# FinBox Lending: Web

FinBox Lending SDK is a drop-in module that can add a digital lending journey to any mobile or web application.

# Workflow

The flow for web SDK involves following steps:

Create a user using Create User API (One Time)
Get Eligibility of the user using Get Eligibility API (One time)

Now everytime user initiates/resumes their lending journey by clicking on a banner/button on your app/website:

Call the Session API to get the URL, which can be rendered in a web view, or can be redirected to
Once user completes the journey they are redirected to the specified URL.

NOTE

All the above APIs are called at server side.
Webhook can be configured to get updates about the loan applications.

# Session API

To start with the integration, call the following API to create a user session:

Endpoint

POST base_url/v1/user/session

# Authentication

This API require a Server API Key to be passed in x-api-key header. This API Key will be shared directly by FinBox along with base_url. Make sure this key is not exposed in any of your client side applications.

# Request Format

{
    "customerID": "somecustomerid",
    "redirectURL": "https://yoururl/redirect/to/after/user/exits"
}

NOTE

Once the user exits the loan journey at any point, the SDK will redirect to the above specified URL
Make sure this API is called only when the user is created and eligibility is fetched.

Tracking Source

In case you are using same API key across different platforms, and want to track the source of the user, also pass a string field source in the request body, indicating a unique source from which the user is accessing the SDK from.

Hide Close Button

In case you want to hide the close button from the sdk navbar you can pass a boolean field hideClose with value true.

{
  “customerID”: “somecustomerid”,
  “hideClose”: true
}

# Response

{
    "data": {
        "url": "https://lendingwebuat.finbox.in/session/167af08b-b33f-47f3"
    },
    "error": "",
    "status": true
}

Use url to open up the Lending SDK. This URL can be:

rendered in a mobile Web View
opened in a new tab or current window.

# Error Cases

Case	HTTP Code
Missing customerID	403
Missing redirectURL	403
User does not exist	404
User eligibility not available	400
User not eligible for loan	403

# Integrating DeviceConnect

Web SDK holds the entire lending journey without capturing any user device information (alternate data). Loan approval rate depends on the data that is available, to boost the approval rate of a customer without any bureau data we recommend the use of DeviceConnect.

We support DeviceConnect integration for the following platforms. Please refer the integration doc for the same below:

# Credit Line

In case of credit line, once the lending journey is completed, user can opt-in for a credit while doing a transaction.For such a case use the Session API with two extra inputs withdrawAmount and transactionID.

Endpoint

POST base_url/v1/user/session

# Request Format

{
    "customerID": "somecustomerid",
    "redirectURL": "https://yoururl/redirect/to/after/user/exits",
    "withdrawAmount": 18000,
    "transactionID": "some_txn_id"
}

withdrawAmount is the amount (in Float) that the user is trying to withdraw.
transactionID is the transaction ID (in String) for the withdrawal.

# Error Cases

Case	HTTP Code
transactionID already exists	409

# Events

Some events are given by the SDK when user exits the SDK , application completed ...etc.

Event	Description
APPLICATION_COMPLETED	Loan Application completed
EXIT	User exits SDK
PAYMENT_SUCCESSFULL	Credit Line withdraw successful. Transaction ID will also be passed in the callback.
OTP_LIMIT_EXCEEDED	Too many incorrect OTP in Credit Line withdrawal

Above Events can be recieved in three ways

Listen to window postMessage via target.addEventListener("message", (event) =>{}); Eg: Post Message
```
{
    "type":"finbox-lending",
    "status":"EXIT"
}
```

NOTE

In case of PAYMENT_SUCCESSFULL event :-

   {
       "type":"finbox-lending",
       "status":"EXIT",
       "txnID":"<Transaction ID>"
   }

The events are also passed through the configured redirect URL. Eg: Redirect https://your-redirect.url/?status=EXIT

NOTE

In case of PAYMENT_SUCCESSFULL event :- https://your-redirect.url/?status=EXIT&txnID=<Transaction ID>

In case the SDK is used in a Android WebView. A Javascript Interface (opens new window) can be used to get the events.

Interface Name: FinboxWebViewInterface
Callback Function: finboxCallBack. Recieves two parameter
- status
- txnID in case of event PAYMENT_SUCCESSFULL

# Customizations

You can share the following JSON (or its subset) with FinBox team to customize the look and feel of the lending journey:

{
    "primaryDark": "#515F7F",
    "primaryMedium": "#6F7A94",
    "primaryLight": "#B7C5CF",
    "accentColor": "#0075FF",
    "tileBackground": "#F4F8FC",
    "errorColor": "#F44336bb",
    "warningBackground": "#FDF0EF"
}

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