Deeper financial intelligence.
Not just access.
Flinks delivers high-reliability connectivity and 4,500+ structured financial attributes that turn financial data into actionable insights across lending, fintech, and financial institution workflows.
Trusted by leading financial institutions and innovators
When access alone isn’t enough
Finicity, as part of the Mastercard Open Finance ecosystem, provides secure, real-time access to financial data. But access alone does not deliver understanding. As financial products become more automated and data-driven, teams need structured financial attributes, richer cash flow insights, and data models built for decisioning at scale.
For organizations operating beyond the U.S., consistent performance and institutional coverage become even more critical. In markets like Canada, reliability and data depth are essential to building smarter financial experiences.
For organizations operating beyond the U.S., consistent performance and institutional coverage become even more critical. In markets like Canada, reliability and data depth are essential to building smarter financial experiences.
The Flinks difference
RELIABILITY & COVERAGE
Connect with confidence, at scale
95%+ success rates across 15,000+ financial institutions in North America help reduce drop-offs and support instant bank verification. With strong performance across both U.S. and Canadian banks, Flinks delivers the reliability teams need to power trusted financial experiences.
.avif)
.avif)
UNDERWRITING
Smarter insights. Stronger decisions.
4,500+ enriched financial attributes deliver a complete financial picture, covering transactions, income, cash flow trends, liabilities, NSF events, overdrafts, loan stacking, and more. All data is delivered in a consistent, structured format, making it easy to extract meaningful insights and support automated decisioning across lending, fintech, and financial institution use cases.
INCOME VERIFICATION
Go beyond income summaries
Flinks provides detailed insights into income sources, consistency, and volatility backed by transaction data and cash flow analysis. This enables more accurate income verification than relying on high-level summaries or limited income indicators alone.
.svg)
DOCUMENT PROCESSING
Verify documents with built-in fraud protection
From bank statements to void cheques, Flinks extracts and structures financial data in near real time. AI-powered document fraud detection, trained on 100M+ documents, helps teams verify information and detect up to 3x more fraud than manual reviews.
Explore our 4,500+ attributesbuilt for smarter decisioning
Explore the different attributes that we offer.
Employer income
Pension income
Non-employer income
Transaction breakdown
Government income
Average and total
Child support income
Trend and frequency
Social assistance income
And more
Minimum balance
Loan payments
Days with negative balance
Utility payments
Employer income
NSF fees
Total deposits
Average monthly expenses
Monthly free cash flow
And more
Income attributes
Account age
Credit risk attributes
Purchasing trend
Employer income
Trend and frequency
Loan deposits
Average and total
NSF fees
And more
Income attributes
Recurring payments
Credit risk attributes
Debit activity trend
Average monthly payments
Credit activity trend
NSF fees
Average montly expenses
Monthly free cash flow
And more
Average monthly
Rent deposits
Average deposit
Trend
Last two deposit dates
Frequency
Sum per calendar month
Total detected
Insurance deposits
And more
Flinks vs Finicity at a glance
Connectivity
15,000+ financial institutions across North America, with strong reliability and coverage in both the U.S. and Canada.
Underwriting
4,500+ enriched financial attributes that support automated underwriting and decisioning.
Income verification
Detailed insights into income sources, consistency, and volatility backed by transaction data and cash flow analysis.
Document processing
End users can upload financial documents, with data extracted and structured automatically.
Fraud detection
AI-powered document fraud detection for bank statements and void cheques, trained on 100M+ documents.
Finicity
Onboarding
Broad connectivity across U.S. financial institutions, with less consistent performance outside the U.S.
Underwriting
Banking data and enrichment focused primarily on access, income summaries, and high-level insights.
Income verification
Income verification focused on summaries of deposits and historical income data.
Document processing is not a core capability of the platform.
Fraud detection is not a core capability of the platform.
Built for your success
Exceptional customer experience
Onboarding in days, responsive service, and a team that stays close well beyond implementation.
Intuitive dashboard
For customers who aren’t API-ready, Flinks provides a ready-to-use dashboard that makes setup fast and easy.
Simple pricing
A streamlined pricing model that keeps costs predictable and scalable for companies of all sizes.
What our customers say about us
“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.”
Read case study
“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Read case study
“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Read case study
“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.”
Read case study
“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Read case study
“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Read case study
Move beyond access
Flinks delivers deeper financial intelligence, structured attributes, and reliable connectivity to power smarter financial decisions at scale.
Talk to an expert