Scoring Results

Get the credit scoring results of an uploaded Mpesa statement statement

Get Statement Scores

GET {{BASE_URL}}/api/v1/statements/bank/report?ref_id=:ref_id

This endpoint allows you to get the credit scoring results of an mpesa statement

Query Parameters

Name	Type	Description
ref_id*	String	reference in statement upload response

Headers

Name	Type	Description
Authentication*	String	Authentication token to track who is making the requests.

200 Score successfully retrieved.

{
    "status": 200,
    "message": "Statement Analytics successfully fetched",
    "data": {
        "ref_id": "a6dc2fb0-c918-418c-8007-dcdf74a9a9ed",
        "national_id": "27365875",
        "fraud_data": null,
        "score_data": {
            "initial_score": 327.0,
            "bank_score": 327.0,
            "bank_version": "v1",
            "limit": [
                273394.0,
                410091.0
            ]
        },
        "report": {
            "overall": {
                "national_id": "27365875",
                "transaction_id": "bdb0dbe4051521dfd496f6d53503a4680b1b6de09e979c3f42f6bce7b4de32dd",               
                "transaction_details": 0,
                "sent_amount": 1000.0,
                "received_amount": 0.0,
                "balance_then": 21000.6,
                "bank_name": "absa",
                "first_transaction_date": "2022-07-01T00:00:00",
                "last_transaction_date": "2022-07-29T00:00:00",
                "statement_days": 29,
                "statement_months": 0.97,
                ...
                "received_amount_trend": {
                    "2022-07-31": 776950.85
                },
                "sent_amount_trend": {
                    "2022-07-31": 716483.35
                },
                "balance_amount_trend": {
                    "2022-07-31": 57584.3687772926
                },
                "business_label": 0,
                "initial_score": 327.0,
                "bank_score": 327.0,
                "score": 327.0,
                "bank_version": "v1",
                "limit": "[273394.0, 410091.0]"
            },
            "1y": {
                "first_transaction_date": "2022-07-01T00:00:00",
                "last_transaction_date": "2022-07-29T00:00:00",
                "max_sent": 127715.0,
                "mean_sent": 3107.049134199134,
                "max_received": 113039.0,
                "avg_received": 3368.8132034632035,
                "total_received_amount": 778195.85,
                ...
            },
            "6m": {
                "first_transaction_date": "2022-07-01T00:00:00",
                "last_transaction_date": "2022-07-29T00:00:00",
                "max_sent": 127715.0,
                "mean_sent": 3107.049134199134,
                "max_received": 113039.0,
                "avg_received": 3368.8132034632035,
                "total_received_amount": 778195.85,
                ...
            },
            "3m": {
                "first_transaction_date": "2022-07-01T00:00:00",
                "last_transaction_date": "2022-07-29T00:00:00",
                "max_sent": 127715.0,
                "mean_sent": 3107.049134199134,
                "max_received": 113039.0,
                "avg_received": 3368.8132034632035,
                "total_received_amount": 778195.85,
                ...
            },
            "1m": {
                "first_transaction_date": "2022-07-01T00:00:00",
                "last_transaction_date": "2022-07-29T00:00:00",
                "max_sent": 127715.0,
                "mean_sent": 3107.049134199134,
                "max_received": 113039.0,
                "avg_received": 3368.8132034632035,
                "total_received_amount": 778195.85,
                ...
            }
        },
        "created_at": "2025-06-20T12:00:58"
    }
}

404 when statement doesn't exist

{
    "status": 404,
    "message": "Statement not found"
}