namespace Loans.Entities
{
    public class Applicant
    {
        public int Id { set; get; }

        public string Name { set; get; }

        public int Age { set; get; }

        public string Address { set; get; }

        public decimal Salary { set; get; }
    }
}

namespace Loans.Entities
{
    public class LoanProduct
    {
        public int Id { set; get; }

        public string ProductName { set; get; }

        public decimal InterestRate { set; get; }
    }
}

namespace Loans.Entities
{
    public class LoanApplication
    {
        public int Id { set; get; }

        public LoanProduct Product { set; get; }

        public LoanAmount Amount { set; get; }

        public Applicant Applicant { set; get; }

        public bool IsAccepted { set; get; }
    }

    public class LoanAmount
    {
        public string CurrencyCode { get; set; }

        public decimal Principal { get; set; }
    }
}

namespace Loans.Models
{
    public class IdentityVerificationStatus
    {
        public bool Passed { get; set; }
    }
}

using Loans.Models;

namespace Loans.Services.Contracts
{
    public interface IIdentityVerifier
    {
        void Initialize();

        bool Validate(string applicantName, int applicantAge, string applicantAddress);

        void Validate(string applicantName, int applicantAge, string applicantAddress, out bool isValid);

        void Validate(string applicantName, int applicantAge, string applicantAddress,
            ref IdentityVerificationStatus status);
    }
}

namespace Loans.Services.Contracts
{
    public interface ICreditScorer
    {
        int Score { get; }

        void CalculateScore(string applicantName, string applicantAddress);
    }
}

using System;
using Loans.Entities;
using Loans.Services.Contracts;

namespace Loans.Services
{
    public class LoanApplicationProcessor
    {
        private const decimal MinimumSalary = 1_500_000_0;
        private const int MinimumAge = 18;
        private const int MinimumCreditScore = 100_000;

        private readonly IIdentityVerifier _identityVerifier;
        private readonly ICreditScorer _creditScorer;

        public LoanApplicationProcessor(
            IIdentityVerifier identityVerifier,
            ICreditScorer creditScorer)
        {
            _identityVerifier = identityVerifier ?? throw new ArgumentNullException(nameof(identityVerifier));
            _creditScorer = creditScorer ?? throw new ArgumentNullException(nameof(creditScorer));
        }

        public bool Process(LoanApplication application)
        {
            application.IsAccepted = false;

            if (application.Applicant.Salary < MinimumSalary)
            {
                return application.IsAccepted;
            }

            if (application.Applicant.Age < MinimumAge)
            {
                return application.IsAccepted;
            }

            _identityVerifier.Initialize();

            var isValidIdentity = _identityVerifier.Validate(
                application.Applicant.Name, application.Applicant.Age, application.Applicant.Address);

            if (!isValidIdentity)
            {
                return application.IsAccepted;
            }

            _creditScorer.CalculateScore(application.Applicant.Name, application.Applicant.Address);
            if (_creditScorer.Score < MinimumCreditScore)
            {
                return application.IsAccepted;
            }

            application.IsAccepted = true;
            return application.IsAccepted;
        }
    }
}

using System;
using Loans.Models;
using Loans.Services.Contracts;

namespace Loans.Services
{
    public class IdentityVerifierServiceGateway : IIdentityVerifier
    {
        public DateTime LastCheckTime { get; private set; }

        public void Initialize()
        {
            // Initialize connection to external service
        }

        public bool Validate(string applicantName, int applicantAge, string applicantAddress)
        {
            Connect();
            var isValidIdentity = CallService(applicantName, applicantAge, applicantAddress);
            LastCheckTime = DateTime.Now;
            Disconnect();

            return isValidIdentity;
        }

        private void Connect()
        {
            // Open connection to external service
        }

        private bool CallService(string applicantName, int applicantAge, string applicantAddress)
        {
            // Make call to external service, interpret the response, and return result

            return false; // Simulate result for demo purposes
        }

        private void Disconnect()
        {
            // Close connection to external service
        }

        public void Validate(string applicantName, int applicantAge, string applicantAddress, out bool isValid)
        {
            throw new NotImplementedException();
        }

        public void Validate(string applicantName, int applicantAge, string applicantAddress,
            ref IdentityVerificationStatus status)
        {
            throw new NotImplementedException();
        }
    }
}

        public LoanApplicationProcessor(
            IIdentityVerifier identityVerifier,
            ICreditScorer creditScorer)
        {
            _identityVerifier = identityVerifier ?? throw new ArgumentNullException(nameof(identityVerifier));
            _creditScorer = creditScorer ?? throw new ArgumentNullException(nameof(creditScorer));
        }

<Project Sdk="Microsoft.NET.Sdk">
  <PropertyGroup>
    <TargetFramework>netcoreapp2.2</TargetFramework>
  </PropertyGroup>
  <ItemGroup>
    <ProjectReference Include="..\Loans\Loans.csproj" />
  </ItemGroup>
  <ItemGroup>
    <PackageReference Include="Microsoft.NET.Test.Sdk" Version="16.3.0" />
    <PackageReference Include="MSTest.TestAdapter" Version="2.0.0" />
    <PackageReference Include="MSTest.TestFramework" Version="2.0.0" />    
  </ItemGroup>
</Project>

using Loans.Entities;
using Loans.Services;
using Microsoft.VisualStudio.TestTools.UnitTesting;

namespace Loans.Tests
{
    [TestClass]
    public class LoanApplicationProcessorShould
    {
        [TestMethod]
        public void DeclineLowSalary()
        {
            var product = new LoanProduct {Id = 99, ProductName = "Loan", InterestRate = 5.25m};
            var amount = new LoanAmount {CurrencyCode = "Rial", Principal = 2_000_000_0};
            var applicant =
                new Applicant {Id = 1, Name = "User 1", Age = 25, Address = "This place", Salary = 1_100_000_0};
            var application = new LoanApplication {Id = 42, Product = product, Amount = amount, Applicant = applicant};
            var processor = new LoanApplicationProcessor(null, null);
            processor.Process(application);

            Assert.IsFalse(application.IsAccepted);
        }
    }
}

public class LoanApplicationProcessor
{
    private const decimal MinimumSalary = 1_500_000_0;

Test method Loans.Tests.LoanApplicationProcessorShould.DeclineLowSalary threw exception:
System.ArgumentNullException: Value cannot be null.
Parameter name: identityVerifier

        public LoanApplicationProcessor(
            IIdentityVerifier identityVerifier,
            ICreditScorer creditScorer)
        {
            _identityVerifier = identityVerifier ?? throw new ArgumentNullException(nameof(identityVerifier));
            _creditScorer = creditScorer ?? throw new ArgumentNullException(nameof(creditScorer));
        }

> dotnet add package Moq
> Install-Package Moq

using Loans.Entities;
using Loans.Services;
using Loans.Services.Contracts;
using Microsoft.VisualStudio.TestTools.UnitTesting;
using Moq;

namespace Loans.Tests
{
    [TestClass]
    public class LoanApplicationProcessorShould
    {
        [TestMethod]
        public void DeclineLowSalary()
        {
            var product = new LoanProduct {Id = 99, ProductName = "Loan", InterestRate = 5.25m};
            var amount = new LoanAmount {CurrencyCode = "Rial", Principal = 2_000_000_0};
            var applicant =
                new Applicant {Id = 1, Name = "User 1", Age = 25, Address = "This place", Salary = 1_100_000_0};
            var application = new LoanApplication {Id = 42, Product = product, Amount = amount, Applicant = applicant};

            var mockIdentityVerifier = new Mock<IIdentityVerifier>();
            var mockCreditScorer = new Mock<ICreditScorer>();

            var processor = new LoanApplicationProcessor(mockIdentityVerifier.Object, mockCreditScorer.Object);
            processor.Process(application);

            Assert.IsFalse(application.IsAccepted);
        }
    }
}

using Loans.Entities;
using Loans.Services;
using Loans.Services.Contracts;
using Microsoft.VisualStudio.TestTools.UnitTesting;
using Moq;

namespace Loans.Tests
{
    [TestClass]
    public class LoanApplicationProcessorShould
    {        
        [TestMethod]
        public void Accept()
        {
            var product = new LoanProduct {Id = 99, ProductName = "Loan", InterestRate = 5.25m};
            var amount = new LoanAmount {CurrencyCode = "Rial", Principal = 2_000_000_0};
            var applicant =
                new Applicant {Id = 1, Name = "User 1", Age = 25, Address = "This place", Salary = 1_500_000_0};
            var application = new LoanApplication {Id = 42, Product = product, Amount = amount, Applicant = applicant};

            var mockIdentityVerifier = new Mock<IIdentityVerifier>();
            var mockCreditScorer = new Mock<ICreditScorer>();

            var processor = new LoanApplicationProcessor(mockIdentityVerifier.Object, mockCreditScorer.Object);
            processor.Process(application);

            Assert.IsTrue(application.IsAccepted);
        }
    }
}

_identityVerifier.Initialize();
var isValidIdentity = _identityVerifier.Validate(
    application.Applicant.Name, application.Applicant.Age, application.Applicant.Address);