Overview

SingleView SME Onboarding enables digital channels to onboard eligible SME customers and open business accounts with Bank Albilad in the Kingdom of Saudi Arabia.

SingleView provides the API integration layer through which approved digital channels can access the services required for SME onboarding.

The APIs support the key stages of the onboarding journey, including customer OTP verification, customer validation, user management, Nafath identity verification, retrieval of onboarding reference data, and SME account creation.

Onboarding flow

• Generate OTP
  The journey starts by generating an OTP for the customer.
• Validate Customer
  The customer's identity and SME information are validated using the required identification, unified number, date of birth, mobile number, and OTP details.
• Manage User
  A digital user profile is created and the customer defines credentials such as the Pass Code and Security PIN.
• Nafath Call Status
  Verify Nafath call status before initiating Nafath verification journey.
• Initiate Nafath Verification
  The customer is directed through the Nafath identity-verification journey. The integration initiates the request and subsequently checks its status.
• Nafath Verification Status
  Check status of Nafath verification before proceeding to creation of account.
• List of Values
  Reference data for industry and sector retrieved on demand whenever required by an onboarding screen.
• Create SME Account
  After successful verification, the validated customer and business information is submitted to create the SME account.
• Registration completed
  A successful account-creation response marks the onboarding journey as completed.
• Callback
  A configured callback can be used to notify the consuming application after account creation.

Prerequisites

Before integrating the APIs, ensure that you have:

Integration requirements

• An approved SingleView integration
• Valid API authorization credentials
• A CompanyId assigned for the integration
• A mechanism for generating and maintaining the required Signature
• Access to the appropriate SingleView environment
• A secure server-side environment for making API requests

Authentication overview

All API requests must be authenticated using the credentials and security mechanism provided during the SingleView integration. Requests use common headers such as: