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44 changes: 27 additions & 17 deletions docs/device-connect/README.md
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# DeviceConnect: Introduction

FinBox DeviceConnect is a cutting-edge alternative scoring platform that leverages the power of enriched device data to revolutionize the financial services industry. By analyzing vast datasets, DeviceConnect generates the FinBox Inclusion Score (FIS), a unique metric that assesses creditworthiness beyond traditional credit scores.
FinBox DeviceConnect is an advanced alternative scoring platform that redefines credit decisioning by harnessing enriched device intelligence. By analysing vast behavioural and financial data points, DeviceConnect powers the **FinBox Inclusion Score (FIS)** —a proprietary metric that extends credit access beyond traditional bureau-based assessments.

**Key Benefits for Businesses:**
### Why Leading Enterprises Choose DeviceConnect

- **Enhanced Approvals:** Streamline the loan application process and increase approval rates for a wider range of borrowers, including those with limited or no credit history (thin-file customers).
**Accelerate Approvals & Expand Market Reach**
- Enable faster and more efficient underwriting by leveraging real-time, device-driven risk indicators.
- Expand credit access to thin-file and new-to-credit customers, unlocking untapped borrower segments.

- **Lower Portfolio Risk:** Reduce credit risk and enhance the overall profitability of your lending portfolio through more accurate risk assessments and improved borrower segmentation.
**Strengthen Portfolio Resilience & Reduce Risk**
- Improve risk stratification through multi-dimensional borrower insights, leading to more precise credit assessments.
- Minimize default rates with early warning signals powered by alternative behavioural and financial data.

- **Data-Driven Decision Making:** Gain deeper insights into borrower behavior, allowing for the creation of early warning systems, prioritization of customer interactions, and identification of cross-selling opportunities.
**Empower Data-Driven Decision Making**
- Drive deeper customer intelligence to optimize lending strategies, prioritize outreach, and personalize engagement.
- Identify cross-sell and up-sell opportunities using a more comprehensive view of customer financial health.

- **Competitive Advantage:** Differentiate your business by offering innovative and inclusive financial products that cater to a wider range of customers.
**Stay Ahead with a Competitive Edge**
- Differentiate your lending and risk models with a scalable, API-first platform that integrates seamlessly into existing workflows.
- Enable hyper-personalized financial products that cater to a diverse customer base, fostering long-term loyalty.

**Benefits for Borrowers:**
**Unlocking Credit Access for Borrowers**
- **Democratized Credit Access**: Enables individuals with limited or no credit history to access fair and flexible financial products.
- **Better Loan Terms**: Facilitates more competitive interest rates, extended loan tenures, and optimized credit limits based on enriched financial insights.
- **Financial Inclusion at Scale**: Bridges the gap for underserved segments, promoting equitable access to credit.

- **Improved Access to Credit:** Enables individuals with limited credit history to access financial products with more favorable terms, including better interest rates, longer loan terms, and higher loan amounts.
### Key Use Cases
- **Lending** – Enhance underwriting for personal loans, SME financing, and mortgages with richer data insights.
- **Wealth Management** – Personalize investment and savings recommendations with a deeper financial behaviour profile.
- **Insurance** – Improve risk-based pricing and fraud detection by leveraging alternative datasets.

- **Enhanced Financial Inclusion:** Promotes greater financial inclusion by providing access to credit for underserved populations.

**Key Applications:**

- **Lending:** Develop innovative lending products, including personal loans, business loans, and mortgages, for a wider range of borrowers.

- **Wealth Management:** Offer personalized wealth management solutions based on a deeper understanding of customer financial behavior.

- **Insurance:** Underwrite insurance policies more accurately and efficiently by leveraging alternative data sources.
### Seamless API Integration
DeviceConnect is built for modern enterprises, offering:
- **Low-latency APIs** for real-time decisioning
- **Compliant & secure data processing** aligned with global regulatory standards
- **Flexible deployment options**, including on-premise and cloud-based solutions

::: tip Try DeviceConnect
[Contact us](https://finbox.in/contact-us) and request for a pilot.
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26 changes: 17 additions & 9 deletions docs/device-connect/frontend-integration.md
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# DeviceConnect: Frontend Integration Flow

DeviceConnect empowers businesses with real-time, anonymized data intelligence to drive smarter decision-making. Follow these key integration steps to ensure a seamless and privacy-compliant implementation

The frontend integration process consists of three key steps.

<img src="/device_connect_android_integration.jpg" alt="Device Connect Android Integration Workflow" style="width:80%;height:80%" />
Expand All @@ -12,28 +14,34 @@ Refer to the [Handle Permissions](/device-connect/permissions.html#runtime-permi

### Step 2: Creating the User

After obtaining runtime permissions, you can call the `createUser` method with a specified `CUSTOMER_ID` which serves as a unique identifier for the user.
After obtaining runtime permissions, create a unique user within the FinBox system. To do this, you can call the `createUser` method with a specified `CUSTOMER_ID` which serves as a unique identifier for the user.

The `createUser` method not only creates a user in the FinBox system but also serves as a validation check for your API credentials. This ensures that the credentials provided during integration are authorized and correct, allowing subsequent steps, such as data syncing, to proceed securely.

For sample code and response details, Refer to section [Create User](/device-connect/android.html#create-user)

::: tip TIP

- Avoid using unique personal identifiers like phone numbers or email addresses to ensure user anonymity, when creating the `CUSTOMER_ID`
- Avoid using sensitive personal identifiers like phone numbers or email addresses to ensure user anonymity, when creating the `CUSTOMER_ID`
- Call the `createUser` method even if some permissions are denied by the user. The SDK will automatically sync data based on the granted permissions.
:::

### Step 3: Start Syncing Data
### Step 3: Initiating Data Synchronization

Call `createUser`, and after receiving a successful response, invoke the `startPeriodicSync` function.
(Refer [Start Periodic Sync](/device-connect/android.html#start-periodic-sync) section)

Only after the `createUser` method returns a successful response, call the `startPeriodicSync` function (Refer [Start Periodic Sync](/device-connect/android.html#start-periodic-sync) section)
This function ensures data collection both during the user journey and in the background while the app is running.

This function will sync data at periodic intervals in the background.
If a user initially denies a permission but grants it later, the SDK will automatically collect the data during the next scheduled sync (as per the set frequency).

::: danger IMPORTANT

- The recommended approach is to call the `createUser` method (and subsequently `startPeriodicSync` on success) each time the user accesses the app. This ensures the background sync process remains active, handles any permission changes seamlessly, and maintains a consistent connection with the FinBox servers
- To ensure seamless communication between the FinBox server and the SDK, it is essential to **forward notifications to the SDK**. This enables the app to handle background process interruptions effectively. Refer [Forward Notifications to SDK
](/device-connect/android.html#forward-notifications-to-sdk) section for it
- In the case of a multi-process application, it is required to initialize the SDK manually before calling the `createUser` method. Refer [Multi-Process Support](/device-connect/android.html#multi-process-support) section for such cases.
- Call `createUser` every time the user opens the app, and on success, call `startPeriodicSync`. This keeps background syncing active, adapts to any permission changes, and ensures a steady connection with FinBox servers.
- Forward notifications to the SDK to handle background process interruptions (Refer to Forward Notifications to SDK). Refer to [Forward Notifications to SDK](/device-connect/android.html#forward-notifications-to-sdk)
- For multi-process applications, manually initialize the SDK before calling createUser. Refer to [Multi-Process Support](/device-connect/android.html#multi-process-support) section for such cases.
:::

:::tip Integrate Today!
Drive Smarter Decisions with DeviceConnect
:::
41 changes: 27 additions & 14 deletions docs/device-connect/integration-flow.md
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# DeviceConnect: Integration Flow

Follow the steps below to securely collect device intelligence and access real-time insights via FinBox.

DeviceConnect SDK Integration Summary:

**User Permissions & Consent**:
**1. User Permissions & Consent**:

* Ask for user permissions to enable anonymized device data collection.
* Make sure your app complies with relevant privacy and regulatory requirements.
* Clearly show the purpose of data collection to build user trust.

**2. SDK Initialization & User Creation**:

* Initialize the SDK early in your app’s lifecycle
* Assign a unique, custom-generated user hash — no PII should be used or stored
* Start periodic syncing to ensure data is sent to FinBox servers


**3. Intelligent Data Synchronization**:

* Obtain necessary user permissions for anonymized data collection.
* Ensure full compliance with privacy policies and user trust.
* Once periodic syncing is enabled, anonymized device data is automatically sent to FinBox every 8 hours

**SDK Initialization & User Creation**:
::: tip Advanced Features
Fraud Detection – Detect risky behavior using device-level signals in near real time.

* Initialize the SDK.
* Create a user with a custom hash (no PII).
On-Demand Sync – Trigger data syncs manually to fetch the latest behavioral signals, even if the app is inactive
:::

**Data Synchronization**:
**4. Real-Time Decisioning via Insights API**:

* Anonymized data is synced to FinBox every 8 hours by default.
* Supports advanced features:
* Fraud control
* Real-time data collection requests (even if app is killed)
* Use the Insights API to access processed data and actionable insights.

**Insights API**:
* Integrate it into your credit decisioning or risk models to support:

* Access actionable insights derived from processed data.
* Use the Insights API for real-time decision-making at key customer journey touchpoints
* Credit underwriting
* Fraud risk checks
* Customer segmentation & personalization

<img src="/device_connect_integration.svg" alt="Device Connect Integration Workflow" style="width:150%;height:150%" />

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