Level up your business with the most powerful financial data

Leverage deep, actionable insights, no matter where you get your financial data. Flinks Enrichment is the smart analytics layer on top of your raw financial data that does the heavy lifting for you.

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Trusted by
Stripe flinks client

Why Enrichment?

Flexible
integration

Leverage as a part of Flinks’ data connectivity platform, or as a standalone analytics engine on top of your data source

Highly accurate
reporting

Gain a deeper understanding of your desired data points through rich and consumable reports

Out-of-the-box digital transformation

Empower your teams with reliable and relevant data, making easy work of your digital transformation journey

How it works

Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations or open-banking providers—extracting actionable, model-ready insights couldn’t be easier.

Ingest raw data

Sync your raw financial data in any format—you have the power to decide on your own data source; be it with Flinks, or through your own third-party provider.

Transform into structured data

Your data is cleansed, organized and categorized into a standardized format, with high accuracy labelling and nearly zero miscategorizations.

Consume model-ready insights

Choose from over +1,800 attributes that provide enriched data output via our Attributes library, offering your business tailored and ready-to-use data in the form of trends, ratios, and predictive insights.

Use cases that power your

user analysis
income detection
fraud prevention
credit risk analysis
customer segmentation
desired outcome

User Analysis

Obtain a comprehensive picture of your client’s financial situation with a combination of income, fraud, and risk insights.

User Analysis Attributes Samples

Average monthly employer income

Average monthly non-employer income

Average monthly government income

Account age in days

Unusual recent account activity

Trend of employer income

Number of days with a negative balance

… Plus all the Attributes from Income Detection, Fraud, and Credit Risk Analysis packages

Income Detection

Receive concise, actionable insights around your clients’ current streams of Income, separated into three main categories: Employment, non-employment & holistic.

Income Detection Attributes Samples

Average monthly employer income

Sum of employer income deposits

Trend of employer Income

Average monthly government income

Average monthly non-employer income

Average monthly total free cash flow

Sum of total credits by month

Trends of total deposits

And more

Fraud Prevention

Speed up onboarding and fraud analysis using Transactional Data elements as a flag system. Understand your customers' activities, and automatically flag unusual accounts.

Fraud Attributes Samples

Account age

Count of active days

Unusual recent account activity

Unusual recent debit activity

Sum of recent load deposits

Average monthly recurring payments

Recent balance trend

Recent to historical usage ratio

Credit Risk Analysis

Receive direct inputs for your credit risk models and transactional analysis. Gain a clear understanding of your client’s financial position, income metrics and contributing risk factors.

Credit Risk Analysis Attributes Samples

Average monthly employer income

Trend of employer income

Trend of non-employer income

Average amount of monthly utility & telecom payments

Number of days with a negative balance

Minimum balance across detected accounts

Count of NSF Fees

Average monthly micro-loan payments

And more

Customer Segmentation

Advanced customer segmentation drives higher retention rates and customer lifetime value.

Customer Segmentation Attributes Samples

Organize information, establish patterns, and clarify your client’s needs to take relevant actions.

Divide your prospect pool into smaller groups that can be targeted based on their different needs.

Read more

Custom Attributes

We provide a multitude of Attributes to help you create better products or to improve your processes.

Custom Attributes Samples

Each data attribute reveals an aspect of your clients’ financial profile and consumer behaviour.

Like building blocks, they can be pieced together to create a far deeper understanding of your clients’ behavior.

To inquire about your custom Attributes packages, talk to an expert today.

User Analysis Attributes Samples

Average monthly employer income

Average monthly non-employer income

Average monthly government income

Account age in days

Unusual recent account activity

Trend of employer income

Number of days with a negative balance

… Plus all the Attributes from Income Detection, Fraud, and Credit Risk Analysis packages

Income Detection Attributes Samples

Average monthly employer income

Sum of employer income deposits

Trend of employer Income

Average monthly government income

Average monthly non-employer income

Average monthly total free cash flow

Sum of total credits by month

Trends of total deposits

And more

Fraud Attributes Samples

Account age

Count of active days

Unusual recent account activity

Unusual recent debit activity

Sum of recent load deposits

Average monthly recurring payments

Recent balance trend

Recent to historical usage ratio

Credit Risk Analysis Attributes Samples

Average monthly employer income

Trend of employer income

Trend of non-employer income

Average amount of monthly utility & telecom payments

Number of days with a negative balance

Minimum balance across detected accounts

Count of NSF Fees

Average monthly micro-loan payments

And more

Customer Segmentation Attributes Samples

Organize information, establish patterns, and clarify your client’s needs to take relevant actions.

Divide your prospect pool into smaller groups that can be targeted based on their different needs.

Read more

Custom Attributes Samples

Each data attribute reveals an aspect of your clients’ financial profile and consumer behaviour.

Like building blocks, they can be pieced together to create a far deeper understanding of your clients’ behavior.

To inquire about your custom Attributes packages, talk to an expert today.

“It’s all about understanding our customers—and Flinks provides the best insight into consumer behaviour that exists.”

Tyler Thielmann, VP of Consumer Lending, Spring Financial

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