Definitions of Status

Definition of customer status

Unregistered: First automatic user status. In this status the user has not yet completed the registration process.
Actions allowed: complete the registration process through the platform.
Enabled: Proactive status that only applies when the user is eligible to apply for a loan. For example, they have no overdue or canceled loans, and have not committed any violations of business rules.
Actions allowed: make payments (automatic and voluntary) and requests for new loans through the platform.
Disabled: Automatic status in which the user is disabled to make new loan requests, may have a loan in default or may have committed violations of business rules..
Actions allowed: make payments (automatic and voluntary) through the platform.
Deleted: Proactive status where user information is permanently hidden from the platform. Hidden information: Names and Surnames, Phone Number, E-mail, Address, National ID..
Actions allowed: not applicable.
Blocked: Automatic status where the user is not allowed to submit new loan requests within the platform. The user's information remains stored in the platform and available for reference..
Actions allowed: payments outside the platform.

Customers Status conditions

Definition of loan status: Preloan - precredits / Loans-Credits

Pre-Loans – Pre-Credits:

Pending: First automatic status of each application. The loan has not yet been confirmed.
Rejected: The loan was not approved. The process ends.
Completed: The request has been confirmed and becomes an active loan.

Loans – Credits:

Active: Automatic status where the disbursement has already been made and the user is not in arrears or in violation of business rules..
Actions allowed: to make automatic and voluntary payments through the platform.
Frozen: Status that allows the change of the payment deadline. During the period that the loan is frozen, automatic payments can be made through the platform, but no new interest will be charged..
Actions allowed : voluntary payments outside the platform.
Paid: automatic status where the loan is closed because the user has completed the loan repayment schedule.
Actions allowed: not applicable.
In dispute: During the period that the loan is in "in dispute", no automatic payments can be made through the platform, but new interest will be generated but in an inactive status, once the loan change the status those charges will be activated
Actions allowed: not applicable.
Cancelled: Proactive status where the loan is cancelled due to fraud, disputes, rejections, refunds, death or refinancing. No interest or additional fees are incurred.

Rejected: When a purchase has not reached the user and the credit is completely cancelled.
Returned: When a user no longer needs the credit as the purchase did not meet expectations.
Fraud: When a credit was created by a third party and not by the customer in question and the credit is invalid.
Death: When the user is unable to repay the loan due to death.
Refinanced: When the credit is cancelled because another one has been created through refinancing.

Actions allowed: not applicable.

Loan status conditions

Definition of payment status: Pre-Payments & Payments

Pre-Payments:

Pending: first automatic status of each payment. The payment has not been confirmed yet.
Rejected: The payment was not approved. The process ends.
Completed: The payment was confirmed and becomes an accepted payment.

Payments:

Accepted: Automatic status where the payment was successfully made and applied to the outstanding balance of the loan.
Actions Allowed: not applicable.
Reversed: Proactive status where the payment is returned to the user because the user committed fraud, won a dispute, a refund or rejection of the purchase was made after payment or because of a business rule..
Actions allowed: not applicable.

Payment status conditions

Definition of product status and offers : Product Catalogue / Products & Offers

Product:

Archived Enabled -Active: The product was successfully created and is enabled to add offers within this product..
Inactive: The product was removed from the platform; however, the information is still stored on the platform. All charges, payments and promises to pay are stopped. No new offers can be added, or loans issued from this product.

Offer:

Draft : Automatic status where the offer needs to be fully configured and manually activated by a MO Technologies Account Executive.
Actions allowed: Manual activation by Account Executive.
Enabled -Active: Automatic status where the offer has been successfully activated and is ready to issue loans.
- Tags:
  In use: At least one active loan
  Idle: No active loans yet
  Actions allowed : Modification (allowed depending on the project) or elimination of the offer with the help of the Account Executive.
Disabled -Inactive: Proactive status where the offer is disabled for the request of new loans.
- Tags:
  In use: At least one active loan
  Idle: No active loans yet
  Actions allowed : Users can make automatic and voluntary payments.

product status and offers status conditions

Definition of purchase statuses

Purchases:

Active: Automatic status of a purchase that was successfully completed.
Captured: Automatic status of a purchase that was successfully completed.
Actions allowed : not applicable.
Returned: Proactive status in which the balance of a purchase is returned to the user.
Actions allowed: not applicable.
Rejected: Proactive status where payment was not successful.
Actions allowed: not applicable.

Purchases status conditions

Definition of merchant status

Merchants:

Enabled - Active: Automatic status where the business has successfully completed the registration process and can participate in available offers.
Actions allowed: Reject purchases and make returns.
Disabled - Inactive: Proactive status where the merchant is deactivated for reasons determined by the customer. The merchant cannot offer any more BNPL loans through their e-commerce or point of sale.
Actions allowed : not applicable.

Merchant status conditions

BI Reports User Manual Guide

Access to dashboards in Admin Portal

The following process details how to access the dashboards :

Authenticate in MO Manage Admin Portal: Entering the user (email) and password authorized for the login.
If the authenticated user has the profile with the permissions for viewing reports, the dashboard will be found in the "Reports" section of MO Manage..

Use of the Credit Operation Screen

The following is the default screen of the Credit Operation dashboard which details the relevant information associated with the credit operation. The dashboard is divided into 3 sections :

Section 1: Field with report filters, date, product and offers.
Section 2: Field with KPI's or main indicators of the operation.
Section 3: Field with predetermined graphs of the platform.

Section 1: Field with report filters, date, product and offers.

Report filters: In this part you will find the report filters, these filters will modify all the components of the page and they are detailed as follows :

Date Selector: By default the selected date range will be the current month not including the current day. The selection is at the user's discretion with no restrictions beyond a consistent range (the start date must be less than the end date). The selector contains predefined date ranges which are listed at the top right

Product Selector: This filter allows the selection of the different associated products, by default all those available in the previously selected date range are selected. The selector allows the search by value and a selection of one or several values:

Offer Selector: This filter allows you to select the offers created in MO Manage in the defined date range, the use of the selector is the same as in the case of the product selector:

Section 2: Field with KPI's or main indicators of the operation.

Main operation indicators: This section will show the indicators associated with the credit operation, each indicator consists of: title; value in compact numbers and currency corresponding to the project; variation, corresponding to the previous period according to the selected date range, as follows:

Range selected : from 01-11-2023 to 15-11-2023
Range to compare: from 17-10-2023 to 31-10-2023

Section 3: Field with predetermined graphs of the platform.

Operation Charts: These graphs show different views of the operation focusing on trades and disbursement behavior. The graphs can be interacted with allowing to detail the information displayed, any interaction with them will modify the dashboard indicators accordingly. The types of charts are detailed below:

Tree chart where the payout amount is detailed by merchant and offer. This graph organizes the amounts from highest to lowest showing the change through the combination of size and color, being the largest values larger and with a different color tone with respect to the other trades. The values can be broken down by trade-offer, trade and total.

Line and bar graph showing the indicators of number of loans disbursed and total amount disbursed by date of disbursement, this graph can be shown by month, week and day:

Use of the Origination screen

The following is the default screen of the Origination dashboard, which details the relevant information associated with customer origination and onboarding. Like the previous dashboard, this one is divided into 3 sections:

Section 1: Field with report filters, date and stores.
Section 2: Field with KPI's or main indicators of the operation.
Section 3: Field with predetermined graphs of the platform.

Section 1: Field with report filters, date and stores.

Report filters: In this part you will find the report filters, these filters will modify all the components of the page and are detailed as follows:

Date Selector: By default, the selected date range will be the current month not including the current day. The selection is at the user's discretion with no restrictions beyond a consistent range (the start date must be less than the end date). The selector contains predefined date ranges which are detailed in the upper right-hand side:

Merchant Selector: This filter allows the selection of the different associated merchants, by default all those available in the previously selected date range are selected. The selector allows the search by value and a selection of one or several values:

Section 2: Field with KPI's or main indicators of the operation.

Main origination/onboarding indicators: This section will show the indicators associated with the origination/onboarding processes, each indicator is composed of title; value in compact numbers; variation, corresponding to the previous period according to the selected date range, as follow :

Selected range: from 27-09-2022 to 01-10-2022
Range to compare from 22-09-2022 to 26-09-2022

Section 3: Field with predetermined graphs of the platform.

Origination Charts: The charts represent the default steps of the onboarding process in the form of an event funnel, they are separated into events related to first purchase or non-customer events and customer events, which are considered recurring customer events, the funnels are presented as follows:

Using the Origination - Funnel screen

The following is the Origination screen which details the relevant information associated with the origination and onboarding of customers on their first purchase.

1 - First Purchase Events Detailed Funnel

The following is a detail of the first purchase event funnel, which consists of 10 steps that users must complete. In this funnel, the "Continued purchase" value coincides with the offer distribution graph in "First purchase events", which indicates which offer is the most selected by users.

The funnel is divided into three sections:

Bar chart: shows the number of users who completed each step of the process.
% vs previous: indicates the percentage change from the immediately previous step.
% vs initial: shows the percentage of users who completed the process in relation to those who were redirected.

Report filters: In this part you will find the report filters, these filters will modify all the components of the page and are detailed as follows:

Date Selector: By default, the selected date range will be the current month not including the current day. The selection is at the user's discretion with no restrictions beyond a consistent range (the start date must be less than the end date). The selector contains predefined date ranges which are detailed in the upper right-hand side:

Using the Portfolio Summary screen

The following is the default screen of the Portfolio Summary dashboard, which details the relevant information associated with the portfolio. Like the other dashboards, it is divided into 3 sections:

Section 1: Field with report filters, date, stores and offers.
Section 2: Field with KPI's or main indicators of the operation.
Section 3: Field with predetermined graphs of the platform.

Section 1: Field with report filters, date, stores and offers.

Report filters: In this part you will find the report filters, these filters will modify all the components of the page and are detailed as follows:

Date Selector: By default the selected date range will be the current month not including the current day. The selection is at the user's discretion with no restrictions beyond a consistent range (the start date must be less than the end date). The selector contains predefined date ranges which are listed at the top right:

Offer Selector: This filter allows you to select the offers created in MO Manage in the defined date range, the use of the selector is the same as in the case of the trade selector:

Section 3: Field with predetermined graphs of the platform.

Main portfolio indicators: This section will show the indicators associated to the portfolio processes, each indicator is composed of: title; value in compact numbers and currency according to the project; variation, corresponding to the previous period according to the selected date range, as follows:

Selected range: from 17-10-2022 to 01-11-2022
Range to compare: from 01-10-2022 to 16-10-2022

Portfolio Charts: The charts represent the behavior of the portfolio over time, the distribution of states, and the delinquency status. They are presented as follows:

The Disbursement Graph details the behavior of the disbursement over time, this graph is dynamic and can filter the other elements of the dashboard, also, it is presented in month, week and day at the user's choice:

The Status Distribution Graph shows the total portfolio balance by loan status. This graph allows interaction by modifying all the elements of the dashboard according to the choice.

Delinquent balances are shown by segments, which are detailed as follows:

Healthy Loan: A loan that has no days of delinquent.
Delinquent 1 – 15 days: Loans 1 to 15 days overdue
Delinquent 16 – 30 days: Loans 16 to 30 days overdue
Delinquent 31 – 60 days: Loans 31 to 60 days overdue
Delinquent 61 – 90 days: Loans 61 to 90 days overdue
Delinquent over 90 days : Loans more than 90 days overdue

The related table shows the loans and principal balance by month and delinquent segments present in the selected time range

General considerations

• All filters at the top of the dashboards affect all dashboard components.
• Charts with interaction enabled affect all dashboard components.
• Only charts and tables have options available, indicators and filters do not have additional controls, these controls are detailed below:

All graphs and tables can be exported to CSV format, the resulting file contains the information related to the graph, but not the graph itself. The following procedure is used to export the information:
When the cursor is placed over the graph, the graph controls will be displayed:

Select the graph menu and then "Export":

The export options dialogue will be displayed, after configuring the options, click on "Export" :

File Upload

What is the file upload process?

The process of uploading files to MO's credit management platform is critical to the efficiency and accuracy of financial operations. This process involves the transfer of data from external files, such as JSON or CSV files to the MO credit management platform.

File uploading is a process that involves several steps including:

Preparation of data files with the established configurations and specifications.
Data validation
Uploading files through an S3 Bucket
Validation of the upload status in the Bucket S3

Once the files are successfully uploaded, the platform processes the information to update the corresponding records and apply the necessary changes, which will be reflected in the Admin portal. This process ensures that each client's financial transactions are updated.

Files

Through Bucket S3 it will be possible to upload files or update the following processes:

Create Customer
Create score customer
Create loan request
Create loan
Process loan
Create payment

File configuration

The files that are uploaded to Bucket S3 have configurations and specifications established for their successful processing and updating in the platform. The separators used in the files are pipe | or semicolon; this must be defined at the level of each project for its configuration.