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Onboard more users by offering to upload bank statements alongside standard bank linking. Flinks document processing and authentication is a feature that you can enable in Flinks Connect and in your Flinks Dashboard to process, authenticate, and extract data from bank statements. If you’re already using Flinks, you’ll get the data in the same format you are used to via the Flinks Dashboard or API. Use this feature if you want to:
  • Increase your application volume and reduce drop-off by giving users a faster, simpler way to share their financial data.
  • Save time and costs associated with manually reviewing statements.
  • Automate your current document-processing flows.
  • Add an extra layer of security that includes robust fraud detection with actionable verdicts: Trust, Normal, Warning, or High Risk documents, allowing you to be confident in the data.

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How it works

Flinks offers two ways to enable document uploads in your flow: Primary or only as a Fallback. However, you can also send your users a direct link to an upload-only flow. You must choose one of these configurations. When set as the Primary option, users will see the choice to either link their bank account or upload bank statements right after selecting their institution. Additionally, the fallback logic (e.g., if login fails or the institution isn’t listed) is also enabled under the Primary configuration. This ensures that users can always upload statements if the direct bank connection doesn’t work. In other words, the “fallback” behaviour is built into the Primary setting. With the Primary option, the “Select a connection method” screen is enabled.

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Upload files as a Fallback option

With Fallback enabled, the “connection method” screen is disabled, and users are first required to attempt to link their bank. If they encounter an issue, such as a failed login, wrong credentials, inactivity, or an unlisted institution, only then does the option to upload bank statements appear. The user can’t find their Institution when searching in the institution list. Upload statements when the user doesn’t remember their username or password. With fallback enabled, your users will also see the option to upload after inactivity. By adding /Upload to your Flinks Connect URL, you can also send your users to an upload-only flow. By using parameters in Flinks Connect, you can customize the wording to specify how many bank statements you want to collect from users.

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What can I upload?

For more information on the files that you can upload to Flinks Connect or are in your Flinks Dashboard, review the following table: