Balance Check Use Cases

Introduction

The Balance Check Report provides an overview if an amount is available on the imported account, or not.

Information you can get from this report:

Is the customer able to pay the required amount?
Does the customer have to use his overdraft limit for the payment?

The following use cases are examples to make them more “plastic”.

Retail companies

UC-01: Verification that the customer can afford a particular product

Actors	Retail Company User
Systems	Retail company’s application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Check the amount of money, the customer has on the bank account Verify, if the customer can afford a particular product
Preconditions	User has opened the Bank's online loan application
Flow	Import account data with finAPI WebForm or finAPI OpenBanking Access Synchronize the account data to Data Intelligence for starting analysis Execute a Check to get the result immediately

Banks

UC-02: Validate the specified equity

Actors	Bank User
Systems	Bank's loan application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Verify that the customer really has the amount of money indicated in the credit application on the account
Preconditions	User has opened the Bank's online loan application
Flow	Import account data with finAPI WebForm or finAPI OpenBanking Access Synchronize the account data to Data Intelligence for starting analysis Execute a Check to get the result immediately