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.
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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.
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
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.
Consumer Loan Analysis
Designed to help consumer lenders dig deep into borrowers’ financial profiles by providing granularity on individual income sources.
Consumer Loan Analysis Attributes Samples
Employer Income
Estimated annual net
Total detected
Total NSF
Frequency
Last 2 deposit dates
NSFs on day of employer income
NSFs on day of government income
And more
Business Analysis
Built to help commercial lenders review loan applications efficiently, with an at-a-glance overview of the applicant’s operational income and expenses across their business accounts.
Business Analysis Attributes Samples
Operating Income
Insurance deposits
Branch deposits
Business loan deposits
Other vendor deposits
Mortgage loan deposits
Tax rebates/refunds
Vendor expenses
Utility payments
Telecom payments
And 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.
“It’s all about understanding our customers—and Flinks provides the best insight into consumer behaviour that exists.”
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