VOA and VOI Reports with Connect Full

Guide specific to the lending industry. There are additional guides you should read prior to going through this guide.


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 generate reports on the account financial data for their customers to provide them the required service.

Finicity Connect allows a consumer to sign into their financial institution (FI) and permission Finicity to gather data from their accounts.  Finicity completely hosts Finicity Connect. 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 two different ways:

  • 1

    A Redirected URL

  • 2

    Directly Embedded Into the Application

This guide will describe in detail how to use Finicity Connect, how to integrate it into your application, how to manage and receive Finicity Connect events, and how to manage and receive report generation events.

Related Guides

Create Customer

First step in connecting a customer is creating a customer record in the Finicity API. A Finicity customer record represents your borrower and is the parent record for all other financial data such as account data and transaction data.

Create Consumer

In addition to creating a customer, to generate financial reports for a customer you must create a consumer record which is attached to that customer. The consumer record on creation will require all of the necessary customer data elements for the customer to be able to review and dispute any reports through the consumer portal.

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 the lending industry use case you would call the specific type of report that you are wanting to generate for the customer, for example “voa” or “voi”. This will give the customer a list of financial management certified connections to choose from for that report type.

After a customer goes through the connect experience a report of the connect type given will be generated. For example if you call for type “voa” a “VOA” report type will be generated by default when the customer is done.

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 – Web

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 Webhooks 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.