Integration modes
Transaction Data can operate in two distinct modes, depending on how your project is configured by Algoan.
The mode is defined by Algoan at the time of project creation. It cannot be changed dynamically via API.
1. Analysis Mode (Coupled with Credit Insights and/or Credit Score)
In this mode, Transaction Data is directly connected to Credit Score and/or Credit Insights. When the user completes the data connection journey, an analysis is automatically triggered.
To ensure a reliable analysis creation process, this mode applies certain constraints to the accounts used for analysis.
What to expect:
- An analysis is automatically launched at the end of the user journey
- Designed for seamless integration into credit decision workflows
Limitations:
- At least one checking account must be connected
- Foreign currency accounts are excluded from the analysis
- If no eligible account is found, the analysis will not be triggered
2. Aggregation-Only Mode (No analysis triggered)
This mode focuses solely on aggregating banking data. No analysis is launched by Algoan at the end of the journey.
You receive access to the user’s account and transaction data, normalized in Algoan’s standard data format, ready to be used in your own systems and decisioning processes.
What to expect:
- No filtering or exclusions based on analysis constraints
- No triggering of Credit Score and Credit Insights