Data sources
Access to a wide range of data sources for a complete credit assessment.
A sound and complete credit assessment needs fast, reliable access to several data sources at once. From credit bureaus to flat files and other web services, uFlow brings multiple sources and formats together in one intuitive platform, so your risk team can call any of them from the same decision flow.
Every credit bureau
Adding a pre-certified credit bureau to uFlow is very simple: select it in the editor toolbar, drag it to the point in the flow where you need it, and enter your credentials. uFlow handles and keeps up to date every technical detail behind the integration.
Flat files
If you want to bring your own data into the flow, uFlow makes it easy to query delimited files such as spreadsheets. Add blacklists, pre-approved lists and other records to strengthen your credit assessment.
Alternative web services
Do you need to query your own services or third-party services that are not integrated yet? You can call any other API your organization has contracted or built in-house, designing the requests and parsing the responses with jsonpath or xquery.
The document as a data source
Not all information arrives through an API. When the data lives on paper, an agent reads the document and makes its values available to the rules, inside the same decision and with no manual step in between.
Payslips, financial statements, bank statements, invoices, tax returns and identity documents, for individuals and companies. See credit document analysis.
And it does not stop at extraction: those values combine with each other and with bureau and first-party data, derived values are calculated, and the rules decide on them. That is the difference between reading a document and being able to decide with it.
- Payslips, financial statements and bank statements
- Invoices, tax returns and identity documents
- Values become available to the rules, like any other variable
- They combine with the rest of the data and derived values are calculated
- Logged with the rest of the decision: which document came in and what was read from it
Everything you need to know
What data sources can I integrate into uFlow?+
uFlow lets you integrate pre-certified credit bureaus, delimited flat files such as blacklists or pre-approved lists, and your own or third-party web services through REST APIs.
Is it complex to integrate a credit bureau into uFlow?+
No. You just select the bureau in the editor toolbar, drag it into the flow and enter your credentials. uFlow keeps every technical detail of the integration up to date.
Can I use my own data in the decision flow?+
Yes. You can upload delimited flat files to bring blacklists, pre-approved lists or any other proprietary data into your assessment.
How do I query a service that is not integrated yet?+
Through alternative web services you can query your own or third-party APIs, designing the requests and parsing the responses with jsonpath or xquery.
What is alternative data in credit assessment?+
Alternative data are non-traditional sources —transactional behavior, open banking, device data, telco or utilities— that complement the bureau to assess applicants with little or no credit history. A decision engine lets you integrate and combine them within the same policy.
How is a credit bureau score integrated into the engine?+
The engine queries the bureau in real time from a dedicated node and uses its score and variables inside the policy, combining them with your own rules and other sources in a single decision point, with no separate integration per provider.
Can I integrate my identity or anti-fraud provider?+
Yes. If it is certified, it connects through the bureau node (credentials, caching and timeout); if not, through a REST node to its API. This works for identity, anti-fraud, device intelligence or lists. Every signal becomes available as a variable inside the same policy, with no integrations wired outside the engine.
Can the applicant's geolocation be validated?+
Yes. The engine's expression syntax includes geographic operations: comparing declared location against the device's, measuring distances or validating zones, and using that result as one more signal within the fraud decision.
What happens if an external provider doesn't respond?+
The bureau node exposes a query-error variable that enables a contingency path: if the provider fails, the flow can route to review, retry with another source or apply a more conservative rule. The decision doesn’t stall or approve blindly when a signal is missing.
In which countries does uFlow offer integrated providers?+
uFlow has integrated providers in Colombia, Mexico, Chile, Peru, Panama and Argentina, covering credit bureaus, local chambers of commerce, identity verification and Open Banking.
Does uFlow integrate Open Banking providers?+
Yes. uFlow can retrieve data from bank accounts, cards, utility bills, wallets and payment platforms.
Can I request the integration of a provider that is not listed?+
Yes. Beyond the pre-certified providers, uFlow lets you integrate your own or third-party web services, so you can ask our team about adding new sources.
Need to connect a source you do not have today?
Tell us which sources you use and we will show you how they plug into the decision flow.