Implement BNPL real-time credit eligibility check using an open-banking cash-flow underwriting approach

Verified steps

1. Choose an open-banking data source (e.g., Plaid Check CRA or Mastercard Open Banking cashflow attributes) and provision the appropriate product for your lending context
2. At checkout or application, initiate the bank account connection flow for the consumer using the chosen provider's Link/Connect SDK
3. Once the account is connected, trigger a synchronous or near-synchronous cashflow analysis call — retrieve recent transaction history, average balance, and income signal attributes from the API response
4. Apply your BNPL credit policy rules in real time: evaluate average end-of-month balance versus requested purchase amount, detect recent NSFs, and check for regular income deposits
5. Return an approval, conditional approval, or decline decision within the checkout session timeout window; ensure the decision engine completes within your platform's UX latency budget (typically under 3 seconds)
6. If the decision factors in a consumer report (CRA data), generate and queue an adverse action notice for declined applicants per FCRA/ECOA requirements before the session closes