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Introduction

Overview

Kontomatik reads data from banks.

Kontomatik is able to read personal data, account balances and full statements from any supported bank.

To do that, Kontomatik will need end-user bank credentials (most often a bank login and password).

To ask the end user for his bank credentials, we offer a widget that you can easily paste into your website. The widget looks like this:

SignIn Widget

After the end-user has signed in, Kontomatik automatically extracts all of his data from the chosen online bank.

Data includes personal details, account(s) list and transaction histories. The import process takes a few seconds to complete; for online accounts exceptionally rich in data, it can take up to a few minutes.

The next and final step is to visit the Insight web application, where you can inspect the end-user’s data.

From Insight you can gauge the customer’s credit-worthiness at a quick glance, for on top of the imported raw data we provide financial analytics and visual aids which summarize the key points and help the assessment.

Thus, Insight shows cash-flow and income-sources graphs, the proprietary Kontomatik Financial Health rating, list of labeled transactions and even a Google Maps street view image of the end-user’s neighborhood.

Currently, the Insight dashboard looks something like this.

Insight screenshot

Test access

Use the test access for testing the service.

The test access is fully-featured and unrestricted, including real data import.

We kindly ask you to not use it for production purposes.

Request test access at kontomatik.com.

Production access

To request your production access, please contact our Sales.

How does it work?

How can I start?

That’s all! Go to your website and try it out.

SignIn Widget

Kontomatik SignIn Widget is an HTML5 iframe element that you embed on your website by calling our JavaScript.

Embedding the widget

<!DOCTYPE html>
<html>
<head>
  <script src="https://signin.kontomatik.com/assets/signin-widget.js">
  </script>
</head>
<body>
  <div id="kontomatik"></div>

  <script>
    embedKontomatik({
      client: 'YOUR_CLIENT_ID', // TODO: replace with your client id
      divId: 'kontomatik',
      onSuccess: function() {
        /*
          End user successfully signed in to the bank.
          Kontomatik started importing data in the background.
          It will take from a few seconds to a few minutes.
          To simplify things we assume everything will go well with the data import.
          Lets show the finishing message to the user already!
        */
        // TODO: customize it to your needs
        var kontomatikDiv = document.getElementById("kontomatik");
        kontomatikDiv.innerHTML = "Thank you! We will review your application and get back to you shortly.";
      },
      country: 'es',  // TODO: pick your country
      locale: 'en',   // TODO: pick your locale
      ownerExternalId: null,  // TODO: replace null with anything that will allow you to match the Insight financial reports with your end user
      showFavicons: true,
      autoImport: {
        sinceMonths: 3
      }      
    });
  </script>
</body>
</html>

Please take the example on the right as a proven starting point.

To manually embed the widget on your web page: