Overview

Yodlee FastLink lets consumers aggregate accounts held at their different financial institutions. Consumers link their accounts by searching for the online banking site of a financial institution and entering the login credentials for the accounts held there. Consumers can link all their financial accounts of any account type (savings, checking, investment, credit card, and insurance account types to name a few).

The account aggregation experience provided by Yodlee FastLink includes the following features:

  • Ability to search for sites
  • Ability to enter the credentials required to access accounts, including user name, password, and provide responses to authentication mechanisms such as security questions and tokens.
  • Help messages and tips to assist in entering credentials
  • Success page on completion of site linking
  • Continuous updates to capture any changes in authentication requirements at end sites
  • Provides a list of suggested sites based on a consumer's transactions
  • Provides a list of sites popular to the region where the consumer belongs
  • Ability to edit account details (such as nickname and include in or exclude from net worth calculations)
  • Ability to delete accounts

Yodlee FastLink has the capability to ensure that the individual adding the account is authorized to access the account.
Yodlee continuously monitors and improves Yodlee FastLink for factors like conversion rates, user retention, optimal UI flows, and data analytics. By using Yodlee FastLink, developers avoid creating complex UI flows and integration with thousands of ever-changing financial institution login mechanisms.

Yodlee FastLink’s adaptive userflows

Yodlee FastLink addresses a number of use cases through four primary, adaptive sub-flows.

  • Aggregation – The aggregation sub-flow complements the customer's request of a consumer's account summary-level information and transactions. Information that will be retrieved includes masked account number, account type, account balance and account name. Transactions are also retrieved as part of aggregation. This flow supports the aggregation of any account type.
  • Aggregation Plus Account Profile – The Aggregation Plus Account Profile sub-flow complements the customer's request of a consumer's account summary-level information and transactions, in addition to other low-level account information such as full account number, routing number, and account holder name(s) for relevant cash accounts. Transactions are also retrieved as part of aggregation. This flow supports the aggregation of any account type. and aggregate more accounts (any type) that exist at a site.
  • Account Profile – The Account Profile sub-flow complements the customer's request of a consumer's account summary-level information, plus other account profile information that might include full account number, routing number, and account holder name(s). This flow supports the aggregation of cash accounts (for example, savings, checking, etc.).
  • Asset Transfer – The Asset Transfer flow is intended for customers of Yodlee Wealth products. This sub-flow provides the customer with the ability to request and acquire the information from investment/brokerage accounts that is required to transfer funds and assets to or from the account. This information includes full account number, account holder name, and account type.

Splash Screen

When the FastLink is invoked for the first time, the consumer is presented with a splash screen. The splash screen does not appear again after the first time the application is invoked. The splash screen shows a summary of the flow of the application and information about the protection of consumer information.

Splash screen – Web and Tablet

Splash screen – Mobile

Sub-Flows after Splash Screen

Sub-Flow

Step 1

Step 2

Step 3

Step 4

Aggregation

Select a Financial Institution – Search for a site to link.

Enter your site credentials – Log in to a site by providing site login credentials.

View your account details – View linked sites.

N/A

Account Profile

Select a financial institution – Search for a site to link.

Enter your site credentials or account information – Enter login credentials and verify transfer accounts.

Confirm your account details – View and accept accounts that were successfully verified as transfer account or go back and select different accounts as transfer accounts.

N/A

Aggregation Plus Account Profile

Select a financial institution – Search for a site to link.

Enter your site credentials or account information – Log in to a site by providing site login credentials.

View your account details.

Select accounts to use for as transfer accounts.

Asset Transfer

Select a financial institution – Search for a site to link. Only investment sites are available.

Enter your site credentials or account information – Enter login credentials and verify transfer accounts.

Confirm your account details – View and accept accounts that were successfully verified as transfer accounts or go back and select different accounts as transfer accounts.

N/A

 

Aggregation Flow

Selecting a Site – Aggregation

 

Select a Site – Aggregation for Mobile, Web and Tablet

Consumers can search for sites in the search field that appears by default at the bottom of the page/view or select sites by clicking/tapping an icon in the page that corresponds to the site they want to add. Consumers can also add manual accounts and real estate accounts.

Verify Login Information – Aggregation

In the Verify Credentials page/view, a consumer can provide site login credentials in the fields provided. If required, the consumer is asked to re-enter them for added security. Consumers can use the hide/show text icon to mask or show the password as they enter characters in the Password field. Customers can choose whether to display the password field once or twice and turn the show/hide feature off or on.

Verifying Login Information – FastLink Aggregation for Web and Tablet

Viewing Accounts – Aggregation

The following account details are displayed for each account in the View Accounts page (or 'View' view in mobile) under the appropriate financial institution and container heading:

  • Account Name – Name of the account (for example ABC Checking)
  • Account Number – The account number (masked except for the last four digits)
  • Account Type – Account type at the investment site (Savings, checking, 401k, etc.). The field holds up to 500 characters.
  • Account Balance – Balance of funds in the account

The All Done button closes Yodlee FastLink. The Link Another Site button redirects the consumer back to Select a Site in Yodlee FastLink so that they can add another site if they choose to.

 

View Accounts – Aggregation for Mobile, Web and Tablet

Account Profile Flow

Select a Site – Account Profile

 

 

Select a Site – Account Profile for Mobile, Web and Tablet


The account profile flow is useful to customers who want to offer their consumers the ability to enroll a payment account. For example, a mortgage site can allow their consumers to add a checking account as a payment account from which to make the monthly mortgage payment.

Verify Accounts – Account Profile

 

Verifying Account Information – FastLink Account Profile for Web, Mobile, and Tablet


The following information is displayed in the Select Accounts page/view. (The information that appears depends on the fields the customer requested in the data set.)
  • Account name – Name of the account (for example, ABC Investments)
  • Account balance – Balance of funds in the account
  • Account type – Account type at the site (Checking, Savings, etc.).
  • Account number – All numbers are masked except for the last four digits.
  • Routing number – The field is required in the data set to enable an account as a transfer account.
  • Account holder (name) – The field is used for identity and account ownership verification purposes.

Verifying Account Information – Selecting one or more accounts for Web, Mobile, and Tablet

Verification Success – Account Profile

In the Account Profile sub-flow, after the consumer selects the accounts they would like to enroll as transfer accounts, the Verification Success page/view appears and displays the full account name, account type, masked account number, account balance, and a congratulatory message for each account that was successfully enrolled.

Verification Success – Account Profile for Web, Mobile and Tablet

Aggregation plus Account Profile Flow

Select a Site – Aggregation plus Account Profile

   

Select a Site – Aggregation Plus Account Profile for Mobile, Web and Tablet


The site selection page/view that appears in the Aggregation Plus Account Profile sub-flow is the same as in pure aggregation. The sites available to be linked are the same as that for the pure aggregation flow.

View & Verify Accounts – Aggregation plus Account Profile

In the Aggregation Plus Account Profile sub-flow, after the site login is verified, the View Accounts page/view displays the accounts the consumer holds at the site. In addition to the financial institution and account type, the View Accounts page. If the site was successfully linked, the consumer’s accounts at the site are grouped under account type labels beneath the site name.

View & Verify Accounts – Aggregation plus Account Profile for Web, Mobile and Tablet

Asset Transfer flow

Select a Site – Asset Transfer

Select a Site – Asset Transfer for Web and Tablet

Verify Accounts – Asset Transfer

The login credential verification process for the asset transfer sub-flow is the same as that in the account profile sub-flow.


Verify Accounts – Asset Transfer for Mobile, Web and Tablet


The following information appears in the Select Accounts page/view:
  • Account name – Name of the account (for example, ABC Investments)
  • Account type – Account type at the investment site (IRA, 401k, etc.). The field holds up to 500 characters.
  • Account number – The account number (masked except for the last four digits)
  • Account holder name(s) – Name of the consumer under whose name the account exists. The field holds up to 500 characters.
  • Account balance – Balance of funds in the account

Verification Success – Asset Transfer

After the user has selected the investment accounts that they would like to enroll as transfer accounts, the success page displays the selected accounts. The following account attributes appear for each account:

  • Account name
  • Account type
  • Account number (masked except for the last four digits)
  • Account balance

If the site was successfully linked, the consumer’s accounts at the site are grouped under account type labels beneath the site name

Verification Success – Asset Transfer for Web, Mobile and Tablet