Make Better Credit Decisions Using Employment Data
Smile provides user-authorized access to recent, comprehensive, verified employment data that is accessible real-time from gig economy platforms, HR and payroll systems, and social insurance systems through a single API.
Multiple use cases and business models can be enabled via Smile
Smile provides employment data across platforms and employers, all through a single API
If you work for a lender, bank, or fintech, you can use Smile API in many ways!
BENEFITS
Instant Data Access
Instant access to the most recent, comprehensive, verified data about your users' identity, employment, and income, made available with their consent.
Identities
Get vetted identity information from current and previous employers such as name, birthday, gender, contact information, and address.
Transactions
Get financial information, including account balances, previous transactions, and other relevant financial information.
Employments
Get previous employment history, including job title, job description status, tenure, employer names, and others.
Incomes
Get historical, summarized income information such as base pay, gross pay, net pay, and other components that make up income.
Ratings
Get past ratings or performance evaluations. Get date, ratings and related work performed. Rating can be a leading indicator for credit-worthiness.
Documents
Get documentary information such as ID cards, diplomas, certificates, and other types of documentary information owned by a person..
Assets
Get data on assets owned and used for employment such as vehicles, devices, equipment and others that may be useful for qualification and verification.
Schools
Get past educational background such as schools attended, date of attendance, degrees or diplomas earned and others.
Ready to get started? Contact us today!
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Southeast Asia Deals Monitor: Smile API gets investment from CreditEase and Plug and Play
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Utilizing fintech to streamline employment and income data from different platfrms
Smile API’s secure employee-owned data fast-tracks applications for financial services
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Company launches employee info system to make data accessible to financial institutions in the Philippines
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Smile API announced the launch of a new digital platform designed to facilitate loan application approval within just a few seconds
