Data Sources
Overview
timveroOS provides comprehensive data integration capabilities to support informed lending decisions. The platform enables connections to various external data providers and internal systems through a flexible integration framework.
Integration Architecture
timveroOS uses a Subject-based pattern for data source integration:
How It Works:
Subject Definition: Each data source requires a "subject" that defines what data to fetch (e.g., participant ID, credit application)
Data Retrieval: The system calls the data source with the subject information
Parsing: Retrieved data is automatically parsed into structured objects
Feature Creation: Parsed data becomes available as features for workflows
Custom Integration Pattern: New data sources can be integrated by implementing the MappedDataSource interface, which requires:
getData() method for fetching raw data
parseRecord() method for converting to structured data
Error handling for unavailable data scenarios
Performance Considerations:
Data is cached according to configured TTL values
Failed requests are logged for monitoring
Retry logic is configurable per data source
Data Source Categories
Credit Bureau Integration
The system supports integration with major credit bureaus:
Experian: Credit reports, identity verification, business credit
Equifax: Consumer credit data, verification services
TransUnion: Credit monitoring, fraud detection
Specialized Bureaus: Additional data providers as configured
Banking and Financial Data
Connect to banking data providers for:
Account verification
Transaction analysis
Income verification
Cash flow assessment
Integrated Providers:
Plaid: Bank account verification, transaction data
Tink: Open banking connectivity
TrueLayer: Payment initiation, account information
Business Data Sources
Access business financial information through:
Boss Insights: Business analytics and insights
Zoho: Books API, Expense API, Inventory API
Bud: Financial data aggregation
Specialized Data Providers
MarketCheck: Vehicle valuation for auto lending
Plumery: Vendor data services
Mambu: Core banking integration
Pre-Integrated Providers
timveroOS includes ready-to-deploy integrations with the following providers:
Data Provider
Available Services
Common Use Cases
Experian
ConsumerView API, Delphi Select V2, Microcells API, WorldView API, PowerCurve, Business Decisioning, Commercial Credit, KYC, Business Ownership, Business Profile
Credit assessment, identity verification, business credit analysis
Boss Insights
Business financial data and analytics
Commercial lending decisions, cash flow analysis
Mambu
Core banking platform integration
Account data, transaction history
Plumery
Vendor data services
Various data verification needs
Plaid
Payments and funding API, Financial insights API, Credit and underwriting
Income verification, account ownership, transaction analysis
Tink
Open banking services
Account aggregation, payment initiation
Zoho
Books API, Expense API, Inventory API, Invoice API, Billing API
Business financial management data
TrueLayer
Open banking and payments
Account information, payment processing
Bud
Financial data intelligence
Transaction categorization, insights
MarketCheck
Vehicle data and valuations
Auto loan underwriting, collateral valuation
Integration Process
Configuration Steps
Enable Provider
Select from available integrations
Configure authentication credentials
Set up data permissions
Map Data Fields
Link provider fields to system attributes
Configure data transformations
Set validation rules
Test Integration
Verify connectivity
Test data retrieval
Validate field mappings
Deploy to Production
Enable for live processing
Monitor performance
Track usage metrics
Data Usage in Workflows
Feature Creation
When integrated data is retrieved, it can be transformed into features through the Feature Store for use in workflow decision logic. See Feature Store for detailed configuration instructions.
Features support:
Credit scoring algorithms
Risk assessment models
Eligibility determinations
Workflow decision logic
Workflow Integration
Data sources connect to workflows through:
Load Datasource tasks in workflow designer
Automatic data retrieval triggers
Conditional data fetching based on rules
Real-time or batch processing options
Data Transformation
The system supports transforming raw data into usable features:
Direct value usage (e.g., credit scores)
Calculated metrics (e.g., debt ratios)
Aggregated values (e.g., transaction summaries)
Derived indicators (e.g., stability scores)
Configuration Management
Authentication
Each data source requires appropriate authentication:
API keys
OAuth credentials
Certificate-based authentication
IP whitelisting where required
Data Freshness
Configure how often data should be refreshed:
Real-time queries for critical decisions
Cached data for frequently accessed information
Scheduled updates for batch processing
Event-triggered refreshes
Error Handling
The system provides robust error handling:
Connection retry mechanisms
Fallback data sources
Error logging and alerts
Manual intervention workflows
Security and Compliance
Data Security
All integrations implement:
Encrypted data transmission
Secure credential storage
Access logging
Data retention policies
Compliance Features
Consent management
Audit trail maintenance
Data minimization
Right to deletion support
Performance Considerations
Optimization Strategies
Efficient data caching
Parallel processing where applicable
Query optimization
Resource management
Monitoring
Track integration performance through:
Response time metrics
Success rate monitoring
Data quality indicators
Usage analytics
Technical Implementation
Data sources configured in the admin interface correspond to SDK implementations of the DataSource or MappedDataSource interfaces. Each integration requires:
Subject interface defining required input data
Target class representing the parsed response
Service implementation handling API calls
Error handling for data unavailability
For technical details on implementing custom data sources, consult your development team or SDK documentation.
Best Practices
Integration Design
Start with essential data sources
Test thoroughly before production use
Document field mappings
Monitor usage patterns
Data Quality
Validate incoming data
Handle missing values appropriately
Track data accuracy
Regular quality audits
Operational Management
Regular credential updates
Performance monitoring
Cost optimization
Capacity planning
Common Use Cases
Credit Application Processing
Retrieve credit bureau data
Verify bank account ownership
Analyze income patterns
Calculate risk metrics
Business Lending
Access business financial data
Analyze cash flow patterns
Verify business ownership
Assess business creditworthiness
Auto Lending
Verify applicant identity
Check credit history
Value vehicle collateral
Confirm insurance coverage
Adding New Integrations
While timveroOS includes many pre-integrated providers, additional data sources can be connected:
Identify Requirements
Data types needed
Integration method
Security requirements
Development Process
API documentation review
Integration development
Testing and validation
Deployment
Configuration setup
Production testing
Monitoring establishment
Note: New integrations can typically be added within hours through the integration interface.
Troubleshooting
Connection Issues
Verify credentials are current
Check network connectivity
Review API status
Examine error logs
Data Quality Issues
Validate field mappings
Check transformation rules
Review source data quality
Adjust validation rules
Performance Problems
Monitor API response times
Check rate limits
Review caching settings
Optimize query patterns
Next Steps
With data sources configured, explore:
Feature Store - Transform raw data into reusable features
Metrics Engine - Create calculations from integrated data
Workflow Management - Use data in automated decisions
BI Dashboard - Visualize integrated data
For additional data integration support, consult your implementation team or system documentation.
Last updated
Was this helpful?