Reports

Reports are pivotal in offering a comprehensive overview of the credit card product's operation. The out-of-the-box reports, generated by default, are meticulously designed to provide complete visibility into various facets of the product's performance.

Additional reports

If you need a custom report, get in contact with MO's support and we will developed it with your respective needs.

Report types

MO's system will provide reports for scores (LOC), card account holders, card account details, pre-loan requests, loans, payments, and disputes. Reports will be generated on a daily and monthly basis.

Below, you will find the list of reports and the fields they include:

Score (LOC)

Field	Description
`CUSTOMER_ID`	A unique identifier assigned to each customer for individual tracking and reference.
`CARD_ACCOUNT_ID`	A unique identifier assigned to the card account for accurate and distinct identification.
`PRE_APPROVED_LINE_OF_CREDIT`	The predetermined amount of credit preapproved for the customer, expressed in the local currency.
`SCORE`	The result from a scoring model indicating the creditworthiness of the customer, represented as a value between 0 and 1.
`SCORE_DATE`	The date on which the scoring model was applied to generate the customer's credit score.

Card account holder

Field	Description
`CUSTOMER_ID`	Unique identifier assigned to each customer for individual tracking and reference.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account for accurate and distinct identification.
`ACCOUNT_OWNER`	Name of the individual who owns the account.
`ACCOUNT_TYPE`	Type of account in the processor (Primary or Secondary).
`ACCOUNT_STATUS`	Status of the card account: Frozen, Blocked, Active, Canceled, Archived.
`PRODUCT_ID`	Unique identifier for the associated product.
`LINE_OF_CREDIT`	Current approved line of credit.
`AVAILABLE_AMOUNT`	Amount of the credit line currently available for use.
`TOTAL_DEBT`	Total amount of outstanding debt.
`PAY_OFF_AMOUNT`	Amount needed to avoid ordinary interest charges.
`MINIMUM_PAYMENT`	Minimum amount required to be paid each billing cycle.
`POSITIVE_BALANCE_AMOUNT`	Available balance that the account owner can expend.
`CLOSING_DATE`	Date to close the billing cycle.
`MAXIMUM_PAYMENT_DATE`	Maximum date by which the minimum payment must be made.
`LAST_PAYMENTS`	Total sum of payments made in the last billing cycle.
`HEALTH_STATUS`	Current health status of the loan: Up to date, 1 overdue installment, 1+ overdue installments, Over maximum payment date, Bad debt.
`LAST_ACTIVITY_DATE`	Date of the last transaction made by the client.
`CANCELED_ACCOUNT_DATE`	Maximum date by which the minimum payment must be made.

Card account detail

Field	Description
`CUSTOMER_ID`	Unique identifier assigned to each customer.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account.
`ACCOUNT_OWNER`	Name of the individual owning the account.
`ACCOUNT_TYPE`	Type of account in the processor (Primary or Secondary).
`ACCOUNT_STATUS`	Status of the card account: Frozen, Blocked, Active, Canceled, Archived.
`PRODUCT_ID`	Unique identifier for the associated product.
`OFFER_ID`	Unique identifiers for all associated offers.
`LINE_OF_CREDIT`	Current approved line of credit.
`NUMBER_OF_RELATED_CARDS`	Number of credit cards or PRN related to the account.
`AVAILABLE_AMOUNT`	Amount of the credit line currently available for use.
`TOTAL_DEBT`	Total amount of outstanding debt.
`PAY_OFF_AMOUNT`	Amount needed to avoid ordinary interest charges.
`MINIMUM_PAYMENT`	Minimum amount required to be paid each billing cycle.
`POSITIVE_BALANCE_AMOUNT`	Available balance that the account owner can expend.
`CLOSING_DATE`	Date to close the billing cycle.
`MAXIMUM_PAYMENT_DATE`	Maximum date by which the minimum payment must be made.
`LAST_PAYMENTS`	Total sum of payments made in the last billing cycle.
`CAPITAL_DEBT`	Total amount owed in capital.
`FIXED_INTALLMENTS_DEBT`	Total amount owed in capital that is due in fixed installments.
`INTEREST_DEBT`	Total amount owed in ordinary interests.
`TAX_DEBT`	Total amount owed in ordinary taxes.
`DEFAULT_INTEREST_DEBT`	Total amount owed in default interests.
`DEFAULT_TAX_DEBT`	Total amount owed in default taxes.
`ADMINISTRATION_COST_DEBT`	Total amount owed in administration cost or annual fee.
`COLLECTION_COST_DEBT`	Total amount owed in collection costs.
`TOTAL_ANNUAL_COST_RATE`	Rate that the account owner is paying on a yearly basis for the credit card.
`INTEREST_RATE`	Ordinary interest rate.
`DEFAULT_RATE`	Default interest rate.
`HEALTH_STATUS`	Current health status of the loan: Up to date, 1 overdue installment, 1+ overdue installments, Over maximum payment date, Bad debt.
`LAST_ACTIVITY_DATE`	Date of the last transaction made by the client.
`CANCELED_ACCOUNT_DATE`	Maximum date by which the minimum payment must be made.

Pre-loans

Field	Description
`PRE_LOAN_ID`	Unique identifier assigned to each pre-loan.
`CUSTOMER_ID`	Unique identifier assigned to each customer.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account.
`PRE_LOAN_AMOUNT`	Amount requested by the customer that had an authorization.
`PRE_LOAN_STATUS`	Current loan status: Complete, Pending, Rejected.
`MERCHANT_NAME`	Name of the merchant where the transaction took place.
`TRANSACTION_DATE`	Pre-loan creation date.
`CONFIRMATION_DATE`	Loan creation date.

Loans

Field	Description
`LOAN_ID`	Unique identifier assigned to each loan.
`CUSTOMER_ID`	Unique identifier assigned to each customer.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account.
`OFFER_ID`	Unique identifier assigned to the associated offer.
`LOAN_AMOUNT`	Amount requested by the customer that was confirmed by a settlement.
`LOAN_STATUS`	Current loan status: Active, Paid, Cancelled, Frozen, In Dispute.
`NUMBER_INSTALLMENTS`	Number of loan installments if applicable.
`INTEREST_RATE`	Interest rate (APR).
`MERCHANT_NAME`	Name of the merchant where the transaction took place.
`CONFIRMATION_DATE`	Loan creation date.

Payments

Field	Description
`PAYMENT_ID`	Unique identifier assigned to each payment.
`LOAN_ID`	Unique identifier assigned to each loan.
`CUSTOMER_ID`	Unique identifier assigned to each customer.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account.
`PAYMENT_TYPE`	Type of payment given by the payment gateway (e.g., Bank Account, Credit Card, Cash, etc.).
`PAYMENT_STATUS`	Current payment status.
`TOTAL_AMOUNT`	Total payment amount.
`CAPITAL_AMOUNT`	Capital payment amount.
`INTEREST_AMOUNT`	Interest payment amount for ordinary interest.
`TAX_AMOUNT`	Tax payment amount for ordinary interest.
`DEFAULT_AMOUNT`	Interest payment amount for default interest.
`DEFAULT_TAX_AMOUNT`	Tax payment amount for default interest.
`ADMIN_COST_AMOUNT`	Administration cost payment amount (aka Annual Fee or "Cuota de Manejo").
`COLLECTION_COST_AMOUNT`	Collection cost amount.
`MAXIMUM_PAYMENT_DATE`	Maximum date to pay at least the minimum payment.
`PAYMENT_DATE`	Payment date.

Disputes

Field	Description
`LOAN_ID`	Unique identifier assigned to each loan.
`CUSTOMER_ID`	Unique identifier assigned to each customer.
`CARD_ACCOUNT_ID`	Unique identifier assigned to the card account.
`LOAN_AMOUNT`	Amount requested by the customer THAT WAS CONFIRMED BY A SETTLEMENT.
`LOAN_STATUS`	Current loan status: Active, Paid, Cancelled, Frozen, In Dispute.
`DISPUTE_RESOLUTION`	Dispute resolution: Won or Lost.
`RESOLUTION_AMOUNT`	Amount won in the dispute.
`DISPUTE_RESOLUTION_DATE`	Date when the dispute was solved.