You already had a closer look on our Open Banking products and would like to learn more on Worldline Credit Insight?
Credit Insight, is an Open Banking Product which is based on an AIS collection of transaction data for the selected client. The Credit Insights Service takes the raw balance and transaction data from the bank and transforms this into an insightful financial report. All of the transactions are categorized with a specific focus credit, important data is flagged (e.g. loans, payment rejections) and useful metrics are calculated. All of this is delivered by API to provide an instant analysis based on data retrieved directly from the consumer’s bank. There are some prerequisites to be consider, if an Credit Insight analysis should be provided:
At least one CHECKING account is provided, 20 transactions within the last 90 days, the transaction currency must be Euro and -an URL for callback must be provided in advance.
Workflow:
The Initiating Party (you) posts and initiates a registration for the client, and chooses the relevant product option. Worldline responds with the appropriate URL for the consent and AIS session, and the client is then redirected to Worldline bank selection pages. Once the client has selected its bank(s) and accounts, Worldline collects the transactions and balances for the last three months from the bank(s). The Credit Insight analysis is performed, and once the results are available, they are sent to the Initiating Party's callback URL.
For Credit Insight the relevant and usable endpoints are within the Account Information extended service.
Learn more? Please consult the Credit Insight section
Additionally you should also check the following sections:
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Access Management Module
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Reach directory - to consult what banks are connected to our platform and how you can identify implementation differences across banks
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Bank Selection Interface - to implement Worldline's predefined screens for bank selection and redirection to/from the bank
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Back Office (optional) - in case you would like to manually check your transactions or manage setup of your clients in Worldline's systems
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Credit Scoring dashboard (optional) - to check balances and transactions used for credit score calculation