Orientation and Selection

General guide for Finicity Connect to understand it and choose a version for implementation

Prerequisites

Connect Overview

Finicity Connect is an embeddable HTML application that makes it easy for financial applications to integrate with Finicity’s suite of API’s. Applications will use Finicity Connect to allow their customers to connect their financial accounts. After the accounts are connected the partner application can retrieve the account financial data for their customers to provide them the required service.

After a customer has connected an account the data can also then be used for generating reports in the lending industry.

Finicity Connect allows a customer to sign into their financial institution (FI) and permission Finicity to gather data from their accounts.  Finicity hosts Finicity Connect in it’s entirety. This assures the partner does not have exposure to consumer credentials and authentication information.

Finicity Connect is also required for financial institutions that are secured through OAuth. Connect manages the instructions and proper redirection to the financial institution website. For more details on OAuth connections see our OAuth Connections Guide.

Finicity Connect can be integrated into your application in different ways:

  • 1

    A Redirected URL

  • 2

    Directly Embedded Into A Web Application

  • 3

    Directly Integrated VIA SDK Natively Into A Mobile App

This guide will describe two types of Finicity connect implementation flows, in detail how to use Finicity Connect, how to integrate it into your application, and how to manage and receive Finicity Connect events.

Finicity Connect Full Experience

Out of the box Finicity Connect is an application that completely manages the account on-boarding for customers. This includes the following:

  • Acceptance of terms of use and consent

  • Financial institution list for customer to choose from as well as capabilities to search for a financial institution

  • Authentication and login process for each institution including handling of Multi Factor Authentication challenges

  • Summary and confirmation page of added accounts

  • Ability to maintain login information for accounts when needed

Finicity Connect allows application developers to focus on their specific expertise and application while leaving account connection and maintenance to Finicity.

Finicity Connect Lite Experience

Finicity Connect Lite is for the application developer that wants as much control as possible of the customer experience. Lite is the essential pages for handling credentials and multi factor authentication information that must be handled by Finicity. When using connect lite you present the customer with your own financial institution search and your own account management page and then use Finicity for handling authentication for the specific FI.

Create Customer

First step in connecting a customer is creating a customer record in the Finicity API.  A Finicity customer record represents the individual that is permissioning their financial accounts.

Get Fincity Connect Link

The next step is generating a Finicity Connect link. This link is specific to the customer, and is used to permission access to the FI and add accounts. The finicity connect link is called for a specific flow or use case (called a Connect type). For a specific industry or product you will use a specific type as indicated in other industry specific guides. You can also see a full list of possible types in the generate connect url article below. For connect lite you use the type “lite” for the specific FI the customer is adding accounts for.

Integrate Finicity Connect URL Into Your Application – Web

Having received the Connect URL, you can integrate the Finicity Connect experience into your application. For the web application experience, you can choose to redirect to a new page, or use the SDK to embed it into your application, following the instructions in the link below.

Integrate Finicity Connect URL Into Your Application – Mobile

For mobile integration, please follow these instructions on how to integrate it into your mobile app.

Connect Webhook Events

We know that while your customer is in the Finicity Connect flow, it is important to understand what they are doing and what their experience is like. To facilitate this, we have provided webhook events that will be sent to the webhook URL you pass in the Generate Connect API call. For a detailed guide of the webhook events you will receive, see the webhooks details link below.

Connect Route Events

In addition to webhook events we also provide route events that you can use to receive more immediate updates on application behavior, directly in the browser. Instructions on how to utilize those can be found here.

Utilizing Analytics Systems For Connect

We support passing google or adobe analytics data into the calls as well for tracking. See the article for more details.