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Flinks Reviews & Product Details

Flinks Overview

What is Flinks?

Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks at-a-glance: ● Enrichment — Upgrade your data stack to power data-driven use cases with actionable insights Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations or open-banking providers—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. “Flinks Enrichment provides us with the capability to easily aggregate consumer employment and debt servicing data, allowing our team to fully automate the underwriting process.” —Alex Yi, Fincentify ● Connectivity — Power your solutions with the most performing financial data API Consumers want to use your services—let them easily and securely connect their financial accounts and share the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. “With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.” —Laura Lampe, Wealthsimple

Flinks Details
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Flinks Community
Languages Supported
English, French
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Product Description

Flinks provides an open banking platform that makes it easy and efficient to use financial data. Connectivity lets you connect your users’ financial accounts from institutions across the US and Canada, to access KYC/KYB information, transactional data, and assets. Enrichment lets you turn raw financial data into actionable insights for credit risk analysis, income verification, life event detection, fraud prevention, and other data-driven use cases.

How do you position yourself against your competitors?

● Deploy faster with flexible integration options

We’re here to make financial innovation accessible. Our no-code platform and user-friendly visualization tools let you get started quickly, even if you don't have tech resources.

● Get better data, not just more data

Our unique take on financial data enrichment means your teams work directly with actionable insights that are easy to understand and use in your models. And because Enrichment can be layered on top of your current connectivity providers, you'll be able to get better data without changing your current integrations.

● Take bold steps forward with help from our experts

Financial data API providers can output an abundance of information, but it’s not always clear how best to use it. Whether you use Flinks’ platform to connect or enrich, or do both—our teams will empower your business with the support you need to solve today's challenges and prepare for whatever tomorrow might bring.


Seller Details
Seller
Flinks
Year Founded
2016
HQ Location
Montreal, Canada
Twitter
@FlinksData
819 Twitter followers
LinkedIn® Page
www.linkedin.com
118 employees on LinkedIn®
Description

Flinks enables businesses to connect to their customers’ financial accounts, enrich this data, and utilize it to deliver better digital products. Trusted by millions of consumers, and serving innovators in lending, FinTech, digital banking, asset management and insurance, Flinks is becoming a global leader in financial data open banking and analytics.To learn more, visit www.flinks.com


Simon W.
SW
Overview Provided by:
Head of Marketing @ Flinks | Startup Mentor

Recent Flinks Reviews

Alexandre B.
AB
Alexandre B.Small-Business (50 or fewer emp.)
3.5 out of 5
"Great insights and reactive team but at a cost"
Easy to implement API with a lot of data available for any use case you can think of using financial data about someone. Their implementation/suppo...
Henry F.
HF
Henry F.Enterprise (> 1000 emp.)
5.0 out of 5
"Outstanding Company and great product."
Flinks has been a great organization to deal with from the first day we met, to before we signed an agreement to the current partnership, they have...
DR
Donald R.Mid-Market (51-1000 emp.)
4.5 out of 5
"Good product package"
Flinks provides an easy-to-use set of tools. The interface makes it very easy to understand the data, so little time is spent deciphering the end c...
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Flinks Media

Flinks Demo - Connectivity — End User Interface
World-class companies like Stripe, GoEasy and Manulife use Flinks to enable their end users to connect financial accounts. This allows our clients to access the data they need to power their use cases.
Flinks Demo - Enrichment — Reports
Enrichment turns raw financial data into actionable insights for credit risk analysis, income detection, fraud prevention, customer segmentation, and other data-driven use cases.
Flinks Demo - Enrichment — Business Analysis Report
Insights are delivered to our clients via API, or through easy-to-read reports accessible on our dashboard.
Flinks Demo - Connectivity — UI Configurator
Our UI configurator makes it easy to customize every help of the end user experience.
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58 Flinks Reviews

4.4 out of 5
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58 Flinks Reviews
4.4 out of 5
58 Flinks Reviews
4.4 out of 5

Overall Review Sentiment for FlinksQuestion

Time to Implement
<1 day
>12 months
Return on Investment
<6 months
48+ months
Ease of Setup
0 (Difficult)
10 (Easy)
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ME
Mid-Market(51-1000 emp.)
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Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
(Original )Information
What do you like best about Flinks?

We use frequently (every day), the IBV and attributes to evaluate each demand of our customers.

It's easy, paperless and with the attributes, our team gets a quicker view!

With the API connections, you can really benefit and the Flinks team is amazing for making the implementation and integration with the DEVS! The customer support is effective, they respond quickly. We are also always advised with the dashboard (IBV) and notification when a bank is ''down''. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

The downsize is not related only to Flinks : when a bank gets an update on their system, it takes time to ''update'' on Flinks side and that makes problems to receive the IBV's as complete. We then have to wait for the update on Flinks side to be able to receive the IBV. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

Before Flinks, we used to ask the customer to send us their documents by email or fax.

With Flinks, no more risk of fraud, paperless, quicker and easier. Review collected by and hosted on G2.com.

RB
Small-Business(50 or fewer emp.)
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Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

When you can get a successful login, the data is trustworthy. I switched to Flinks for both of my companies, because the data from my previous provider was unreliable and not in the same order as the customers bank statement. Flinks' data is reliable, and in the correct order - which is important for a Payday Loan Company. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

Unfortunately, as many others have mentioned, their technical difficulties are increasing as of late. 1) When we first signed up you could 'refresh' an account within 90 days - now it doesn't work ever. This is unfortunate as being able to refresh an account without customers continually re-logging in was very useful. (This might be new a regulatory restriction - but I don't know). 2) As mentioned by others, customers continually get errors when trying to log in with their correct credentials. The report on our side 'might' work when it says error, but intermittantly. 3) We are getting more Canadian companies with unsupported FI's, and when ask to have them added we are always told NO.

So far, the problems haven't been enough to make us look elsewhere, and again their data is reliable (big plus for Payday Loan company when trying to confirm payments actually cleared). Their platform was much better a couple years ago.

If they can fix the technical glitches, add missing Financial institutions in a TIMELY fashion, and bring back the ability to actually Refresh an account then I would give them 9. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

As a Payday Loan company I really like the ability to download the customers bank statement, confirm they're not borrowing from everybody else, and they aren't bouncing payments. When it works, it works well. Review collected by and hosted on G2.com.

Madison S.
MS
Financial specialist
Financial Services
Mid-Market(51-1000 emp.)
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Review source: G2 invite on behalf of seller
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What do you like best about Flinks?

Flinks has completely transformed my finance job. Its not just helpful, its my wingman in managing financial data simplifying the whole process. By seamlessly integrating with various banking systems it boosts our ability to access and analyze our customers financial details unexpectedly. The realtime precision of the information it offers is great empowering us to make best financial decisions and provide personalized services to our customers with unmatched confidence. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

The primary aspect about Flinks that should be increased is how we create our personal reports. I liken the procedure of putting up specific reports in Flinks to trying to navigate a labyrinth. It can be pretty complicated and confusing. As a ordinary person I regularly discover myself wishing for a easy and streamlined technique to tailor reports enabling us to faucet into Flinks full potential more effectively. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

Flinks has certainly helped us with the important need to quickly and efficiently check client finances for loans. As person working in banking area, I can't say enough about how its fast checks help speed up approvals and lower fraud. It's no longer just about processing loans faster; it's about helping clients by shortening wait times and making things smoother. For sure, Flinks' dependable checks have changed our lending for the better by means of guaranteeing we are efficient and secure with every deal. Review collected by and hosted on G2.com.

MB
Small-Business(50 or fewer emp.)
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Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

The greatest feature of Flinks that makes me like it better than its competitors is the way it fits comfortably in cloud operations. Flinks is known for its greatly flexible nature and goes well in different scenarios which I find to be an amazing feature of a cloud management professional. The response time of their platform is phenomenal, especially with dealing with customer bank accounts. The process through which Flinks facilitates the information flow between banking institutions and our systems is effective and secure. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

The only disadvantage I have noted is that there has been a little resistance from customers to avail their information through Flinks. This drawback appears to be an inbuilt feature of the product, and while Flinks is doing amazingly well, some slowing down of adoption tides can be observed which might pose a challenge for our enterprise. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

Flinks addresses the high-level issue of data fusion and control within banks on our cloud system. Review collected by and hosted on G2.com.

DS
Mid-Market(51-1000 emp.)
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Validated Reviewer
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

Flinks has been outstanding to me as a cloud operations professional. What I like most about it, though, is how flexible and responsive the platform is. It has played a big role in the solution of various integration problems more so with regard to integrating customer bank accounts. The tools offered by Flinks simply make it easy and efficient to access as well as manage bank account information. This type of feature has greatly facilitated our role in serving our clients. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

In contrast, certain features of Flinks may prove to be a little difficult. This creates problems because the credentials of user’s online banking session are retrieved through screen-scraping; still, financial institutions often change their interfaces. This may sometimes need extra assistances and modifications. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

Flinks have been a game-changer for us in terms of problem-solving. It simplifies the implementation of banking information, which is essential in our industry. Review collected by and hosted on G2.com.

Verified User in Financial Services
UF
Mid-Market(51-1000 emp.)
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Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

The overall data analysis in Flinks Attributes is quite valuable. There is raw data down to individual transactions, global data like a list of accounts and balances, and aggregated and summed data.

Flinks Attributes has a lot of API packaging options so one can select from from choices in terms of the amount of data and analysis vs. costs.

The aggregated data is the most useful portion of the data, including Flink's grouping of income into various sources (such as salary income and various kinds of government income) and cash flow analysis. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

The biggest downside is that Flinks uses a screen-scraping approach using the user's online banking session credentials. This means it is quite challenging for them to support a given financial institution as each FI has different online banking interfaces, and these interfaces also change regularly and without notice.

The net result is that the list of supported FIs in Canada is decent but still limited. If the persons having their data analyzed by Flinks don't have accounts at the supported list of FIs, then none of their financial data can be retreived. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

Credit application analysis and adjudication Review collected by and hosted on G2.com.

DR
Systems Engineer
Mid-Market(51-1000 emp.)
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Validated Reviewer
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

Flinks provides an easy-to-use set of tools. The interface makes it very easy to understand the data, so little time is spent deciphering the end customer's profile. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

Generally works well, but occasionally has calculation errors. There is still a need for a person to oversee what the software does, even if the job is straightforward. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

We have been able to know in more detail the profile of each new client. It is easy and convenient, so it becomes easier to make financial decisions.

We also get to collect data from our customer base. This way, we were able to better understand the profile of our ideal client. Review collected by and hosted on G2.com.

Alexandre B.
AB
CTO
Small-Business(50 or fewer emp.)
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Verified Current User
Review source: G2 invite on behalf of seller
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(Original )Information
What do you like best about Flinks?

Easy to implement API with a lot of data available for any use case you can think of using financial data about someone. Their implementation/support team is great as they answer quickly. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

Their cost is a bit step with a mandatory 1 year contract at least which isn't great if you're a startup trying to prototype a proof of concept. Maybe a startup plan or pay as you go would suit this need better. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

We need to validate account numbers and balances to reduce the number of errors our users enter. Review collected by and hosted on G2.com.

catrina g.
CG
Branch Manager
Small-Business(50 or fewer emp.)
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Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about Flinks?

Very quick and love the many easy features and all the guides for quick help are awesome ! was very easy to get set up once we decided no intergration and WALTER IS AWESOME !!!!! Review collected by and hosted on G2.com.

What do you dislike about Flinks?

don't really have a dislike about the systme itself ! very user friendly and very business savy Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

bridging the gap for ease and convience to our clients with a digital age is super important and Flinks is helping us to make that happen Review collected by and hosted on G2.com.

Henry F.
HF
Director, Product Management North America
Enterprise(> 1000 emp.)
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Review source: G2 invite on behalf of seller
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What do you like best about Flinks?

Flinks has been a great organization to deal with from the first day we met, to before we signed an agreement to the current partnership, they have pivioted and supported our every need. Review collected by and hosted on G2.com.

What do you dislike about Flinks?

There has been no downsides to dealing with Flinks. Review collected by and hosted on G2.com.

Recommendations to others considering Flinks:

Great company to deal with, and have a great group of individuals leading the organization. Review collected by and hosted on G2.com.

What problems is Flinks solving and how is that benefiting you?

We have been able to automate our decision making process and eliminate the need for human intervention in the decisioning. Allowing for a true digital experience. Review collected by and hosted on G2.com.