What is BL+?
BankLOGIN+ ("BL+" or "BLP") enables businesses to evaluate a customer's ability to pay/repay with bank account insights.
It combines the latest bank intelligence and decisioning analytics to expose 8,400+ attributes and 9 risk scores per applicant with easy-to-understand recommendations.
Once a bank account information and transactions are collected (through the CONNECT widget or from an external bank aggregator), our analytics engine generates attributes, risk scores, and recommendations within seconds.
Is this the right product for my business?
ValidiFI's REST API contains 3 INSIGHTS products:
- BankQUALIFY - Use basic PII and account/routing number to quickly identify the lead quality.
- BankVERIFY+ - Use basic PII and account/routing number for deep insights and recommended actions.
- BankLOGIN+ - Use credentialed account and transaction information to uncover thousands of attributes and recommended actions.
All three INSIGHTS products can be used through the ValidiFI API.
|Identify ownership, fraud risk, basic affordability||✔||✔||✔|
|Requires basic PII and account/routing number (non-credentialed)||✔||✔|
|Requires transaction data from bank login (credentialed)||✔|
|Instant results through REST API||✔||✔||✔|
|Can be used through the CONNECT user interface||✔||✔|
|Light weight, sub-second response time||✔|
|Advanced analytics with over 1000 calculated attributes||✔||✔|
|Custom decisioning rulesets||✔||✔||✔|
You may consider using BankQUALIFY to catch the most blatant issues, then using BankVERIFY+ to gain deeper understanding with minimal customer effort. You could then waterfall some concerning leads from BankVERIFY+ into a bank login to gain transaction data and then into BankLOGIN+ for thousands of attributes and deep understanding of those transactions.
BankLOGIN+ can be called through API if you already have transaction information, or that information can be gathered from the CONNECT interface.
Find more details about available scores and attributes in the Data Results section.
The use of BankLOGIN+ requires you to submit payment data back to ValidiFI. Click here for information about submitting payment data.