Technical Implementation
Data Analysis Points
📈
Income Verification
Multiple income sources analysis
🏦
Account History
Account age and transaction patterns
⚠️
Risk Assessment
NSF fees and overdraft analysis
📊
Balance Analysis
Average balances after income
Webhook Response Data
const webhookPayload = {
lead_id: "unique_identifier",
decision: "approved" | "rejected",
application_information: {
name: "John Doe",
dob: "1990-01-01",
language: "en",
phone: "+1234567890",
email: "john@example.com",
address: "123 Main St",
province: "ON"
},
flinks_information: {
number_of_stop_payment_reversals: 0,
number_of_stop_payments: 0,
account_age: 365,
nsf_day_of_income: 0,
nsf_day_after_income: 0,
overdraft_fees: 0,
overdraft_capacity: 1000
},
main_employer: {
frequency: "bi-weekly",
last_2_pay_dates: ["2024-01-15", "2024-01-01"],
average_balance_day_after_income: 2500,
decision: "approved",
credit_limit: 5000
}
};
Key Benefits
⚡
Lightning Fast
Instant loan decisions in under 30 seconds
🔒
Secure Integration
Bank-grade security with Flinks
🎯
Accurate Decisions
Advanced algorithms reduce false positives
🔄
Real-time Processing
No delays, instant results
📧
Automated Notifications
Email alerts to all stakeholders
🔗
Easy Integration
Simple API connection
Decision Factors
🔍 Comprehensive Analysis
Account Health: Analyzes account age, transaction history, and banking patterns
Income Stability: Evaluates multiple income sources and payment frequency
Risk Indicators: Reviews NSF fees, overdrafts, and stop payments
Financial Behavior: Assesses balance patterns after income deposits
📈 Smart Algorithms
Machine Learning: Continuously improving decision accuracy
Real-time Processing: Instant analysis of financial data
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