--- title: "Get decision by jobId" method: GET path: "/decision-extended/{jobId}" --- # Get decision by jobId `GET /decision-extended/{jobId}` ## Path parameters - `jobId` string, required ## Response `200` The response for getting a report - object - `decision` DecisionGoNogoExtended - `orgId` string — Organization identifier - `customerId` string — Customer identifier - `userId` string — User identifier - `isCardConnect` number — Indicates if a card is connected (1 = yes, 0 = no) - `cardCreditLimit` object[] — Credit limit details for cards - `accountNumber` string — Credit card account number - `creditLimitCard` number — Credit limit for the card - `creditExceeded` object[] — Details of credit usage exceeding limits - `providerId` string — Provider ID (e.g., bank or credit card identifier) - `accountNumber` string — Account or credit card number - `adjustedYearMonth` string — Year and month of the credit usage - `percentageOfUse` number — Percentage of the credit limit used - `percentageOfUseFlag` number — 1 = If the credit utilization percentage is greater than 75%, 0 = If the credit utilization percentage is less than 75% - `savings` object[] — Savings account information - `currency` string — currency - `amount` number — amount - `savingsTransactions` object[] — Savings account transactions - `chargedAmount` number — amount - `chargedCurrency` string — currency - `description` string — transaction description - `silukPigur` number — Number of 'Siluk Pigur' transactions - `silukPigurRolling30` number — Number of 'Siluk Pigur' transactions within a rolling 30-day period - `sumForSilukPigurRolling30` number — Sum of 'Siluk Pigur' transactions within a rolling 30-day period - `countForSilukPigurLast3Month` number — Number of 'Siluk Pigur' transactions in the last 3 months - `countForSilukPigurLast6Month` number — Number of 'Siluk Pigur' transactions in the last 6 months - `countForSilukPigurLast12Month` number — Number of 'Siluk Pigur' transactions in the last 12 months - `daysSinceLastSilukPigur` number — Number of days since the last 'Siluk Pigur' transaction - `countAkamHok` number — Number of 'Akam Hok' transactions - `countForAkamHokLastMonth` number - `countForPigurLastMonth` number - `countForAkamHokLast3Month` number — Number of 'Akam Hok' transactions in the last 3 months - `countForAkamHokLast6Month` number — Number of 'Akam Hok' transactions in the last 6 months - `countForAkamHokLast12Month` number — Number of 'Akam Hok' transactions in the last 12 months - `countForAkamHokRolling30` number — Number of Returned authorizations due to insufficient funds within a rolling 30-day period - `sumForAkamHokRolling30` number — Sum of Returned authorizations due to insufficient funds within a rolling 30-day period - `countAkamChq` number — Number of 'Akam' cheques - `countForAkamChqRolling30` number — Number of returned checks due to insufficient funds within a rolling 30-day period. - `sumForAkamChqRolling30` number — Sum of returned checks due to insufficient funds within a rolling 30-day period. - `countForAkamChqLastMonth` number — Number of 'Akam' cheques in the last month - `countForAkamChqLast3Month` number — Number of 'Akam' cheques in the last 3 months - `countForAkamChqLast6Month` number — Number of 'Akam' cheques in the last 6 months - `countForAkamChqLast12Month` number — Number of 'Akam' cheques in the last 12 months - `daysSinceLastAkamChq` number — Number of days since the last returned checks due to insufficient funds - `countPigur` number — Number of 'Pigur' transactions - `countForPigurRolling30` number — Number of delinquencies identified for the customer within a rolling 30-day period. - `sumForPigurRolling30` number — sum of delinquencies identified for the customer within a rolling 30-day period. - `countForPigurLast3Month` number — Number of 'Pigur' transactions in the last 3 months - `countForPigurLast6Month` number — Number of 'Pigur' transactions in the last 6 months - `countForPigurLast12Month` number — Number of 'Pigur' transactions in the last 12 months - `daysSinceLastPigur` number — Number of days since the last 'Pigur' event - `countLimit` number — Number of times the account was flagged for reaching credit limit - `countForLimitRolling30` number — Days exceeding credit limit within a rolling 30-day period. - `countForLimitLastMonth` number — Days exceeding credit limit last month - `countForLimitLast3Month` number — Days exceeding credit limit last 3 months - `countForLimitLast6Month` number — Days exceeding credit limit last 6 months - `countForLimitLast12Month` number — Days exceeding credit limit last 12 months - `countExceededAlert` number — Number of times the credit was exceeded - `countForExceededAlertRolling30` number — count of Exceeded Alerts within a rolling 30-day period. - `countForExceededAlertLastMonth` number — count of Exceeded Alerts last month - `countForExceededAlertLast3Month` number — count of Exceeded Alerts last 3 months - `countForExceededAlertLast6Month` number — count of Exceeded Alerts last 6 months - `countForExceededAlertLast12Month` number — count of Exceeded Alerts last 12 months - `lastDayOfExceededAlert` string — Last date the account exceeded its credit limit (DD/MM/YYYY) - `daysSinceLastExceededAlert` number — Number of days since the last credit exceeded alert - `countCancelledHok` number — Number of cancelled 'Hok' transactions - `countForCancelledHokRolling30` number — Number of cancelled returned authorizations within a rolling 30-day period. - `sumForCancelledHokRolling30` number — sum of cancelled returned authorizations within a rolling 30-day period. - `countCancelledHokLastMonth` number — Number of cancelled returned authorizations last month - `countCancelledHokLast3Month` number — Number of cancelled returned authorizations last 3 months - `countCancelledHokLast6Month` number — Number of cancelled returned authorizations last 6 months - `countCancelledHokLast12Month` number — Number of cancelled returned authorizations last 12 months - `countCancelledChq` number — Number of cancelled checks - `countForCancelledChqRolling30` number — Number of cancelled checks within a rolling 30-day period. - `sumForCancelledChqRolling30` number — sum of cancelled checks within a rolling 30-day period. - `countForCancelledChqLastMonth` number — Number of cancelled checks last mont - `countForCancellChqLast3Month` number — Number of cancelled checks last 3 monts - `countForCancellChqLast6Month` number — Number of cancelled checks last 6 monts - `countForCancellChqLast12Month` number — Number of cancelled checks last 12 monts - `daysSinceLastCancellChq` number — Number of days since the last cancelled returned checks - `mortgageLastPay` number — Amount of the last mortgage payment - `avgMortgagePayment` number — Average mortgage payment amount - `checkingCreditLimit` object[] — Credit limit usage details for checking accounts - `adjustedAccountNumber` string — Checking account number - `adjustedAccountCurrency` string — Checking account currency - `adjustedCreditLimit` number — Credit limit assigned to the checking account - `almostExceededCredit` number — Indicates if credit usage is near the limit - `creditLineUsageLast3Month` number — Credit line usage over the last 3 months - `creditLineUsageLast6Month` number — Credit line usage over the last 6 months - `creditLineUsageLast12Month` number — Credit line usage over the last 12 months - `closingBalanceLastMonth` number — Closing balance of the previous month - `openBalance3MonthAgo` number — Account balance from 3 months ago - `indication` object[] — List of relevant indications or indicators - `description` string — Indicator description - `loanBalance` number — Outstanding balance for loans - `existMortgage` number — Indicates if there is an existing mortgage (1 = yes, 0 = no) - `reportedPeriodInMths` number — Number of months reported overall - `reportedPeriodInMthsLast3` number — Number of months reported for the most recent 3-month period - `incomeExpensesSources` object[] — Breakdown of income and expenses by category/source - `classificationSource` string — Category or classification of the source - `sumIncome` number — Sum of income for this source - `sumExpenses` number — Sum of expenses for this source - `incomeExpenseSourceByPeriod` object[] — Income and expenses categorized by period and source - `classificationSource` string — Category or classification of the source - `sumRegularIncomeLastMonth` number — Sum of regular income in the last month - `avgRegularIncomeLast3Month` number — Average regular income over the last 3 months - `avgRegularIncomeLast6Month` number — Average regular income over the last 6 months - `avgRegularIncomeLast12Month` number — Average regular income over the last 12 months - `sumExpensesLastMonth` number — Sum of expenses in the last month - `avgExpensesLast3Month` number — Average expenses over the last 3 months - `avgExpensesLast6Month` number — Average expenses over the last 6 months - `avgExpensesLast12Month` number — Average expenses over the last 12 months - `availableIncomeLastMonth` number — availabe regular income last month - `avgAvailableIncomeLast3Month` number — average availabe regular income last 3 months - `avgAvailableIncomeLast6Month` number — average availabe regular income last 6 months - `avgAvailableIncomeLast12Month` number — average availabe regular income last 12 months - `sumRegularIncomeLastMonth` number — sum of regular income last month - `avgRegularIncomeLast3Month` number — average regular income last 3 months - `avgRegularIncomeLast6Month` number — average regular income last 6 months - `avgRegularIncomeLast12Month` number — average regular income last 12 months - `regularExpensesLastMonth` number — regular expenses last month - `avgRegularExpensesLast3Month` number — average regular expenses last 3 months - `avgRegularExpensesLast6Month` number — average regular expenses last 6 months - `avgRegularExpensesLast12Month` number — average regular expenses last 12 months - `variableIncomeLastMonth` number — variable Income Last Month - `avgVariableIncomeLast3Month` number — average Variable Income Last 3 Months - `avgVariableIncomeLast6Month` number — average Variable Income Last 6 Months - `avgVariableIncomeLast12Month` number — average Variable Income Last 12 Months - `numOfLoansCredit` number — Number of non-bank loans - `sumOfLoanCredit` number — Total remaining amount of non-bank loans to be paid. - `numOfLoanBankRolling30` number — Number of bank loans taken in the rolling 30-day period. - `sumOfLoanBankRolling30` number — sum of bank loans taken in the rolling 30-day period. - `loanDetailsPerBankPreviousMonth` object[] — loan Details array Per Bank Previous Month - `providerId` string — bank - `sumOfLoanPerProvider` number — sum of bank loans taken per bank - `countOfLoan` number — number of bank loans taken per bank - `loanDetailsPerBankRolling30` object[] — loan Details array Per Bank rolling 30-day period. - `providerId` string — bank - `sumOfLoanPerProvider` number — sum of bank loans taken per bank - `countOfLoan` number — number of bank loans taken per bank - `totalSettlementsLastMonth` number — total Settlements Last Month - `totalNonSettlementsLastMonth` number — Loan repayments in the last month. - `avgSettlementsLast3Month` number — Average settled loan payments in the last 3 months - `avgNonSettlementsLast3Month` number — Average Loan repayments in the last 3 months - `avgSettlementsLast6Month` number — Average Settlements in the last 6 months - `avgNonSettlementsLast6Month` number — Average Loan repayments in the last 6 months - `avgSettlementsLast12Month` number — Average Settlements in the last 12 months - `avgNonSettlementsLast12Month` number — Average Loan repayments in the last 12 months - `incomeChq` number — Total income from cheques - `avgIncome` number — Overall average income - `sumIncomesRcntMth` number — sum Incomes last month - `avgCashIncome` number — average cash income - `sumCashIncomesRcntMth` number — Total cash income in the most recent month - `avgCashIncomesRcnt3Mth` number — Average cash income in the most recent 3 months - `avgCashIncomesRcnt6Mth` number — average Cash Incomes last 6 months - `avgCashIncomesRcnt12Mth` number — average Cash Incomes last 12 months - `avgMinistryOfConstructionIncome` number — Average income from the Ministry of Construction - `avgMinistryOfConstructionIncomeRecent3Mth` number — Average Ministry of Construction income in the most recent 3 months - `avgNationalInsurance` number — Average income from National Insurance - `avgNationalInsuranceRecent3Mth` number — Average National Insurance income in the most recent 3 months - `avgSalary` number — average salary - `avgSalaryRecent3Mth` number — average salary last 3 months - `avgRegularIncome` number — average regular income - `avgIncomeRecent3Mth` number — average total income in the most recent 3 months - `avgIncomeRecent6Mth` number — average total income in the most recent 6 months - `avgIncomeRecent12Mth` number — average total income in the most recent 12 months - `avgVariableIncome` number — average variable income - `incomeChqLast3Months` number — Total income from cheques in the last 3 months - `sumExpensesRcntMth` number — Total expenses in the most recent month - `avgExpensesMth` number — average expense last month - `sumExpensesLast12Mth` number — sum expenses last 12 months - `sumExpensesLast6Mth` number — sum expenses last 6 months - `sumExpensesLast3Mth` number — sum expenses last 3 months - `isPrimaryAccount` object — primary accounts validation array - `accountNumber` string — account number - `criteria` string — Indicates whether the criteria are met (1 = Yes, 0 = No). The criteria are fulfilled if at least one of the following conditions is met for a period of three months: 1. Salary + regular income + credit card (if connected) + at least 10 transactions in the current account per month (including consecutive credit card transactions over several months). 2. Salary + mortgage payment (loan type = mortgage) + minimum transactions. 3. Fixed transfers + credit card + minimum transactions. - `securitiesTotalValue` number — Estimated value of securities - `totalLoanPaymentsLast3Month` number — Total loan payments in the last 3 months - `lastDayOfLimit` string — Last date the account reached or triggered a credit limit event (DD/MM/YYYY) - `daysSinceLastLimit` number — Number of days since the last credit limit event - `regularIncome3LastmonthsNationalInsurance` number — regular income in the last 3 months from national insurance - `variableIncome3LastMonthsNationalInsurance` number — variable income in the last 3 months from National Insurance - `extensions` object — Extensions object containing detailed financial behavior analysis - `incomesAndOutcomesPerMonth` object[] — An array containing a breakdown of the client's incomes and expenses on a monthly basis - `yearMonth` string — The reference month for the data, based on the transaction booking date. The format is YYYY-MM. - `sumTotalIncome` number — The total sum of all positive-value transactions - `countTotalIncomeTransaction` integer — The total number of positive-value transactions - `sumRegularIncome` number — The total sum of transactions categorized as regular income. This is defined according to Open Finance's criteria - `sumVariableIncome` number — The total sum of transactions categorized as variable income. This is also based on Open Finance's criteria - `sumTotalExpense` number — The total sum of all negative-value transactions (expenses) - `countTotalExpenseTransaction` integer — The total number of expense transactions - `sumNIExcludeMilTotalIncome` number — The total sum of income transactions from the National Insurance Institute, excluding military reserve pay. This includes both regular and variable income - `sumNIIncludeMilTotalIncome` number — The total sum of income transactions from the National Insurance Institute, including military reserve pay - `sumMinistryConstructionTotalIncome` number — The total sum of transactions categorized as income from the Ministry of Construction and Housing. This field includes both regular and variable income types - `vatIndication` boolean — A boolean (0 or 1) indicating if the client is a business customer. This is identified by VAT expenses - `regularIncomePerMonth` object[] — An array containing a monthly breakdown of regular income - `flexYearMonth` string — The reference month, determined by the transaction's value date - `sumRegularIncome` number — The total amount of all regular income transactions for the given month - `countRegularIncomeTransaction` integer — The number of regular income transactions for the given month - `regularTransfersIncomeBreakDownPerMonth` object[] — This array details the breakdown of specific regular income types - `yearMonth` string — The reference month, based on the transaction's value date - `countRegularChqIncome` integer — The number of regular income transactions made by check - `sumRegularChqIncome` number — The total amount of all regular income check transactions - `countTransferRegularIncome` integer — The number of regular income transactions from a bank transfer - `sumTransferRegularIncome` number — The total amount of all regular income bank transfer transactions - `countOtherRegularIncome` integer — The number of all other regular income transactions - `sumOtherRegularIncome` number — The total amount of all other regular income transactions - `variableIncomes` object[] — An array that details transactions from variable incomes - `yearMonth` string — The reference month - `sumTradingIncome` number — The total amount from foreign currency or securities sales transactions - `sumSavingsDepositIncome` number — The total amount from withdrawals from a savings or deposit plan - `sumVatIncome` number — The total amount of income from VAT payments. This indicates a business client - `sumBankTransferVariableIncome` number — The total amount of income transactions categorized as bank transfers - `countBankTransferVariableIncome` integer — The number of income transactions categorized as bank transfers - `sumChqVariableIncome` number — The total amount of income transactions categorized as checks - `countChqVariableIncome` integer — The number of income transactions categorized as checks - `sumCashVariableIncome` number — The total amount of income transactions categorized as cash - `countCashVariableIncome` integer — The number of income transactions categorized as cash - `sumBitCardPayboxVariableIncome` number — The total amount of income transactions from Bit, credit cards, or Paybox - `sumNIExcludeMilVarIncome` number — The total amount of income from the National Insurance Institute, excluding military reserve pay. This includes both regular and variable income - `sumNIIncludeMilVarIncome` number — The total amount of income from the National Insurance Institute, only including military reserve pay. This includes both regular and variable income - `sumMinistryConstructionVariableIncome` number — The total amount of income transactions from the Ministry of Construction and Housing. This field includes both regular and variable income types - `sumBankLoanAmount` number — The total amount of income from bank loans. This is based on a search for specific keywords in transactions - `sumNonBankLoanRoundAmount` number — The total amount of income from non-bank loans (credit/insurance companies) in round sums. A transaction is identified as a loan if the amount is greater than 10,000 and is in a round number (multiples of 100 or 1,000) - `sumNonBankIncomeNonRoundAmount` number — The total amount of income from non-bank sources in non-round sums. This field is for non-regular income from credit and insurance companies that isn't classified in the round amount category - `deltaVariableIncome` number — The total amount of all income transactions that were not categorized in the above fields - `isPrimaryAccount` boolean — A boolean (0 or 1) indicating if the account is a primary account. This is based on criteria like salary deposits, credit card transactions, and mortgage payments over several months - `negativeBehaviorByMonth` object[] — An array that details the client's negative financial behavior on a monthly basis - `yearMonth` string — The month and year of the reported behavior - `countPigur` integer — The number of late payments ("pigurim") the client had in a given month - `sumPigur` number — The total amount of late payments ("pigurim") for the given month - `sumSilukPigur` number, float — The total amount of "Siluk Pigur" transactions for the given month - `countExceededAlert` integer — The number of overdraft warning letters the client received - `countForAkamExcludingHokRolling30` integer — The number of returned direct debit transactions from all reasons except "Akam," over a 30-day period - `countForCancelledAkamChqRolling30` integer — The number of bounced and canceled checks due to "Akam" (lack of funds) in the current month plus the previous 30 days - `monthlyLoansPayments` object[] — An array providing overview of loan and mortgage repayments over the last 12 months from the connection date. This includes both regular repayments and early settlements identified in the customer's checking account. - `yearMonth` string — The reference month and year - `loanPayments` number, float — The total amount of loan and mortgage repayments identified in the customer's checking account for the specified month. - `totalLoanSettlements` number, float — The total amount of loan settlements for the specified month - `monthlyMortgagePayments` object[] — An array providing overview of mortgage repayments over the last 12 months from the connection date. - `yearMonth` string — The reference month and year (YYYY-MM) - `mortgagePayments` number, float — The total amount of mortgage repayments identified in the customer's checking account for the specified month. - `totalMortgageSettlements` number, float — The total amount of mortgage settlements for the specified month - `shortTermLoansRemainingBalance` number, float, nullable — The total remaining balance for all short-term loans - `longTermLoansRemainingBalance` number, float, nullable — The total remaining balance for all long-term loans - `totalOshAccountLimitsPerCurrency` object[] — An array providing the total checking account limits grouped by currency - `balanceCurrency` string — The currency code - `totalOshAccountLimits` number, float — The total sum of checking account limits for this currency - `shortTermBusinessLoanCredit` number, float, nullable — The total amount of short-term business loan credit - `shortTermCreditLimits` object[] — An aggregated summary providing details for all short-term credit limits. - `accountNumber` string — account Number - `startDate` string — start date - `endDate` string — end date - `creditLimit` number, float — credit limit - `totalObligo` object[] — An array providing the total obligo (outstanding obligations) per account and currency - `accountNumber` string — The account number - `currency` string — The currency code - `obligo` number, float — The total obligo amount for this account and currency - `nisBalanceRangeByPeriod` object[] — An array providing balance ranges in NIS (Israeli Shekel) for different time periods - `accountNumber` string — The account number - `currency` string — The currency code - `maxBalanceLastMonth` number, float — Maximum balance in the last month - `minBalanceLastMonth` number, float — Minimum balance in the last month - `maxBalanceLast6Months` number, float — Maximum balance in the last 6 months - `minBalanceLast6Months` number, float — Minimum balance in the last 6 months - `maxBalanceLast12Months` number, float — Maximum balance in the last 12 months - `minBalanceLast12Months` number, float — Minimum balance in the last 12 months - `foreignCurrencyBalanceRangeByPeriod` object[] — An array providing balance ranges in foreign currency for different time periods - `accountNumber` string — The account number - `currency` string — The currency code - `maxBalanceLastMonth` number, float — Maximum balance in the last month - `minBalanceLastMonth` number, float — Minimum balance in the last month - `maxBalanceLast6Months` number, float — Maximum balance in the last 6 months - `minBalanceLast6Months` number, float — Minimum balance in the last 6 months - `maxBalanceLast12Months` number, float — Maximum balance in the last 12 months - `minBalanceLast12Months` number, float — Minimum balance in the last 12 months - `sectorInterestRange` object — An object providing interest rate ranges for different loan and mortgage types - `minLoanFixedRate` number, float, nullable — Minimum fixed interest rate for loans - `maxLoanFixedRate` number, float, nullable — Maximum fixed interest rate for loans - `minLoanIndeRate` number, float, nullable — Minimum index-linked interest rate for loans - `maxLoanIndeRate` number, float, nullable — Maximum index-linked interest rate for loans - `minMortgageFixedRate` number, float, nullable — Minimum fixed interest rate for mortgages - `maxMortgageFixedRate` number, float, nullable — Maximum fixed interest rate for mortgages - `minMortgageIndeRate` number, float, nullable — Minimum index-linked interest rate for mortgages - `maxMortgageIndeRate` number, float, nullable — Maximum index-linked interest rate for mortgages - `monthlyIncome` object[] — An array providing a detailed breakdown of monthly income by category - `yearMonth` string — The reference month and year (YYYY-MM) - `salaryIncome` number, float — Total salary income for the month - `benefitsIncome` number, float — Total benefits income for the month - `transfersIncome` number, float — Total income from transfers for the month - `financialInstitutionsIncome` number, float — Total income from financial institutions for the month - `creditCardPaymentsIncome` number, float — Total income from credit card payments for the month - `checksIncome` number, float — Total income from checks for the month - `otherIncome` number, float — Total other income for the month - `totalMonthlyIncome` number, float — Total monthly income (sum of all income categories) - `regularIncome` number, float — agg sum of the customer's regular incomes - `totalIncomeFromTransfers` number, float — The total income received from bank transfers, including ZAHAV and Bit transactions. (exlude loans transactions) - `totalIncomesFinancialInstitutions` number, float — An aggregated sum of non-loan income received from known financial institutions (e.g., insurance and provident funds). Income is identified using a list of company names in the transaction description. This calculation excludes income amounts that are round figures, as these often indicate loans. - `creditCardsTotalIncomes` number, float — The total non-loan income originating from credit card transactions. Income is identified by searching for specific credit company names (Cal, Max, Visa) or positive transactions from external credit card accounts. This field excludes any round-amount transactions that might indicate a loan - `decision` 'Go' | 'NoGo' — Final decision based on financial data - `status` 'DONE' | 'RUNNING' — The status of the report ## Other responses - `400` — Error getting deciosion report - `500` — Internal server error --- [API](https://skmtc.net/open-finance/apis/auth.md) · [All operations](https://skmtc.net/open-finance/apis/auth/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/open-finance/auth/revisions/b4d401b65c3d/schema)