Insights API

In comparison to the XS2A App and Consent API which allow direct access, the Insights API allows working on stored bank data that can be refreshed when needed. Storing the data via this API has multiple advantages when it comes to data normalization (e.g. transaction deduplication etc) which is not possible with the direct access APIs.

The API offers different reports that are based on the stored data.

Quick Start

You can find our quick start guide for the Insights API here

Common workflows

A short overview of common workflows can be found here

Insights Overview

The Account Insights offering can be split into three parts:

Acquiring Data

There are two main sources to supply financial data:

Acquiring via Open banking data refreshs

The automatic data extraction from a consumer bank account utilizing the tools of Open Banking by Klarna. by letting the consumers log into their bank account.

This method is tightly integrated with Open banking and behaves similar to other available flows. After creating an Open banking session the Insights-Refresh flow needs to be started. After the consumer is logged in, this flow will extract the necessary data from the account and prepare them for the report generation.

This process can also be used with consents via Consent-Refresh.

Providing data via Storage API

Financial data can be put into the Storage via the designated endpoints which are described here

Report generation

After the financial data are available in the Storage, reports can be generated using the Modular Report Generation endpoint. We also offer custom-tailored reports to fit your use-case. To get more information please contact us.

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