Loan-Related Integrations for Digital Lending—India
In the loan origination process, integrating with external service providers is essential for performing various verifications and checks, such as Aadhaar authentication, PAN authentication, bank account verification, and employment verification. To connect with external service providers, Digital Lending—India offers integration pre-processing templates in the form of integration definitions, integration procedures, and Omnistudio Data Mappers.
Required Editions
| Available in: Lightning Experience |
| Available in: Professional, Enterprise, and Unlimited Editions |
Supported Loan-Related Integrations
Digital Lending—India supports integrations for essential loan origination services that you require during the entire loan lifecycle.
Here’s the list of services for which you can set up integrations in Digital Lending—India.
Summer ’24 Release
- Permanent Account Number (PAN) authentication
- Retrieve the name of the PAN holder by using their PAN. Use the retrieved name in the name match integration to verify the identity of the applicant.
- Advanced PAN authentication
- Validate the identity of a PAN holder by authenticating both the applicant’s photograph and PAN card image.
- Utility Bill authentication
- Verify an applicant’s identity and address by matching the details with their address on a utility bill.
- Name match with PAN
- Match the name provided by your loan applicants with their name on the PAN card.
- Address match with Aadhaar
- Match the address provided by your loan applicants with their address on the Aadhaar card.
- Video Know Your Customer (Video KYC)
- Verify the identity of your loan applicants through a live video interaction with a KYC provider.
- Anti-Money Laundering (AML) risk screening
- Identify and mitigate the possible risks from money laundering and other fraudulent financial activities.
- Employment verification
- Verify the employment details provided by your loan applicants.
- Video Personal Discussion (Video PD)
- Conduct a detailed personal discussion with your loan applicants through a video interaction. Use this process to assess the applicant’s intent and creditworthiness, and to clarify any details regarding the loan application.
- Indian Financial System Code (IFSC) verification
- Verify the IFSC code provided by your loan applicants so that loan disbursement, EMI collection, and other financial transactions are routed to the correct branch of the bank.
- Bank account verification
- Verify the bank account details provided by your loan applicants.
- KYC for PAN with OCR (Optical Character Recognition)
- Check if your loan applicants have uploaded a structurally valid PAN card, and then extract the PAN card details.
Winter ’25 Release
- Mobile authentication through OTP
- Confirm that the applicant’s phone number is active and under their control by sending a one-time password (OTP).
- Email verification
- Confirm the authenticity of the applicant’s email address.
- Face Match
- Verify an applicant’s identity by comparing the applicant’s uploaded photo with the downloaded image of their Aadhaar card.
- ITR-V Form Extraction with OCR
- Verify an applicant’s declared income by extracting the income tax return details from the uploaded ITR-V document.
- Form-16 Extraction with OCR
- Assess an applicant’s financial stability by extracting the income details from the uploaded Form 16 document.
- Email fraud check
- Prevent identity theft by analyzing the applicant’s emails for signs of fraud or suspicious activity.
- Vehicle Registration Certificate Authentication
- Confirm ownership and vehicle details by verifying the applicant’s vehicle registration certificate (RC).
- Property tax verification
- Establish ownership and property value by confirming the payment and status of property taxes.
Spring ’25 Release
- KYC OCR for Aadhaar
- Check if a structurally valid Aadhaar card is uploaded and return the document with the masked Aadhaar number.
- Send for ESign
- Generate and send a unique link to Esign the uploaded document on the applicant’s mail or phone.
- Send for EStamp
- Generate and send a unique link to Estamp the document on the appliant’s mail or phone.
- Get Status for ESign
- Get status for the document that had been sent for ESign
- Get Status for EStamp
- Get status for the document that had been sent for EStamp.
- Pan Profile Detailed
- Get the applicant’s profile details from the uploaded PAN document.
- Cheque OCR
- Extract the bank account and owner details from the copy of the post dated cheque uploaded during disbursement operations process.
- Employer Search
- Search for an employer by name to find out their Employee Provident Fund (EPF) registration and exemption status.
- Employee Search
- Search for an employee by name to confirm their employment with the employer in the last three months.
- Form 16 Authentication
- Authenticate the Form-16 document issued by the employer for tax deduction.
Summer ’25
- Selfie Liveness Check
- Verify the applicant’s identity by sending a selfie liveness check link to the applicant.
- Mandate Registration
- Register a mandate for the applicant to set up streamlined loan repayment methods. Fetch the status of the registration after the initiation.
- UPI Debit Request
- Initiate a UPI debit request for an origination fee or a processing fee from the applicant’s account. Initiate this request when the mandate is registered through the applicant’s UPI. Get the status of the UPI debit request after the initiation.
Components to Set Up Loan-Related Integrations
Harness the power of external services, named credentials, integration definitions, Omnistudio, and Stage Management to set up the loan-related integrations with your preferred external service providers.
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External Services
Define the connection to external APIs by specifying details, such as endpoint URL and schema definition.
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Named Credentials
Store authentication details for external services by specifying details, such as external credentials and authentication method.
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Integration Definitions
Define how data is sent to and received from external service providers by specifying details such as, external service, named credential, input processor, and output processor.
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Integration Procedures and Data Mappers
Orchestrate the call to the integration definitions by using prebuilt integration procedures. Configure the prebuilt integration procedures and reference them as input processors or output processors in an integration definition. The input processors use Data Mappers to format and structure Salesforce data according to the request parameters expected by the external API. Similarly, the output processors use Data Mappers to handle the response data from the external API, making sure that the returned data is correctly mapped to Salesforce fields.
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Stage Management
Define the stage of the application form, applicant, or a party profile record when you want to trigger the loan-related integrations.
- Set Up External Services for Digital Lending—India
Configure external service endpoints and named credentials to integrate with external service providers. - Prepare Integration Procedures and Data Mappers for Loan-Related Integrations
Create a version of the prebuilt integration procedures that are used as input processors and output processors in integration definitions. Clone the Omnistudio Data Mappers that are associated with these integration procedures. Configure the cloned Data Mappers to meet the specific API requirements of the external service that you’re integrating with, and then reference the configured Data Mappers in the new version of the integration procedures. - Integration Definitions Required for Loan-Related Integrations
You must create certain integration definitions to integrate with external service providers for loan origination services. - Set Up Integrations for Loan Origination Services
Set up and configure integration definitions to connect with the APIs of your preferred external service providers. Each integration definition contains details of how to call an external endpoint for a specific loan origination service. - Add the Integration Execution Status Lightning Component to Record Pages
Give your users real-time visibility into the progress and status of external data integrations that are run during various phases of the loan origination lifecycle.
