Get access to your customers’ employment, incomes and debt data in real-time.
Easily capture & process financial data from its source to supercharge your underwriting and verification flows
Plug&play integration
Permission-based data
Secure & private
TYPE OF DATA YOU CAN ACCESS WITH BANKFLIP
Employment-related incomes
Incomes from salary as well as unemployment, pensions, or retirement
Real estate assets
Incomes from house property or lands
Investments/capital assets
Incomes from investment or from capital assets
Profits-related incomes
Incomes coming from profits in businesses
Other source of incomes
Incomes coming from other sources such as Cryptos and inheritance
Available for:
Current employer info
Current employer info including fiscal name and VAT number
Current employment situation
Current employment situation of a person including employed, freelancer retired, unemployed, etc.
Employment history
The list of different employment statuses and payers a person has
Certificates from the Employment agency
Such as certificate of unemployment, retirement or any other special condition
Available for:
Credit overview
All credit products a person has including credit cards loans, mortgages, etc.
Financial entity info
Information about the financial institutions that have financial rights with a person
Current credit/debt amounts
Including credit cards limits and mortgages standing amount
Other debt-related data
Other debt-related information including type of debt, guarantees
Available for:
Improve your conversion and cut your costs down by adding Bankflip to your journeys ⚡️
WHY BANKFLIP
Get the full financial picture of your customers to make more informed decisions 😎
Streamline permission-based access to financial data from the most relevant data sources with a single integration. Easy peasy!
Holistic financial picture
All employment, sources of incomes & debt
Industry-leading coverage
100% of the workforce + unemployed + retired
Single point of access
Access to financial data with a single integration
Verified & reliable by default
Directly collected from govs
One-off or recurrent access
Permission to access one-time or recurrently
HOW IT WORKS
The customer reviews and consents the access to her data 👍
Launch directly from your app, website or email
Embedded within your applications or launched via URL
Explicit consent
Data is clearly explained and explicitly consented
She selects her preferred login method 🔓
Dynamic login methods
Dynamic methods availability for the best possible UX
Unique login for all required data
Single login per connection even accross data sources
One-off and/or recurrent access
One-time and recurrent use cases in a single interaction
She selects her preferred login method 🔓
Dynamic login methods
Dynamic methods availability for the best possible UX
Unique login for all required data
Single login per connection even accross data sources
One-off and/or recurrent access
One-time and recurrent use cases in a single interaction
She confirms and/or signs the operation(s) ✍️
Secured authentication
Authentication against Public Administrations
Qualified Electronic Signatures (QES)
eIDAS-compliant certificate issuance for advanced connections
Voilá! ✨
Automatically & securely retrieved data
Data is directly available via webhook/endpoint. Say bye to emails!
Data transparency
A copy of the data collected is shared with the end customer
Voilá! ✨
Automatically & securely retrieved data
Data is directly available via webhook/endpoint. Say bye to emails!
Data transparency
A copy of the data collected is shared with the end customer
Try it yourself!
Play around with our demo of fiscal data from the Spanish Tax Agency (Agencia Tributaria).
⚠️ The demo really connects with the Spanish Tax Agency. You need to be a Spanish resident in order to try it.
Book a call with us for further info and/or book a full demo 😁
ENABLE DISRUPTION AT SCALE
Supercharge your solutions with real-time and automatic access to your customers’ financial data 🦾
Digital lending
Improve pre-scoring and scoring SLA, UX and conversion
Online mortgage brokers
Qualify your leads with pre-captured data
Revenue-attached lending
Build new and more flexible repayment options
Car renting
Underwrite your customers faster and fully-digital
Insurtech
Enable digital onboarding for your customers
Digital banking
Fast-forward your digital onboarding with a few clicks
Crypto onboarding
AML-compliant onboarding with perfect UX
Tax planning platforms
Automate data capturing to improve your value proposition
Legaltech
Digitize documentation collection for complex compliance
HRtech
Verify employment history of potential candidates
Edtech & education
Monitor alumni’s employment status to get data-driven insights for your programs
Industry disruptors
Enable new use cases based on employment, incomes or debt/risk data to transform industries!
BENEFITS
What are the benefits for you?
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- Increased operational efficiency
- Better fraud prediction
- Improved workforce allocation
- Reduced friction from data intermediation
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What are the benefits for your customers?
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- Increased access to financial services
- Greater user convenience
- Improved product options
- Full control over the data shared
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We want to free and give people control over their financial data and decisions to accelerate the World’s transition to individual financial ownership.
Low-code widget ready to be integrated with a few lines of code 🤖
We did the hard work of building a powerful widget for you to integrate in a few hours instead of months.
Compliance, scalability, maintenance, user experience,… we handle everything to help you focus on your business!
Launch it via link or embed it!
As easy to integrate as creating a session using our simple API and retrieving and launching our widget via link from your frontend or embedding it within your applications.
Reliability and quality at scale
Our technology has been designed using state-of-the-art standards to guarantee a superfast yet robust solution for high volume of requests.
Security protocols
We abide by the highest security standards of the market. End-to-end encrypted connections and data storage to guarantee nobody can access or tamper the data.
Data privacy & ownership
We really do care about privacy and ownership of data. Data is owned by the end customer and is collected and shared in a permission basis only. We make it understandable, accessible, and revokable.
© Bankflip | Beyond the Scope S.L.
En cumplimiento de lo establecido en el artículo 10 de la Ley 34/2002, de 11 de julio, de los Servicios de la Sociedad de la Información y Comercio Electrónico se exponen los siguientes datos identificativos del titular de la plataforma:
Denominación social: Beyond the Scope, S.L.
Dirección: Ronda de Sant Pere, 52, Pl. 4. 08010 Barcelona
NIF: B04948766
Registro Mercantil de Barcelona, Tomo 47756, Folio 42, Hoja B-561396.