TransUnion CIBIL Limited
About the Developer Portal
TransUnion CIBIL API Developer Portal is a complete suite of Credit API platform stack which is a one-stop portal providing a range of solutions across credit, insurance, high risk and agricultural credit solutions for Credit Institutions, i.e.Banks, NBFCs and other Fintechs active in the credit underwriting space. It aims to expand the credit landscape in India, focusing on financial inclusion, transparency and ease of integration, thereby empowering Credit Institutions and enabling a seamless credit journey / experience for borrowers.
The Transunion CIBIL API Developer Portal framework empowers all stakeholders in the lending ecosystem to reach out to previously untapped segments. The new-age APIs make the lending process robust and efficient, enabling higher credit coverage/ access at a rapid pace.
TransUnion CIBIL API Developer Portal is designed ground up to help drive significant benefits for all the key stakeholders. It has a host of innovative features which would support lenders across the lending value-chain
The TransUnion CIBIL API Developer Portal is content-rich and developer-friendly. The portal navigation is very intuitive, and fast-track integration features enable quick go-live
Key Features of The TransUnion CIBIL API Developer Portal:
- Single Click Access: A simple 3 step process to enroll and start exploration of APIs
- Group-workspaces: Credit Institution members can create multiple groups within the organization to collaborate with various teams like Functional (Product) & Technical (Developer) teams to ideate on solutions which best suits their business use case.
- Search & Discoverability: Knowledge management on the portal provides comprehensive capabilities to narrow Industry specific & domain specific searches to focus on specific API requirements.
- Comprehensive Documentation: API structures are well documented with FAQs, error conditions, and sample codes, for ease of understanding. Code snippets in popularly used programming languages by Developer community are made available to easily build code in their environment.
- ‘Try it Out’ Sandbox: The sandbox environment attached to the TransUnion CIBIL API Developer Portal facilitates quick familiarization and evaluation of use-case-based virtual API testing services. The sandbox is available with generic test cases that is popularly use by Credit Institution members in the Credit Underwriting domain to facilitate first level UAT thereby reducing UAT lifecycle and promoting a faster go-to-market approach.
- Robust and Secured Workflow: Selection and Subscription of APIs takes place in a single seamless journey. Access-control is centralized and monitored.
- Rate Limits & Quotas: Flexibility in applying rate limits on APIs and also on specific Credit Institution members.
- One-View Dashboard: A bird’s eye view on subscriptions and related information of utilization in terms of volumes & users.
Why They Stand Out
Best Served API Business Model
The TransUnion CIBIL API Developer Portal focuses on easier adoption by its Credit Institution members, as the TransUnion CIBIL API Developer Portal provides them with state-of-art technology that makes it safe & secure, without compromising on performance. Credit Institution members are kept agnostic of any upgrades that the TransUnion CIBIL API Developer Portal undergoes.
TransUnion CIBIL API Developer Portal monetizes on the option of flexibility & customized features that it can offer to its Credit Institution members.
Key features are highlighted as stated below:
- Highest level of transaction security standards implemented to adhere to Infosec guidelines.
- Credit Institution member specific configuration and customization to cater to unique requirements while maintaining standardization of the API
- The current API design enables us to append unlimited insights to the output delivered to Credit Institution members, which they can choose from the existing catalog and co-create additional insights as per their business use case. These insights help Credit Institutions members to take better, faster and more efficient decisions with regards to lending.
- Credit Institution members can opt to receive bespoke outputs catered to the requirement of their individual business units or business functions. These include pick-n-choose of sections that may or may not be required by the specific business units at run time.
- Single secure trusted pipeline which also enables unmatched customer experience
Best Findability of Products in a Developer Portal
Users of Credit Institutions can self-explore the APIs independently as they find it easier to navigate through the portal and look for solutions that best match their requirement.
On the TransUnion CIBIL API Developer Portal, APIs are listed as per solution specific & industry specific. Credit Institutions catering to specific segment can look for APIs which best describes their business use case.
Every APIs are tagged with identifiers that represent elements of the end product. This makes, findability of APIs easier as, a User can look for APIs on basis of key words or search tags.
