Bank and Credit Use Cases

Introduction

Bank and Credit Reports are largely intended for companies that need to verify existing loans and liabilities of customers.

Information you can get from the Bank and Credit Report:

What loans are existing?
Which banking fees is the customer paying?
How much cash does the customer need and how often does the customer use his credit card?
Which other liabilities does the customer have?

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

Actors	Bank User
Systems	Bank’s loan application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Determine loans and credits of a customer Find out what other liabilities a customer has
Preconditions	User has opened the Bank's online loan application
Flow	Bank’s loan application asks customer to import all accounts Open finAPI Process Controller and get process token and user Call finAPI WebForm v2 to let the user import the accounts wait until user has finished Call finAPI Data Intelligence Synchronize accounts endpoint and wait for callback Callback should create a Case and a Bank and Credit Report with the given Data Sources Get the result of the Bank and Credit Report Look into the result to get all Bank and credit related transactions and aggregations

Actors	Bank User
Systems	Bank’s loan application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Find out if the customer pays current account or credit card fees Find out what loans the client currently has and whether it would make sense to restructure them.
Preconditions	User has opened the Bank's online loan application
Flow	Bank’s loan application asks customer to import all accounts Open finAPI Process Controller and get process token and user Call finAPI WebForm v2 to let the user import the accounts wait until user has finished Call finAPI Data Intelligence Synchronize accounts endpoint and wait for callback Callback should create a Case and a Bank and Credit Report with the given Data Sources Get the result of the Bank and Credit Report Look into the result to get all Bank and credit related transactions and aggregations