Integrations

Engage your users and monetize with one of Engine's customizable integrations: Partner Page, Embed, and Native API (tier dependent).

In this article, we’ll go over:

• What is an integration?

• Customizing your integration

• Setting up tracking for your integration

• Setting up a Native API integration

What is an integration?

Engine by MoneyLion offers multiple turnkey and fully customizable solutions (i.e., integrations) to add financial products to your business for monetization. Whether you want to: quickly go to market with easy-to-implement, pre-packaged solutions; build anything with our API; or work collaboratively with us to create a fully native solution — Engine has an integration for you.

Engine offers three primary integration options:

Partner Page

A Partner Page allows any partner to leverage the Engine network with no technical integration. These white label web pages support full customization, branding, and all of Engine's platform features.

Embed

Partners can leverage the Embed to offer any products within the Engine network, without any technical lift or concerns about security and performance. The Engine Embed is fully customizable, including custom colors, themes, and user journeys that can be tailored to your audience. While most Embeds are placed within full-width page content, they are flexible enough to work on any site or display setting, and can be: used as an ad unit, set at a fixed size, or configured to act as a lead generator for a Partner Page.

Embeds support: all Engine platform features, all monetization types, custom tracking, and analytics.

Native API

Engine's Native API integration can return offers for all of our financial products through a single endpoint for creating leads and generating rate tables with personalized offers. With Native API, partners have the ability to create custom user interfaces that are integrated within existing user experiences or where an Embed is not possible. For example, a personal finance application may use the Native API directly to generate offers and display them across the application.

When using the real-time pricing model, partners leveraging Native API have direct access to offer-pricing information. This allows partners to make real-time decisions when presenting offers to their users.

Customizing your integration

Align your integration to your brand standards and fully customize its look and feel with our Partner Wizard. The Wizard offers an interactive and visual way to discover the functionality of integrations. To learn more about specific features, click the tooltip next to each field.

From here, you can customize your logo, font, color, and page configurations. The level of customization you will have access to is dependent on the plan you choose.

Starter Plan

For Starter users, you will only have access to the logo customizations. All other fields with a lock symbol next to them are for Growth and Scale users. To access these features, you may upgrade at any time to our Growth or Scale Plans.

Growth Plan

Growth users will have access to all fields. If you have multiple product pages for different product types, you might notice that the configuration settings slightly vary. We have incorporated customized configurations that best cater to the needs of each vertical.

Scale Plan

We offer full front-end customizations for Scale Plan users. Complete enterprise-grade solutions with full API access and dedicated support for all your embedded finance needs. Please contact us directly to discuss custom pricing options.

Note: For life insurance, we do not currently offer customizable configurations. If you are interested in a specialized life insurance page, please contact us directly.

What is an Initial Step?

The Initial Step determines how the user experience will begin for your integration of choice. Options for initial step vary depending on the product vertical (e.g., personal loan, credit card). Below are the two examples available for personal loan:

Initial step: Application

Initial Step: Preview

What is the Loan Flow?

Integrations come in two different flows for filling out forms: Step-By-Step and Single Step.

Step-By-Step

Step-By-Step allows a user to complete a form by answering one question per screen at a time, with a moving bar that tracks their level of progress. Once completed, they will be navigated to a page with personalized offers.

Single Step

Single Step allows a user to complete the form all on the same page. Once completed, they will be navigated to a page with personalized offers.

Set up tracking for your integration

Custom Lead Attributes

Channel Partners have the ability to assign Custom Lead Attributes — partner-specific identifiers like: traffic source, article, unique user identifier, etc. — to leads sent to Engine's API via a Partner Page, Embed, or Native API integration. Below are instructions on how to implement these Custom Lead Attributes by integration, allowing Engine to ingest and report this data back to partners.

Examples of Custom Lead Attributes

In the examples below, the channel partner is appending two Custom Lead Attributes, respectively, which are sample values and typically correspond to identifiers in the channel partner’s data.

Partner Page: Custom Lead Attributes (bolded below) are appended to the Partner Page URL.

https://hifiona.com/even-testing/loans?tag.traffic_source=1234&tag.article=5678

Embed: Custom Lead Attributes (bolded below) are embedded to the Source URL of the Embed code.

https://embed.hifiona.com/ui/multi-product/index.html?partner=even-testing&access_token={access](https://embed.hifiona.com/ui/multi-product/index.html?partner=even-testing&access_token={access) token}&company_uuid={company_uuid}&productType=loan&available_products=loan&tag.traffic_source=1234&tag.article=5678

Native API: In the clientTags section of the post request to Engine's API, include Custom Lead Attributes keys and values (image below).

  "clientTags": {
      "traffic_source": [
        "1234"
      ],
    "article": [
      "5678"
      ]
  }

You will then be able to view reporting analytics for your Custom Lead Attributes in Performance Summary reports in Control Center.

Embed Event Listener

Engine's Embeds fire off events (i.e., triggers) that websites can listen to (i.e., track behavior). There are certain events occurring on an Engine Embed (e.g., an offer click, the application loading) that can be tracked and monitored for reporting purposes. Users can listen to (i.e., track) these occurrences from the browser console or network logs.

Events	Description
appLoaded	Embed loaded on page
appComplete	User completed application through an Embed (consented to receive offers and applied)
loanOfferClick	User clicked into a returned offer returned

All events are prefixed with the brand (fiona_) and published to window.message. Below are examples for adding a listener:

window.addEventListener('message', this.handleEvent)

window.addEventListener('message', (msg) => {if(msg.origin.indexOf('embed.') !== -1){console.log(msg)}})

Relevant information on the event is included in the event’s data field.

All of the events fired from the Embed are under the ‘message’ name. You can capture each event as shown below:

window.addEventListener(‘message’, customEvenEventHandler);

In this line above, we are specifically looking for events being fired under the name ‘message’ within the window of the page and then passing them into a function called {customEvenEventHandler}. In any case, a different custom event handler could be in place looking for an event fired called ‘message.’ In these instances, you can just add the functionality to specifically look through these requests and identify them as events fired from the Even Embed.

Each of the Engine events are identifiable by checking the type of the event that is located in {event.data.type}. Below is an example of the {customEvenEventHandler} that uses this logic in order to identify events from the Embed.

<script>

    function customEvenEventHandlercon(event) {

        if(event.data.type === ‘even_iframe_initialization){

             //Do something to signal that the Even iframe has been initialized

        }

        else if(event.data.type === ‘even_loanOfferClick’) || event.data.type === ‘even_specialOfferClick’){

             //Do something to track the user clicking on a loan offer or a special offer.

         }

    }

</script>

You can use the logic from the function above to create your own event listener in order to track events firing from the Engine Embed. Below are some names of other types of events that might be useful in tracking.

• "even_iframe_initialization"

• "fiona_STEP_SELECTED"

• "even_parent_scroll"

• "fiona_appLoaded"

• "even_loanOfferClick"

• "even_specialOfferClick"

• "even_applicationComplete"

Set up Native API Integration

Please contact us to set up a Native API integration.