Yodlee APIs – New Features/Enhancements

Update Eligibility Values Changed

To improve the aggregation success rates, we have updated the values of the updateEligibility attribute for the following scenarios:

• Provider site is temporarily not available or blocked for refresh – The updateEligibility attribute value has been updated from DISALLOW_UPDATE to ALLOW_UPDATE.
  This change gives the users an option to trigger the refresh later, and it applies only to scenarios where the issues at the provider site are temporary.
   

  Additional Status	Update Eligibility
  	Current	Changed
  SITE_BLOCKING_ERROR	DISALLOW_UPDATE	ALLOW_UPDATE

• Permanent issues at the provider site – The updateEligibility attribute value will still be DISALLOW_UPDATE when the additionalStatus is SITE_NOT_SUPPORTED.
• Credential update or new credential is required – The updateEligibility attribute value has been updated from DISALLOW_UPDATE to ALLOW_UPDATE_WITH_CREDENTIALS.
   

  Additional Status	Update Eligibility
  	Current	Changed
  CREDENTIALS_UPDATE_NEEDED	DISALLOW_UPDATE	ALLOW_UPDATE_WITH_CREDENTIALS
  NEW_AUTHENTICATION_REQUIRED

Client Credential, JWT, and SAML Feature Compatibility

The existing limitation is a user registered using Yodlee API v1.1 with the client credential (CC) or the JWT authentication method is not accessible using the SAML authentication. With this enhancement, the user that has registered using any of the methods such as Yodlee API v1.1 registration service using CC or JWT authentication, SAML implicit registration, or CC implicit registration will be accessible through any of the authentication methods.

JAVA SDK Enhancements and Bug Fixes

• GZIP compression support – The SDK has been enhanced to request GZIP compression for APIs where the response payloads are large. This feature will help in improving performance during the response payload transmission.
• The SDK has been enhanced for the new attribute and services that are updated for this release.
• Bug fixes:
  • For the providerAccount entity the enum attribute type is fixed to accept the correct value options instead of option.
  • The SDK has been fixed to support more currencies.

MFA Enhancements

• MFA buffer time enhancement –
  To reduce the MFA failures, the GET provider account details API will withhold few seconds from the actual timeout as a buffer time and return the remaining time in the mfaTimeout attribute.
  For example, for an MFA site with 50 seconds as the MFA timeout, the API will return 45 seconds as the mfaTimeout value. This will assure that the request will be successfully processed, even if the user answers close to the 45th second.

  API URL:

  GET   /providerAccounts/{providerAccountId}

• Dynamic MFA timeout –
  To provide a better experience, the GET provider account details API API has been enhanced to return the remaining time to accept the MFA input from the user in the mfaTimeout attribute.
  For example, for an MFA site, the API call returns the MFA login form at 23:29:00, along with the mfaTimeout value of 90000. If the same API call is made at 23:29:30, the API will return mfaTimeout value as 60000 (as 30 seconds have elapsed).

  API URL:

  GET   /providerAccounts/{providerAccountId}

Bug Fix

When credentials are required to perform a refresh for a provider account, refresh is triggered and it fails after some time. This behavior has been updated to restrict refresh requests for provider accounts that require credentials to refresh; the following error message will be returned:

{
   "errorCode":"Y825",
   "errorMessage":"Update not allowed ( Reason: USER_INPUT_REQUIRED )",
   "referenceCode":"y1610979532181X9u1x"
}

Account Verification - New Features/Enhancements

New Latest Account Balance API

Asynchronous API to fetch the latest balance of a verified account has been introduced. This new API reduces the complexity of using three different APIs to fetch the latest account balance. Internally, the API initiates a new refresh, and the latest balance is returned if the refresh is completed within the configured period (default is 30 seconds) with the SUCCESS status. The GET latest balance API will only initiate a new refresh if the time between the previous refresh and the new request is more than the configured time interval (default is 15 minutes).
Refreshes that continue beyond the configured time are returned with IN_PRORESS status. Customers can utilize the new dedicated webhook developed for the GET latest balance API to get notified when the refresh is completed. If the refresh fails due to an error, the FAILED status will be returned with the corresponding failed reason.

API URL:

GET   /accounts/latestBalances

Webhooks for Latest Account Balance API

A new webhooks event – LATEST_BALANCE_UPDATES – has been introduced that is dedicated to the GET latest account balance API. Customers should subscribe to the new event to receive notifications when the balance refresh request is performed using the GET latest account balance API.
Notifications will only be generated and sent when a new refresh triggered by the GET latest balance API is completed. The webhooks notification lets the customer know if the refresh request is successful or has failed, and it enables the customer to fetch the updated balance using the GET latest balance API. For more details, see Latest Balance Status Notification.

Chase Provider OAuth Upgrade – Verification Impact

As part of the Chase OAuth or OB upgrade, the full account number has been replaced with a substitute account number (SAN) and a different routing number for Chase OB. The following changes are being done to accommodate the Chase OAuth upgrade:

• Legacy account verification implementation –
  • Matching service – Account number matching will not be done for the Chase OB site irrespective of the customer’s configuration. This only applies to customers who have enabled account number matching.
  • Data service – In the accountNumber attribute, SAN will be returned. It is recommended to not display SAN to the users but it can be used for ACH payments.
• FastLink 2.0 – For the Chase OB site, after verification, the account number will not be displayed in the account summary screen.
• FastLink 3.0 – After verification, the routing number will not be displayed in the account summary screen for the Chase OB site.

Transaction Data Enrichment – New Features/Enhancements

Detail Category Added

Based on the market feedback, to improve the enrichment output for retail customers, the following six new granular or detail categories have been added to the existing category enrichment:

Update Transaction API Enhancement

The update transaction API currently allows consumers to update/override only the master category enrichment based on their preference. As part of this release, this functionality has been extended to three more enrichment fields.
Consumers can provide inputs and override the following three enrichments fields with their preferences using the update transaction API supports:

• isPhysical
• merchantType
• detailCategoryId

API URL:

PUT    /transactions/{transactionId}

Wealth Management – New Features/Enhancements

Machine Learning Model – Account Type Enrichment

Using Machine Learning (ML) models, the account type identification process has been enhanced to have better population rates and improved data accuracy.
The enhanced ML account type data model is intended to serve as a replacement for the legacy Security Normalization (SN) 1.0 account types. The legacy SN 1.0 account types will no longer be available in the FinApp views and API responses. Mapping of these changes is provided in Account Type Mapping.
The accountType field in the following API response and the standard FinApp views should be referenced for account types:

API URLs:

GET   /accounts

GET   /accounts/{accountId}

Account Category

In the GET accounts API, a new accountCategory attribute has been introduced that will add a new hierarchy in the account type enrichment process to identify broad-level grouping of account types. The new attribute accountCategory will only be available to the Yodlee API v1.1 customers and will return the following values:

General Investing Retirement Benefits Trust Annuity

Insurance Education Business Specialty Other

Account Type Mapping

The ML model references the latest account type list and is focused on improving accuracy and population rates: