iMobile (ICICI Bank) API Integration & Open Finance Solutions

Deliverables

• OpenAPI / Swagger specifications
• Protocol & authorization flow analysis (OAuth2, token lifecycles, signing)
• Runnable backend samples (Node.js / Python) and SDK templates
• End-to-end test scripts, integration examples and API documentation
• Compliance guidance (data minimization, logging, KYC considerations)

Sample: Retrieve Account Transactions (pseudo-code)

POST /api/v1/imobile/accounts/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'savings-12345',
  'from': '2025-09-01',
  'to': '2025-09-30',
  'page': 1,
  'page_size': 200
}

Response: {
  'status':'OK',
  'transactions':[{
    'id':'TXN20250910001',
    'date':'2025-09-10',
    'amount':-1499.00,
    'currency':'INR',
    'description':'UPI Payment - Grocery',
    'balance_after': 10234.56
  }],
  'page':1,'total_pages':3
}

Key Use Cases

Account linking, transaction aggregation, merchant settlement callbacks, cross-border UPI settlements, and automated reconciliation with financial exports, all customizable to enterprise needs.

Core Advantages

• Compliance-first: access data only with user consent or via public/third-party data sources
• Deliverable source code: runnable backend code and SDK for quick deployment
• Cross-platform support: Android / iOS / server-side integration
• Enterprise-grade security: token management, certificate verification, audit logs and least privilege
• Multilingual documentation: Chinese / English technical docs and samples

Compliance & Security

We perform integrations only with explicit user authorization or through official data sources. We provide privacy and data minimization guidance, auditing logs, and optional NDA support; if deep reverse engineering is required, we clearly state risks and propose compliant alternatives.

1) Preparation & Authorization

1. Provide target app name and required capabilities (e.g., transaction streams, initiate payments, Point integration).
2. Confirm data sources (public API / third-party licensed / user-authorized account aggregation).
3. We will conduct protocol analysis and deliver authorization workflow documentation (OAuth, token lifecycle, callback validation).

2) Integration Steps (example)

1. Install server-side SDK and dependent container images.
2. Register authorization callbacks and secure token storage (encrypted storage, configurable refresh policy).
3. Enable transaction/score pulling or real-time Webhook forwarding.
4. Enable alert rules: credit score thresholds, unusual spending, rate changes.
5. Deliver standardized endpoints: /accounts, /transactions, /credit/score, /offers.

3) Endpoints (pseudo-implementation)

GET /api/v1/accounts?user_id=uid_12345
GET /api/v1/transactions?account_id=acc_987&from=2025-09-01&to=2025-09-30
POST /api/v1/credit/alerts  (receive and register webhook)
POST /api/v1/offers/compare  (merge third-party offers and return Approval Odds)

About Our Studio

We are a studio focused on app protocol analysis and authorized API integration. Our team has deep experience in fintech and mobile app security, offering end-to-end services from protocol analysis to compliant delivery.

• Supports Android / iOS protocol analysis and cross-platform SDKs
• Compliance-first, with guidance on privacy and data retention
• Deliver runnable backend code, deployment guidance and security audit

Contact & Next Steps

To get a quote or submit target app name and integration requirements, please visit our contact page and reach out:

Go to Contact / Submit Request