

app/api/services/base_service.py

@@ -4,6 +4,7 @@ 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__)
 
@@ -173,3 +174,6 @@ class BaseService:
        # 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/offer_analysis.py

@@ -87,13 +87,10 @@ class OfferAnalysis:
 
 
         if failed_true_rules or failed_false_rules or not salaries:
-            if failed_true_rules:
-                logger.warning(f"RAC analysis failed: TRUE rules failed: {failed_true_rules}")
-            if failed_false_rules:
-                logger.warning(f"RAC analysis failed: FALSE rules failed: {failed_false_rules}")
-            if not salaries:
-                logger.warning("RAC analysis failed: No salary records found in RAC response.")
-            raise ValueError("RAC analysis failed")
+            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")
         
 
 
@@ -185,6 +182,10 @@ class OfferAnalysis:
                     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.")
 
+                # if real_eligible_amount < 100:
+                #     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,
@@ -226,6 +227,9 @@ class OfferAnalysis:
                     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.")
 
+            # if approved_amount < 100:
+            #         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,

app/api/services/provide_loan.py

@@ -13,9 +13,11 @@ from app.api.enums import LoanStatus
 from app.extensions import db
 from datetime import datetime, timezone
 from dateutil.relativedelta import relativedelta
+from app.api.integrations import EventServiceIntegration
 from app.models import LoanRepaymentSchedule 
 from app.api.services.offer_analysis import OfferAnalysis
 from app.api.helpers.response_helper import ResponseHelper
+from datetime import datetime, timezone, timedelta
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -157,26 +159,36 @@ class ProvideLoanService(BaseService):
 
                     loan_charges = LoanCharge.create_charges_for_loan(loan_id = loan_id, transaction_id = transaction_id, referenced_amount = 800, charges = charges)
 
-
                     
                 else: 
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
-                
-            
+
+                charge_schedule_items = ProvideLoanService.get_charge_schedule_items(
+                    loan_charges=loan_charges,
+                    offer=offer,
+                    loan_ref=loan_ref,
+                    amount=amount
+                    )
+               
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
                     "loanRef": loan_ref,
                     "customerId": customer_id,
                     "accountId": account_id,
-                    "msisdn": customer.msisdn
+                    "msisdn": customer.msisdn,
+                    "schedule": charge_schedule_items,
                     }
+                
+
+                event_thread = Thread(target=ProvideLoanService.trigger_loan_disbursement, args=(transaction_id,))
+                event_thread.start()
 
                 # 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()
+                kafka_thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
+                kafka_thread.start()
 
                 db.session.commit()
                 return ResponseHelper.success(data=response_data)
@@ -195,4 +207,42 @@ class ProvideLoanService(BaseService):
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return ResponseHelper.internal_server_error()
+        
+    @classmethod
+    def trigger_loan_disbursement(cls, transaction_id: str):
+        response = EventServiceIntegration.direct_loan(transaction_id=transaction_id)
+        return response
+    
+    @classmethod
+    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount):
+        now = datetime.now(timezone.utc)
+        due_date = now + timedelta(days=offer.tenor)
+
+        charge_schedule_items = []
+        
+        charge_schedule_items.append({
+                "id": 1,
+                "dueDate": due_date.isoformat(),
+                "amountDue": amount,
+                "componentName": "PRINCIPAL",
+                "startDate": now.isoformat(),
+        })
+        
+        for idx, charge in enumerate(loan_charges, start=len(charge_schedule_items) + 1):
+            item = {
+                "id": idx,
+                "dueDate": charge.due_date.isoformat(),
+                "amountDue": float(charge.amount),
+                "componentName": charge.code.upper(),  # e.g. INTEREST, MGMT_FEE, VAT_FEE
+                "startDate": charge.created_at.isoformat(),
+            }
+
+            if charge.code.upper() == "INTEREST":
+                item["loanRef"] = loan_ref
+
+            charge_schedule_items.append(item)
+
+        return charge_schedule_items
+
+

app/api/services/repayment.py

@@ -11,6 +11,7 @@ from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType 
 from threading import Thread
 from app.extensions import db
+from app.api.integrations import EventServiceIntegration
 
 class RepaymentService(BaseService):
     TRANSACTION_TYPE = TransactionType.REPAYMENT 
@@ -79,9 +80,12 @@ class RepaymentService(BaseService):
                     "debtId": loan_id
                 }
 
+                event_thread = Thread(target=RepaymentService.trigger_loan_repayment, args=(transaction_id,))
+                event_thread.start()
+
                 # Call Kafka in a background thread
-                thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
-                thread.start()
+                kafka_thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
+                kafka_thread.start()
 
                 db.session.commit()
                 return ResponseHelper.success(data=response_data)
@@ -101,3 +105,10 @@ class RepaymentService(BaseService):
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
             return ResponseHelper.internal_server_error()
+
+
+    @classmethod
+    def trigger_loan_repayment(cls, transaction_id: str):
+        response = EventServiceIntegration.direct_repayment(transaction_id=transaction_id)
+        return response
+    

app/config.py

@@ -24,7 +24,10 @@ class Config:
     # 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}")
+    SQLALCHEMY_DATABASE_URI_INTERNAL = (f"oracle+oracledb://{DATABASE_USER}:{DATABASE_PASSWORD}@{DNS}")
+    SQLALCHEMY_DATABASE_URI = os.getenv("SQLALCHEMY_DATABASE_URI_FULL", SQLALCHEMY_DATABASE_URI_INTERNAL)
+
+    #SQLALCHEMY_DATABASE_URI_FULL = 'oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv'
 
     SQLALCHEMY_TRACK_MODIFICATIONS = False
 
@@ -43,6 +46,10 @@ class Config:
     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")
+    EVENTS_SERVICE_BASE_URL = os.getenv("EVENTS_SERVICE_BASE_URL","https://event-core.simbrellang.net")
+    ENDPOINT_DIRECT_LOAN = os.getenv("ENDPOINT_DIRECT_LOAN","/autocall/direct/loan")
+    ENDPOINT_DIRECT_REPAYMENT = os.getenv("ENDPOINT_DIRECT_REPAYMENT","/autocall/direct/repayment")
+
 
     RAC_RESULT_accountStatus = os.environ.get("RAC_RESULT_accountStatus", "true")
     RAC_RESULT_bvnValidated = os.environ.get("RAC_RESULT_bvnValidated", "true")
@@ -85,7 +92,15 @@ class Config:
         "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')
+   
 
 
 settings = Config()

app/extensions.py

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

app/models/loan_repayment_schedule.py

@@ -17,6 +17,11 @@ class LoanRepaymentSchedule(db.Model):
     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)
+    due_process_date = db.Column(db.DateTime, nullable=True)
+    due_process_count = db.Column(db.Integer, default=0)
+    paid_status = db.Column(db.String(20), nullable=True)
+    repay_description = db.Column(db.String(255), nullable=True)
+    partial_balance = 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())

app/swagger/digifi_swagger.json

@@ -20,12 +20,15 @@
     {
       "url": "http://api.dev.simbrellang.net:4500"
     },
-        {
+    {
       "url": "https://api.dev.simbrellang.net"
+    },
+    {
+      "url": "http://10.2.249.133:4500"
     }
   ],
   "tags": [
-      {
+    {
       "name": "Authorize",
       "description": "This feature will be used for authorizing customers.",
       "externalDocs": {
@@ -80,6 +83,10 @@
         "description": "Find out more",
         "url": "https://www.simbrellang.net"
       }
+    },
+    {
+      "name": "Health",
+      "description": "System health check including DB status."
     }
   ],
   "paths": {
@@ -103,6 +110,41 @@
     },
     "/Repayment": {
       "$ref": "swagger/paths/Repayment.json"
+    },
+    "/health": {
+      "get": {
+        "tags": ["Health"],
+        "summary": "Health Check",
+        "description": "Returns service health information including DB connection status.",
+        "responses": {
+          "200": {
+            "description": "Health check successful",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Successful",
+                  "events_service_status": "healthy",
+                  "error": []
+                }
+              }
+            }
+          },
+          "500": {
+            "description": "Health check failed",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Failed",
+                  "events_service_status": "unhealthy",
+                  "error":["could not connect to server: Connection refused"]
+                }
+              }
+            }
+          }
+        }
+      }
     }
   },
   "components": {
@@ -131,18 +173,6 @@
       "RepaymentResponse": {
         "$ref": "swagger/schemas/RepaymentResponse.json"
       },
-      "CustomerConsentRequest": {
-        "$ref": "swagger/schemas/CustomerConsentRequest.json"
-      },
-      "CustomerConsentResponse": {
-        "$ref": "swagger/schemas/CustomerConsentResponse.json"
-      },
-      "NotificationCallbackRequest": {
-        "$ref": "swagger/schemas/NotificationCallbackRequest.json"
-      },
-      "NotificationCallbackResponse": {
-        "$ref": "swagger/schemas/NotificationCallbackResponse.json"
-      },
       "ApiResponse": {
         "$ref": "swagger/schemas/ApiResponse.json"
       },

app/swagger/paths/AuthorizeRefresh.json

@@ -1,6 +1,6 @@
 {
   "post": {
-    "tags": ["Authorize Refresh"],
+    "tags": ["AuthorizeRefresh"],
     "summary": "Customer Authorize Refresh Request",
     "description": "Customer Authorize Refresh Request",
     "operationId": "AuthorizeRefresh",

app/swagger/paths/CustomerConsent.json

@@ -1,56 +0,0 @@
-{
-    "post": {
-      "tags": [
-        "CustomerConsent"
-      ],
-      "summary": "Customer Consent Request",
-      "description": "Customer Consent Request",
-      "operationId": "CustomerConsent",
-      "requestBody": {
-        "required": true,
-        "content": {
-          "application/json": {
-            "schema": {
-              "$ref": "../schemas/CustomerConsentRequest.json"
-            }
-          },
-          "application/xml": {
-            "schema": {
-              "$ref": "../schemas/CustomerConsentRequest.json"
-            }
-          },
-          "application/x-www-form-urlencoded": {
-            "schema": {
-              "$ref": "../schemas/CustomerConsentRequest.json"
-            }
-          }
-        }
-      },
-      "responses": {
-        "200": {
-          "description": "Successful",
-          "content": {
-            "application/json": {
-              "schema": {
-                "$ref": "../schemas/CustomerConsentResponse.json"
-                }
-            },
-            "application/xml": {
-              "schema": {
-                "$ref": "../schemas/CustomerConsentResponse.json"
-              }
-            }
-          }
-        },
-        "400": {
-          "description": "Invalid request"
-        },
-        "422": {
-          "description": "Validation exception"
-        },
-        "500": {
-          "description": "Internal server error"
-        }
-      }
-    }
-  }

app/swagger/paths/NotificationCallback.json

@@ -1,57 +0,0 @@
-{
-    "post": {
-      "tags": [
-        "NotificationCallback"
-      ],
-      "summary": "Loan Information Request ",
-      "description": "Loan Information Request",
-      "operationId": "NotificationCallback",
-      "requestBody": {
-        "description": "Post JSON to conduct eligibility tests",
-        "content": {
-          "application/json": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          },
-          "application/xml": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          },
-          "application/x-www-form-urlencoded": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          }
-        },
-        "required": true
-      },
-      "responses": {
-        "200": {
-          "description": "Successful operation",
-          "content": {
-            "application/json": {
-              "schema": {
-                "$ref": "../schemas/NotificationCallbackResponse.json"
-              }
-            },
-            "application/xml": {
-              "schema": {
-                "$ref": "../schemas/NotificationCallbackResponse.json"
-              }
-            }
-          }
-        },
-       "400": {
-          "description": "Invalid request"
-        },
-        "422": {
-          "description": "Validation exception"
-        },
-        "500": {
-          "description": "Internal server error"
-        }
-      }
-    }
-  }

app/swagger/schemas/CustomerConsentRequest.json

@@ -1,37 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "type": {
-            "type": "string",
-            "example": "CustomerConsentRequest"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "20171209232177"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "requestTime": {
-            "type": "string",
-            "format": "date-time",
-            "example": "2019-10-18 14:26:21.063"
-        },
-        "consentType": {
-            "type": "string",
-            "example": "Revoke"
-        },
-        "channel": {
-            "type": "string",
-            "example": "USSD"
-        }
-    },
-    "xml": {
-        "name": "CustomerConsentRequest"
-    }
-}

app/swagger/schemas/CustomerConsentResponse.json

@@ -1,16 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Request is received"
-        }
-    },
-    "xml": {
-        "name": "CustomerConsentResponse"
-    }
-}

app/swagger/schemas/EligibilityCheckRequest.json

@@ -3,7 +3,7 @@
     "properties": {
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRX201712RK9232P115"
         },
         "countryCode": {
             "type": "string",
@@ -11,19 +11,19 @@
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "8093451342"
-        },
-        "channel": {
-            "type": "string",
-            "example": "100"
+            "example": "5268548"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "4348094226"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "2348093451342"
+        },
+        "channel": {
+            "type": "string",
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/EligibilityCheckResponse.json

@@ -3,19 +3,19 @@
     "properties": {
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "5268548"
         },
         "transactionId": {
             "type": "string",
-            "example": "TX12345"
+            "example": "TRX201712RK9232P115"
         },
         "countryCode": {
             "type": "string",
-            "example": "NG"
+            "example": "NGR"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "eligibleOffers": {
             "type": "array",
@@ -24,42 +24,42 @@
                 "properties": {
                     "offerId": {
                         "type": "string",
-                        "example": "Offer1"
+                        "example": "SAL90000204"
                     },
                     "productId": {
                         "type": "string",
-                        "example": "Product1"
+                        "example": "3MPC"
                     },
                     "minAamount": {
                         "type": "number",
                         "format": "decimal",
-                        "example": 100.00
+                        "example": 20000.00
                     },
                     "maxAamount": {
                         "type": "number",
                         "format": "decimal",
-                        "example": 1000.00
+                        "example": 31257.00
                     },
                     "tenor": {
                         "type": "integer",
-                        "example": 12
+                        "example": 90
                     }
                 }
             },
             "example": [
-                {
-                    "offerId": "Offer1",
-                    "productId": "Product1",
-                    "minAamount": 100.00,
-                    "maxAamount": 1000.00,
-                    "tenor": 12
+                 {
+                    "max_amount": "31257.00",
+                    "min_amount": 20000.0,
+                    "offerId": "SAL90000204",
+                    "product_id": "3MPC",
+                    "tenor": 90
                 },
                 {
-                    "offerId": "Offer2",
-                    "productId": "Product2",
-                    "minAamount": 200.00,
-                    "maxAamount": 2000.00,
-                    "tenor": 24
+                    "max_amount": "20838.00",
+                    "min_amount": 5000.0,
+                    "offerId": "SAL30000205",
+                    "product_id": "AMPC",
+                    "tenor": 30
                 }
             ]
         },

app/swagger/schemas/LoanStatusRequest.json

@@ -3,15 +3,15 @@
     "properties": {
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "ZX48440946"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "channel": {
             "type": "string",
@@ -19,7 +19,7 @@
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         }
     },
     "xml": {

app/swagger/schemas/LoanStatusResponse.json

@@ -1,83 +1,110 @@
 {
-    "type": "object",
-    "properties": {
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "Tr201712RK9232P115"
-        },
-        "loans": {
-            "type": "array",
-            "items": {
-                "type": "object",
-                "properties": {
-                    "debtId": {
-                        "type": "string",
-                        "example": "123456789"
-                    },
-                    "loanDate": {
-                        "type": "string",
-                        "format": "date-time",
-                        "example": "2019-10-18 14:26:21.063"
-                    },
-                    "dueDate": {
-                        "type": "string",
-                        "format": "date-time",
-                        "example": "2019-11-20 14:26:21.063"
-                    },
-                    "currentLoanAmount": {
-                        "type": "integer",
-                        "example": 8500
-                    },
-                    "initialLoanAmount": {
-                        "type": "integer",
-                        "example": 10000
-                    },
-                    "defaultPenaltyFee": {
-                        "type": "integer",
-                        "example": 0
-                    },
-                    "continuousFee": {
-                        "type": "integer",
-                        "example": 0
-                    },
-                    "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:"
-                    }
-                }
-            }
-        }
-                }
-            }
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
     },
-    "xml": {
-        "name": "LoanStatusResponse"
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC49381378037"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "loans": {
+      "type": "array",
+      "items": {
+        "type": "object",
+        "properties": {
+          "debtId": {
+            "type": "integer",
+            "example": 80
+          },
+          "loanDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-09-12T11:58:58"
+          },
+          "dueDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-12-11T11:58:58"
+          },
+          "currentLoanAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "initialLoanAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "defaultPenaltyFee": {
+            "type": "number",
+            "format": "float",
+            "example": 0.0
+          },
+          "continuousFee": {
+            "type": "number",
+            "format": "float",
+            "example": 0.0
+          },
+          "productId": {
+            "type": "string",
+            "example": "3MPC"
+          },
+          "installmentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 10900.0
+          },
+          "repaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 32700.0
+          },
+          "loanRef": {
+            "type": "string",
+            "example": "TRCVIC73089465966USSD3MPC"
+          },
+          "status": {
+            "type": "string",
+            "example": "active"
+          },
+          "tenor": {
+            "type": "integer",
+            "example": 90
+          },
+          "transactionId": {
+            "type": "string",
+            "example": "TRCVIC73089465966"
+          },
+          "upfrontFee": {
+            "type": "number",
+            "format": "float",
+            "example": 622.5
+          }
+        }
+      }
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
+    },
+    "totalDebtAmount": {
+      "type": "number",
+      "format": "float",
+      "example": 30000.0
     }
-}
+  },
+  "xml": {
+    "name": "LoanStatusResponse"
+  }
+}

app/swagger/schemas/NotificationCallbackRequest.json

@@ -1,50 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "fbnTransactionId": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "debtId": {
-            "type": "string",
-            "example": "987654321"
-        },
-        "transactionType": {
-            "type": "string",
-            "example": "Disbursement"
-        },
-        "amountProvided": {
-            "type": "number",
-            "format": "float",
-            "example": 1000.00
-        },
-        "amountCollected": {
-            "type": "number",
-            "format": "float",
-            "example": 0.00
-        },
-        "responseCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "responseDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
-    },
-    "xml": {
-        "name": "NotificationCallbackRequest"
-    }
-}

app/swagger/schemas/NotificationCallbackResponse.json

@@ -1,16 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
-    },
-    "xml": {
-        "name": "NotificationCallbackResponse"
-    }
-}

app/swagger/schemas/ProvideLoanRequest.json

@@ -3,40 +3,40 @@
     "properties": {
         "requestId": {
             "type": "string",
-            "example": "202111170001371256908"
+            "example": "RQID11170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "ZX48440946"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "requestedAmount": {
             "type": "number",
             "format": "decimal",
-            "example": 900
+            "example": 20000
         },
         "collectionType": {
             "type": "integer",
-            "example": 1
+            "example": 0
         },
         "offerId": {
             "type": "integer",
-            "example": 1127
+            "example": "SAL900004543304"
         },
         "channel": {
             "type": "string",
-            "example": "100"
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/ProvideLoanResponse.json

@@ -1,40 +1,75 @@
 {
-    "type": "object",
-    "properties": {
-        "requestId": {
-            "type": "string",
-            "example": "202111170001371256908"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "Tr201712RK9232P115"
-        },
-        "loanRef": {
-            "type": "string",
-            "example": "1620029887USSDAMPC"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "3451342"
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "requestId": {
+      "type": "string",
+      "example": "81757678335583"
     },
-    "xml": {
-        "name": "ProvideLoanResponse"
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "loanRef": {
+      "type": "string",
+      "example": "TRCVIC73089465966USSD3MPC"
+    },
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "msisdn": {
+      "type": "string",
+      "example": "98016510058"
+    },
+    "schedule": {
+      "type": "array",
+      "description": "List of loan repayment components with due dates and amounts.",
+      "items": {
+        "type": "object",
+        "properties": {
+          "id": {
+            "type": "integer",
+            "example": 1
+          },
+          "amountDue": {
+            "type": "number",
+            "example": 2000.0
+          },
+          "componentName": {
+            "type": "string",
+            "example": "INTEREST"
+          },
+          "dueDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2026-01-13T11:36:39.890747+00:00"
+          },
+          "startDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-10-15T11:36:39.890747+00:00"
+          },
+          "loanRef": {
+            "type": "string",
+            "example": "TRX1760528156816285USSD3MPC"
+          }
+        }
+      }
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "ProvideLoanResponse"
+  }
+}

app/swagger/schemas/RepaymentRequest.json

@@ -3,27 +3,27 @@
     "properties": {
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "debtId": {
-            "type": "string",
-            "example": "10"
+            "type": "number",
+            "example": 80
         },
         "transactionId": {
             "type": "string",
-            "example": "20171209232115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CID0000025585"
+            "example": "ZX48440946"
         },
         "loanRef": {
             "type": "string",
-            "example": "Trx5847365252USSD3MPC"
+            "example": "TRCVIC73089465966USSD3MPC"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         }
     },
     "xml": {

app/swagger/schemas/RepaymentResponse.json

@@ -1,28 +1,48 @@
 {
-    "type": "object",
-    "properties": {
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "productId": {
-            "type": "string",
-            "example": "101"
-        },
-        "debtId": {
-            "type": "string",
-            "example": "273194670"
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "Id": {
+      "type": "integer",
+      "example": 195
     },
-    "xml": {
-        "name": "RepaymentResponse"
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "debtId": {
+      "type": "string",
+      "example": "80"
+    },
+    "initiated_by": {
+      "type": "string",
+      "example": "USER_INITIATED"
+    },
+    "loanRef": {
+      "type": "string",
+      "example": "TRCVIC73089465966USSD3MPC"
+    },
+    "productId": {
+      "type": "string",
+      "example": "3MPC"
+    },
+    "repayment_id": {
+      "type": "integer",
+      "example": 195
+    },
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "RepaymentResponse"
+  }
+}

app/swagger/schemas/SelectOfferRequest.json

@@ -3,40 +3,40 @@
     "properties": {
         "requestId": {
             "type": "string",
-            "example": "202111170001371256908"
+            "example": "RQID11170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "1231231321232"
+            "example": "TRX1231231321232"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "requestedAmount": {
-            "type": "number",
-            "format": "double",
-            "example": 10000.55
+            "example": "CN6215268548868"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "4348094226"
         },
+        "msisdn": {
+            "type": "string",
+            "example": "2348093451342"
+        },
+        "requestedAmount": {
+            "type": "number",
+            "example": 20000
+        },
+       
         "productId": {
             "type": "string",
             "example": "3MPC"
         },
         "offerId": {
             "type": "string",
-            "example": "101"
+            "example": "SAL900004543304"
         },
         "channel": {
             "type": "string",
-            "example": ""
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/SelectOfferResponse.json

@@ -1,121 +1,129 @@
 {
-    "type": "object",
-    "properties": {
-        "requestId": {
+  "type": "object",
+  "properties": {
+    "requestId": {
+      "type": "string",
+      "example": "81757678225025"
+    },
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "loan": {
+      "type": "array",
+      "items": {
+        "type": "object",
+        "properties": {
+          "offerId": {
             "type": "string",
-            "example": "202111170001371256908"
-        },
-        "transactionId": {
+            "example": "SAL90000204"
+          },
+          "productId": {
             "type": "string",
-            "example": "1231231321232"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "1256907"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "5948306019"
-        },
-        "loan": {
+            "example": "3MPC"
+          },
+          "amount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "upfrontPayment": {
+            "type": "number",
+            "format": "float",
+            "example": 622.5
+          },
+          "interestRate": {
+            "type": "number",
+            "format": "float",
+            "example": 3.0
+          },
+          "interestFee": {
+            "type": "number",
+            "format": "float",
+            "example": 2700.0
+          },
+          "managementRate": {
+            "type": "number",
+            "format": "float",
+            "example": 1.0
+          },
+          "managementFee": {
+            "type": "number",
+            "format": "float",
+            "example": 300.0
+          },
+          "insuranceRate": {
+            "type": "number",
+            "format": "float",
+            "example": 1.0
+          },
+          "insuranceFee": {
+            "type": "number",
+            "format": "float",
+            "example": 300.0
+          },
+          "VATRate": {
+            "type": "number",
+            "format": "float",
+            "example": 7.5
+          },
+          "VATAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 22.5
+          },
+          "recommendedRepaymentDates": {
             "type": "array",
             "items": {
-                "type": "object",
-                "properties": {
-                    "offerId": {
-                        "type": "string",
-                        "example": "14451"
-                    },
-                    "productId": {
-                        "type": "string",
-                        "example": "3MPC"
-                    },
-                    "amount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 10000.0
-                    },
-                    "dueDate": {
-                        "type": "string",
-                        "example": "2025-04-24 10:31:"
-                    },
-                    "upfrontPayment": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1000.0
-                    },
-                    "interestRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 3.0
-                    },
-                    "interestFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 3000.00
-                    },
-                    "ManagementRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "ManagementFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "InsuranceRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "InsuranceFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 100.0
-                    },
-                    "VATRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 7.5
-                    },
-                    "VATamount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 100.0
-                    },
-                    "installmentRepaymentDates": {
-                        "type": "array",
-                        "items": {
-                            "type": "string"
-                        },
-                        "example": [
-                            "2022-11-30"
-                        ]
-                    },
-                    "installmentAmount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 11000.0
-                    },
-                    "totalRepaymentAmount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 11000.0
-                    }
-                }
-            }
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
+              "type": "string"
+            },
+            "example": [
+              "2025-10-12",
+              "2025-11-12",
+              "2025-12-12"
+            ]
+          },
+          "installmentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 10900.0
+          },
+          "repaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 32700.0
+          },
+          "totalRepaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 33322.5
+          }
         }
+      }
     },
-    "xml": {
-        "name": "SelectOffersResponse"
+    "outstandingDebtAmount": {
+      "type": "number",
+      "format": "float",
+      "example": 0
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "SelectOffersResponse"
+  }
+}

app/utils/mail.py

@@ -0,0 +1,40 @@
+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/30b45df851fa_.py

@@ -0,0 +1,45 @@
+"""empty message
+
+Revision ID: 30b45df851fa
+Revises: d59bfb9ead82
+Create Date: 2025-08-26 13:48:27.458593
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '30b45df851fa'
+down_revision = 'd59bfb9ead82'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ### 
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('paid_status', sa.String(length=20), nullable=True),
+    )
+     
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('repay_description', sa.String(length=255), nullable=True),
+    )
+
+     
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('partial_balance', sa.Float(), nullable=True),
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column('loan_repayment_schedules', 'partial_balance')
+    op.drop_column('loan_repayment_schedules', 'repay_description')
+    op.drop_column('loan_repayment_schedules', 'paid_status')
+
+    # ### end Alembic commands ###

migrations/versions/d59bfb9ead82_.py

@@ -0,0 +1,38 @@
+"""empty message
+
+Revision ID: d59bfb9ead82
+Revises: 05b5494ad406
+Create Date: 2025-08-21 14:22:19.220158
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'd59bfb9ead82'
+down_revision = '05b5494ad406'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('due_process_date', sa.DateTime(), nullable=True)
+    )
+
+    # Add due_process_count column
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('due_process_count', sa.Integer(), nullable=True)
+    )
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column('loan_repayment_schedules', 'due_process_date')
+    op.drop_column('loan_repayment_schedules', 'due_process_count')
+    # ### end Alembic commands ###

requirements.txt

@@ -40,3 +40,6 @@ confluent-kafka==1.9.2
 
 python-dateutil
 
+Flask-Mail==0.10.0
+pandas==2.1.3
+openpyxl==3.1.5