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.
Required Editions
| Available in: Lightning Experience |
| Available in: Professional, Enterprise, and Unlimited Editions |
| User Permissions Needed | |
|---|---|
| To create integration definitions: | IndustriesIntegrationFwk |
Before you begin:
- Set up external services. See Set Up External Services for Digital Lending—India.
- Prepare integration procedures and Omnistudio Data Mappers. See Prepare Integration Procedures and Data Mappers for Loan-Related Integrations.
Important
- The input processors and output processors in the integration definitions are prebuilt integration procedures. Clone and configure the necessary Data Mappers associated with the prebuilt integration procedures to align with your service provider’s API request and response parameters. Open API specification from the service provider is a prerequisite for this. After you update the Data Mappers, create a version of the prebuilt integration procedures. Reference the updated Data Mappers in the new versions of the integration procedures and use them as input and output processors in the integration definitions.
- You can create integration definitions with names that suit your business needs. However, using the names recommended in these tasks ensures a smooth experience with the sample Digital Lending—India sample application. If you use different names, you must adjust the default sample application accordingly.
- Set Up an Integration for Permanent Account Number (PAN) Authentication
Set up an integration to 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. - Set Up an Integration for Advanced Permanent Account Number (PAN) Authentication
Set up an integration definition to validate the identity of a PAN holder by authenticating both the applicant’s photograph and PAN card image. - Set Up an Integration for Verifying Address with Utility Bill
Set up an integration definition to verify an applicant’s identity and address by matching it with their address on a utility bill. - Set Up an Integration for Name Match with Permanent Account Number (PAN)
Set up an integration to match the name provided by your loan applicants with their name on the PAN card. - Set Up an Integration for Address Match with Aadhaar
Set up an integration to match the address provided by your loan applicants with their address on the Aadhaar card. - Set Up Integrations to Initiate the Video Know Your Customer (Video KYC) Process
Set up integrations to verify the identity of your loan applicants through a live video interaction with a KYC provider. - Set Up an Integration for Anti-Money Laundering (AML) Risk Screening
Set up an integration to identify and mitigate possible risks associated with money laundering and other fraudulent financial activities. - Set Up an Integration for Employment Verification
Set up an integration to verify the employment details provided by your loan applicants. - Set Up an Integration to Initiate the Video Personal Discussion (Video PD) Process
Set up integrations to conduct a detailed personal discussion with your loan applicants through a video interaction. Use this process to assess the applicant’s intent, creditworthiness, and to clarify any details regarding the loan application. - Set Up an Integration for Indian Financial System Code (IFSC) Verification
Set up an integration to 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. - Set Up an Integration for Bank Account Verification
Set up an integration to verify the bank account details provided by your loan applicants. - Set Up an Integration to Initiate KYC for PAN with OCR
Set up an integration to check if your loan applicants have uploaded a structurally valid PAN card, and then extract the PAN card details. - Set Up Integrations for Mobile Number Authentication with One-Time Password (OTP)
Set up integrations to confirm that the applicant’s phone number is active and under their control by sending a one-time password (OTP). - Set Up an Integration for Email Verification
Set up an integration definition to verify the authenticity of the applicant’s email address. - Set Up an Integration for Face Match
Set up an integration to verify an applicant’s identity by comparing the applicant’s uploaded photo with the downloaded image from their Aadhaar card. - Set Up an Integration for ITR-V Form Extraction with Optical Character Recognition (OCR)
Set up an integration to validate the the uploaded ITR-V form and verify an applicant’s declared income by extracting the income tax return details from the uploaded ITR-V document. - Set Up an Integration for Form-16 Extraction with OCR
Set up an integration to validate the structure of the uploaded Form-16 and extract the income tax details from the uploaded Form-16 document and assess an applicant’s financial stability. - Set up an integration for Email Fraud Check
Set up an integration to check the applicant’s email for any signs of fraud or suspicious activity. - Set up an integration for Vehicle Registration Certificate (RC) Authentication
Set up an integration to confirm the ownership and vehicle details by verifying the applicant’s vehicle registration number. - Set up an integration for Property Tax Verification
Set up an integration to confirm the payment and status of property taxes. - Set Up an Integration for Aadhaar KYC Optical Character Recognition (OCR)
To verify if a structurally valid Aadhaar card was uploaded, set up an integration.This integration procedure invokes the DigitalLendingIndiaAadhaarKycOcrPlusIntegDef integration definition from the DigitalLendingIndiaMaskedAadhaarOCR Omniscript. It is triggered when a user clicks Mask aadhaar in the Omniscript. - Set Up an Integration to Send for ESign
To generate a unique link to e-sign the uploaded document and send the link to the applicant by email or SMS, set up an integration. This integration definition is automatically invoked when the Application Form moves from the Operations stage to the Book to Core stage - Set Up an Integration for Get Status for ESign
To get the status of the document that was sent for ESign, set up an integration. - Set Up an Integration to Send for EStamp
To generate a unique link to e-stamp the uploaded document and send the link to the applicant by email or SMS, set up the DigitalLendingIndiaESignSessionIntegDef integration. This integration definition is automatically invoked when the Application Form moves from the Operations stage to the Book to Core stage. - Set Up an Integration for Get Status for EStamp
To get the status of the document that was sent for EStamp, set up an integration. - Set Up an Integration to Fetch PAN Profile Details
To get the profile details of an applicant from their PAN, set up an integration. This integration definition is automatically invoked when the Party Profile moves from the Initiated to Identity Verification stage through Stage Management. - Set Up an Integration for Cheque Optical Chracte Recognition (OCR)
To extract the bank account and owner details from the copy of the post dated cheque uploaded during pre-disbursement operations process, set up an integration. This integration definition is automatically invoked when the Application Form moves from the Operations stage to the Book to Core stage. - Set Up an Integration for Employer Search and Employees' Provident Fund Organisation (EPFO) Status Check
To find out an employer's Employee Provident Fund (EPF) registration and exemption status by searching with the employer name, set up an integration. This integration definition is automatically invoked during the In-Review stage of the Applicant by using Stage Management. - Set Up an Integration for Employee Search
To confirm an employee's employment with the employer in the last three months by searching for the employee by name and checking the EPF details, set up an integration. This integration definition is automatically invoked during the In-Review stage of the Applicant by using Stage Management. - Set Up an Integration for Form 16 Authentication
To authenticate the Form-16 document issued by the employer for tax deduction, set up an integration. This integration definition is automatically invoked when Appllicant moves from the Evaluation stage to the Document Validation stage. - Set Up an Integration for Selfie Liveness Check
To verify the applicant’s identity by sending a selfie liveness check link to the applicant and get the status of the liveness check after the initiation, create integration definitions. - Set Up an Integration for Mandate Registration
Set up integration definitions to register a mandate. The applicant can then set up streamlined loan repayment methods. You can also set up definitions to check the registration status after the initiation of the mandate registration. Integration definitions create the mandate and send a link to authorize the mandate registration. These definitions can be invoked when the application form moves from Operations to Book to Core stage. The link for mandate authorization is sent to the primary applicant’s phone number or email address. - Set Up an Integration UPI Debit Request
To initiate a UPI debit request for an origination fee or a processing fee from the applicant’s account, create an integration definition. Initiate this request when the mandate is registered through the applicant’s UPI. To get the status of the UPI debit request after the initiation, create another integration definition. The integration definition for creating a UPI debit request is automatically invoked when the Application Form moves from Operations to Book to Core stage. - Set Up Integrations for eNACH Fee Payments
To manage eNACH fee payments, you need to set up two related integrations. The first integration automatically initiates a debit request for an origination fee or a processing fee and can be integrated at any point in the loan journey. For example, it can be configured to run when the loan application moves to the final stage (from Operations to Book to Core stage). The second integration retrieves the status of the debit request to confirm if the payment was successful. - Set Up an Integration for Voter ID Authentication
Configure the integration to initiate a Voter ID authentication process. This integration retrieves the Voter ID number from the applicant's Party Profile (Primary Identifier field) and passes it as an input to an external API to verify its validity. This integration can be configured on Stage Management on PartyProfile on the required stage transition, e.g., on Initiated stage. - Set Up an Integration for Driver's License (DL) Authentication
Configure the integration to initiate a Driver's License (DL) authentication process. This integration retrieves the DL number from the applicant's Party Profile (Primary Identifier field) and passes it to an external API to verify its validity. This integration can be configured on Stage Management on PartyProfile on the required stage transition, e.g., on Initiated stage. - Set Up an Integration for KYC OCR for Voter ID
Set up an integration to perform Optical Character Recognition (OCR) on an uploaded Voter ID document. This process validates the ID number against user input and extracts the details from the document into the respective fields of the party profile. - Set Up an Integration for KYC OCR for Driving License (DL)
Set up an integration to perform Optical Character Recognition (OCR) on an uploaded Driving License. This process checks if the entered details match the document, then extracts and stores the information in the party profile. - Set Up an Integration for Digilocker
Configure the integration to connect with Digilocker, allowing applicants to fetch and upload their official documents directly into the loan application. This integration provides a secure and streamlined way for users to submit required documentation like Aadhaar and PAN cards.
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