Data Aggregation
Summary
Kontomatik allows you to combine data for a single end-user from different sources and banks using a unique identifier called ownerExternalId. By aggregating this data, you can use tools like Scoring or Data Summary to analyze the user’s complete financial profile, just using the same ownerExternalId.
Source of the data
You can collect and aggregate data from:
- Account Information Service
- PDF Statements Parsing
- Owner Upload
The same source can be used multiple times, and data can come from different banks.
ownerExternalId
The ownerExternalId is a unique identifier that connects all the data for your client within the Kontomatik system. You can create this ID in any way you like, such as using a loan application number or a customer ID from your system.
Sample use cases
Combining data from multiple banks
Suppose a customer has accounts in three different banks, and you want to calculate their Scoring based on all these accounts. To achieve this, simply provide the same ownerExternalId for all three AIS processes in the SignIn Widget parameters. Kontomatik will link the data from all these banks, enabling you to calculate a Scoring that reflects the user’s full financial situation.
Adding data from a PDF statement
Let’s say the customer has already provided their AIS data but also wants to share a PDF statement from another bank. To combine this new data with the existing AIS data, use the same ownerExternalId that you’ve already provided in the SignIn Widget when sending a PDF to our API or as a parameter in the PDF Widget. Kontomatik will combine this data together.
Please note that aggregated data is available exclusively through the data.xml endpoint. Import commands such as default-import.xml or statement.xml will only return data specific to the respective import.
