What is the CreditInfo integration?
We offer an integration with CreditInfo for those users that already have an active contract with CreditInfo.
The integration allows automatic lookup in CreditInfo's companies credit-score database from within SmartFlows. The results from the lookup can be used in conditional logic to steer the user journey of the signee.
This can be helpful when signing up new customers and determining if they are eligible for a credit account or discounts.
- Setup
- Adding a CreditInfo lookup to SmartFlows
- Configuring the initiation method
- Customising the authentication text
- Using the data from the lookup
Setup
To enable the CreditInfo integration go to Settings - Integrations and click the CreditInfo integration
Input the username and password provided by CreditInfo and click Add.
You will now see that the CreditInfo integration has been installed.
Adding a CreditInfo lookup to SmartFlows
To add the CreditInfo lookup (Company or Individual) to SmartFlows first contact help@taktikal.com and request that the CreditInfo module is activated for your company.
Next go to the SmartFlow you with to add the CreditInfo lookup to and click Automations in the beginning of the flow.
Next click the right automation, depending on whether you plan to collect informatino about a company credit score or an individual credit score.
The Company credit score lookup requires that you have a Company lookup (IS) element in Setup Information, to collect the organisation's identification number to be used for the lookup. If you haven't already setup a company lookup element in Setup information this text will appear in the drop down.
To add it, simply go to Setup information in the beginning of the flow
Click Company lookup (IS)
Add a title for the field. Note that this text is only visible to users, not the signees. The signees will be shown "Company ID number/ Kennitala lögaðila" in the authentication screen.
Once you have added this, go back to the automations and select the element from the drop down list.
Now you can see the Company credit score module in the SmartFlow.
Configuring the initiation method
To make sure that this SmartFlow runs smoothly, set the initiation method to Signee initiated.
Customising the authentication text
It's good practice to let your signees know that a lookup will be performed in the CreditInfo database before it takes place. In the Initiation method tab you can customise the text in the authentication screen to ensure that your signees have a good understanding of the process before initialising it.
Example text:
Með því að auðkenna mig inn í ferlið samþykki ég að [Company name] afli lánshæfismats hjá Creditinfo Lánstraust hf. Lánshæfismatið byggir á samkeyrslu gagna og getur innihaldið sögulegar upplýsingar. s.s. um vanskil. Upplýsingar um vinnslu lánshæfismats hjá Creditinfo Lánstrausti hf. er að finna á vefsíðu fyrirtækisins https://www.creditinfo.is/mittcreditinfo/lanshaefismat.aspx
Ég samþykki og heimila að framangreindar upplýsingar verði nýttar og sóttar í tengslum við ákvarðanatöku um reikningsviðskipti, sem og við eftirlit í tengslum við slík viðskipti, enda hefur [Company name] lögvarða hagsmuni af notkun umræddra upplýsinga skv. 9. gr. laga nr. 90/2018 um persónuvernd og meðferð persónuupplýsinga.
Heimilt er að afturkalla samþykki þetta og tekur slík afturköllun gildi þegar að [Company name] hefur sannanlega móttekið slíka afturköllun. Þá fellur samþykki þetta úr gildi þegar viðskiptasambandi aðila lýkur. Fram til þess tíma hefur [Company name] heimild til að sækja og nota þær upplýsingar sem samþykki þetta tekur til að fullnægðum þeim skilyrðum sem fram koma í samþykkisyfirlýsingu þessari.
Using the data from the lookup
Now that you have setup the lookup and are receiving the data, you can start using the data.
The data from the CreditInfo lookup can be delivered via webhook within the json structure, so that you can get the information directly into your system of choice.
But the data can also be used in conditional logic to customise the user journey for the signee, based on the results.
For instance you can create one form for companies that have a high credit score and another form for customers that do not. The form for the companies with a high credit score may offer them the option of starting a credit account as well as offering more payment options, while in the form for low credit scores you may want to limit the payment options to credit cards or payment upon delivery.
To configure the conditional logic, first create the two different forms.
Note: the title of the form is displayed to the signee, so we advise not using titles such as "payment options for bad credit score" as this may be jarring to signees.
Next, click on the first form and click the settings wheel in the top center position on the screen.
Next click conditional logic.
Next click add condition and then click Select question.
In the Automations section you can see the data that is provided in the lookup.
The data categories provided are:
Category: Numerical value for the credit score of the company (see images below).
Is Bankrupt: A yes/no field indicating whether the company is bankrupt or not.
Has Defaults: A yes/no field indicating whether the company has any registered defaults.
From CreditInfo.is
Select the category you want to use for the conditional logic.
Next choose a rule and value. In this example we want to show this form to companies that have a credit score of 5 or higher.
In this example we want to show this form to companies that have a credit score of 5 or higher AND are not bankrupt AND do not have any defaults.
When the conditional logic has been saved you will see it displayed on your form like this.
Note: Remember to also add identical logic to the second form but instead of "Showing" the form, choose to "Hide" it. That way, each customer is only shown one form.