Account Information Service (Auto import)

Summary

Our Account Information Service (AIS) allows you to import data from an end-user’s account in any supported bank into your system. By default, it requires integrating with the Kontomatik API and processing a lot of data. However, if you prefer not to store sensitive banking data on your servers or simply want to avoid the API integration, the Auto import feature is the perfect choice.

With Auto import, upon successful user login, the data import starts automatically, and the results are available in Insight.

How to use

Unlike with the regular AIS integration, Auto import does not require you to handle data imports on your server; everything is processed on Kontomatik’s side. To get started:

1. Register on the Insight platform
2. Get your Client ID from Insight
3. Embed the SignIn Widget on your website and configure the Auto import mode, specifying the number of months of history you require

Optionally you can implement some more advanced features on your side, e.g.:

• Generating your own unique owner ID ownerExternalId to help identify the imports in Insight.
• Saving information about the process result (successful/erroneous user authorization).
• Handling the user journey and redirecting them further in the process.

Sample process flow

1. A user visits your website and fills in a form to start the process.
2. The user is redirected to the step where the SignIn Widget is placed.
3. The user goes through the bank authorization.
4. The onSuccess callback is triggered, allowing you to redirect the user to another step in your process.
5. At this point, the user’s participation ends, and you can inform them that they will be notified later about the result of the bank verification.
6. When the data is downloaded, it will show up in Insight for manual review.
7. Inform the user about the status of the verification or your decision regarding their application.

Auto import with the SignIn Redirection

Although it may be a bit unorthodox, you can use the Auto import feature with the SignIn Redirection. You might want to do so if you just don’t want to process financial data on your servers, don’t mind the API integration and want to create some kind of automation based on the log in process result.

To combine SignIn Redirection with Auto import all you have to do is implement SignIn Redirection as per this article, and in the SignIn Flow parameters include the autoImport settings in the same way as for the SignIn Widget. After you get the redirection callback or check the redirection status, you don’t have to process the session data and simply wait for the import result to appear in Insight.

Data coverage

The Auto import downloads all available data from the end-user’s bank account into the Insight portal, including:

• Owner data
• Accounts list and transactions
• Credit cards list and transactions

Each bank is different and offers a unique set of details. You can check our Coverage to find which banks we support and what data scope they offer.

Additionally, if you’ve purchased optional services:

• Labeling - labels will be visible next to the transactions in Insight
• Scoring - you will be able to calculate scores for a given account owner

Auto import vs full integration

Choose between Auto import and full integration based on your needs:

• Auto import:
  • Ideal for companies with limited IT resources.
  • No need to automate or process bank data on your servers.
  • Recommended for those who do not wish to store sensitive data locally.
• Full integration:
  • Provides full control over data.
  • Allows you to analyze, present, or process data in a custom way.

For a detailed comparison, refer to our User Guide on Auto import vs. Full Integration.

To learn more about the Single Access service, check out our Single Access article.