Allo Bank Integration & OpenFinance Services

Core Deliverables

• Protocol analysis report (authorized flows, tokens, cookies, certificates)
• Complete API specification (OpenAPI / Swagger)
• Runnable reference implementation (Node.js / Python) with authentication and refresh logic
• SDKs and example frontend integrations (React / Android / iOS snippets)
• Automated test scripts, Postman collection and e2e verification

Security & Compliance Package

• Data minimisation & retention guidance (OJK / LPS context)
• PCI & sensitive data handling checklist
• NDA & consent record templates for customer-authorized integrations
• Logging, audit trails and consent proofs for dispute resolution

Operational Handover

Deployment scripts, CI pipelines, runbooks and monitoring rules so your team can take over with minimal ramp-up time.

Step-by-step Integration

1. Share target scope (e.g., transaction access, PayLater originations, QRIS merchant flows).
2. We perform protocol discovery (2–4 business days) and return an endpoint map and auth strategy.
3. Approve design: API contract (OpenAPI) and security model (OAuth2 / token chaining / mutual TLS).
4. We deliver reference implementation + SDKs and run integration tests in your sandbox or test environment.
5. Go-live support: webhook validation, reconciliation guidance and post-launch monitoring.

Sample Endpoint: Transaction Statement (pseudo-API)

POST /api/v1/allo/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "customer_id": "user-12345",
  "account_id": "savings-9876",
  "from_date": "2025-08-01",
  "to_date": "2025-09-30",
  "page": 1,
  "page_size": 100
}

Response 200 OK
{
  "status":"OK",
  "transactions":[
    {"txn_id":"TXN001","date":"2025-09-03","amount":-150000,"currency":"IDR","description":"QRIS - Indomaret","balance":850000},
    {"txn_id":"TXN002","date":"2025-09-05","amount":500000,"description":"Salary Credit","balance":1350000}
  ],
  "pagination":{"page":1,"page_size":100,"total":27}
}

Technical Benefits

• Production-ready APIs with standard OpenAPI docs
• Reusable SDKs and CI tests to speed integrations
• Reduced time-to-market for PayLater and merchant features

Business Benefits

• Onboard partners faster (QRIS merchants, retail chains)
• Monetize PayLater product data securely
• Provide customers with statement exports and budgeting tools

About our Studio

We are a technical service studio specialising in app interface analysis, OpenData/OpenFinance integration and authorized API implementation for fintech and consumer apps. Core team members come from banks, payment gateways and mobile platform teams. We deliver protocol analysis, refactored interfaces, automated data scripts and ready-to-run source code.

• Platform expertise: Android & iOS app flows, OAuth2, mutual TLS and token exchange
• Delivery: OpenAPI, SDKs (Node/Python/Go), Postman & test suites
• Compliance-first: privacy, data retention and regulator alignment (regional)

Contact & Next Steps

Provide the target app package ID (we already have com.alloapp.yump), scope of access needed, and whether you have an internal sandbox or credentials. We will return a proposal and a sample contract.

Contact us