Features

Our Brankas Statement product has been designed to fit several use cases, conveniently packaged into a small set of API endpoints. The key highlights:

  • One Integration, Multiple Banks
    Single point of integration for retrieving financial data across our growing network of partner banks.
  • Real Time Transaction Data
    Instant access to identity data, real-time balance and transaction data from your user’s bank accounts
  • Enable your Seamless User Experience with Brankas Tap
    Empowering users to efficiently retrieve bank statements natively within your ecosystem, using our optimised user flow.
  • Account Aggregation
    Link multiple accounts maintained across various banks.
  • Static Links
    Generate links to share with users for authorisation to view transaction details.

Let’s look at the main features below

Quick and Easy API Testing

Import and run our Brankas Statement API Collection in one easy step using Postman.

Follow the link below to call the APIs using an API-Key generated with your account.

Statement API Collection Run Statement in Postman

Brankas Tap

Brankas Tap is our purpose-built UI flow that handles the user journey for end-users to select and interact with our third party integrations. The primary benefit of this flow is the simplicity of the UI and guiding the end-user through any third party integration edge cases or issues. Our findings show that this flow has reduced drop off compared to other approaches.

Whichever way you integrate with Brankas Statement, you have the option to launch a Brankas Tap flow to guide a user on submitting their statement data.

Remember Me

A common use-case is the ability to submit statements on a recurring schedule. To help minimise the friction for users, Tap has `Remember Me` functionality within Statement. End-users will be able to securely store their credentials on a device, which can then be submitted automatically for any subsequent statement retrieval.

Ask about our roadmap to know how we are going to improve Remember Me to be even more flexible and automatic

Not every use case needs API integration to get statement data. We created the Static Link feature to allow customers to generate a URL via our admin portal that can be readily shared with end-users, allowing them to initiate a statement retrieval. As it’s just a URL, you can easily share the static link through any messaging platforms or include it as an onboarding process within an app or website.

You can have several static links running at the same time, each with their own criteria (e.g expiry date, or retrieval limits). This is particularly useful if you are running multiple promotional campaigns.

This feature is dependant on the use of Brankas Tap as it’s expected to be used in scenarios where a full integration isn’t possible or necessary.

To get started on how to use Statement Static Links, follow our guide here.

API Integration

While Static Links have their use, normally you will want to dynamically handle the user-journey at various points - for example, when an end-user successfully completes a retrieval or when a failure case is encountered. For this reason, we have created two approaches to initiating a statement retrieval for an end-user.

Tap Integration

Our most straightforward API integration can be as simple as calling two API endpoints:

  • Initialise and launch the Statement flow with Tap UI
  • Retrieve the statement data

Tap can be customised to match your branding

This caters to the majority of use cases we’ve encountered, but we still provide functionality to cater to more granular control in the form of status codes and a web-hook callback.

To get started on how to integrate Statement with Tap, follow our guide here.

Core API Integration

For clients who want a deeper integration, our APIs are flexible enough to allow you to control each step of the user-journey. In this use case, you can build a fully custom UI flow and call our APIs directly but you will need to ensure the correct credentials, two factor authentication tokens and other details are submitted in the correct order. We do recommend the Tap feature for an easier, quicker path to a successful integration.

As with the Tap integration, we supply status codes and web-hook callbacks to help indicate what is expected next by the system.

To get started on how to integrate Statement using our APIs directly, follow our guide here.

Statement Dashboard

Statement has an UI admin portal where you can view and filter statement retrievals, download CSVs and purge data. The admin portal is where you can create and monitor Static Links functionality too.

Access the dashboard by signing up for a Brankas Account here.

Retrieval History Page

Retreival history shows a list of all statement retrievals attempted by end-users and their current status. The following information are available on the Retrieval History page:

  • Statement ID - Brankas generated internal ID that identifies a statement request, in UUID format.
  • Reference ID - Identifiers as entered by the end-user (such as email, contact number) so that the statement data can be associated with a specific end-user.
  • Bank - Source bank from which the end-user’s bank-related information is retrieved.
  • Date retrieved - Timestamp of when the statement retrieval request was initiated.
  • Status - Status of statement request.
  • Period time - Duration for which the data from the end-user’s bank-related information is retrieved.

Filtering

Filters are also available to help you sort your statements for faster viewing:

  • Statement ID - Use can enter multiple statement ID to filter records.
  • Date range
  • Status
  • Banks

Downloading

You can choose to download a record of the retrieval history in CSV format.

Statement Detail Page

From the Retrieval History page, you can drill into a transaction entry and review the transaction details for the specified account. A list of all the transactions using that bank account will be displayed.

  • Account name
  • Account number
  • Balance
  • Account type
  • Bank name
  • Date the bank account was created 
  • Transactions using the account
  • Transaction date
    • Type
    • Description
    • Amount

Download Statement Details

As with the statement retrieval history page, we have an option to download the statement details of a particular retrieval. It will be in CSV format.

Included in the options to download the statement details is the ability to purge the data after download. You will be asked to confirm deletion if this is selected.