NEED_VERIFICATION Guide for Blacklist Check API Result

This guide explains how to interpret the result of a Blacklist Check API call, specifically focusing on a response where recommendation is NEEDS_VERIFICATION. This status typically indicates that additional review is required to assess the applicant's risk level.

Request
{
"name": "SITI CHURIAH",
"idNumber": "3173054609790011",
"phoneNumber":{
"countryCode":"+62",
"areaCode":"",
"number":"85775095213"
} 


Response
{
"code": "SUCCESS",
"message": "OK",
"data": {
"recommendation": "NEEDS_VERIFICATION",
"defaultListResult": [{
"eventTime": "01/2019",
"productType": "CASH_LOAN",
"hitReason": "Mobile",
"reasonCode": "OVERDUE_DAYS_BETWEEN_60_TO_90"
}

In this example, the hit is only on "Mobile". This means the recommendation showed NEEDS_VERIFICATION. Your side may require additional data points to make a full decision.

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