NOT_STARTED | Default. Report is pending and sign-in process has not begun. |
IBV_LINK_CLICKED | Borrower has clicked on the sign-in link to borrower portal. |
BACKEND_PULL_STARTED | Data pull has started. |
DEACTIVATED | Report was incomplete and deactivated by a Reauth report being created for same borrower. |
CHALLENGED | The borrower has been presented with a multi-factor authentication |
PREVENTED | The borrower entered invalid credentials |
DENIED | The borrower entered invalid credentials |
REJECTED | A multi-factor authentication was answered incorrectly |
LOCKED | The financial institution is preventing authentication. The borrower must contact the financial institution |
IMPEDED | The borrower’s attention is required at their online banking institution, e.g., there is a marketing message that must be viewed, terms and conditions that must be accepted, etc. |
EXPIRED | The MFA answer was not provided within the time allotted by the financial institution |
IMPAIRED | The borrower is missing some or all credentials needed in order to connect |
EMPTY | Connection to institution was successful, but no transactions present in past 90 days for all accounts at institution. |
FAILED | An error occurred in Lokyata system. |
COMPLETED | Sign in process is successfully complete and report is ready to review. |