

Credit API Hub
BridgeSmart is an advanced Application Processing Interface (API) Hub built especially for the credit industry.
What does an API - hub like BridgeSmart do?
As lending becomes increasingly more service-orientated, so APIs become a critical part of the credit journey. BridgeSmart ensures you have a central point to manage your APIs. With BridgeSmart you can set up webservice calls (APIs) to, for example, a credit bureau. You can set up BridgeSmart to deal with the response from the bureau. If you receive data back from the bureau you may want to extract certain fields and send them back to your, for example, loan origination system – this is configured in BridgeSmart. Alternatively, you may receive an unwanted response from the bureau; BridgeSmart is configured to deal with it in an automated fashion.
Integration is frequently the most costly part of software deployment. BridgeSmart provides functionality that manages a number of these challenges.
- Ability to call different types a webservice calls
- Ability to support encrypted responses
- Combine multiple service call responses into one outcome
- Manage simultaneous calls to different service providers
Why BridgeSmart?
- BridgeSmart is in its fourth generation. It has been built with an acquired collective wisdom of the challenges of the credit industry. It has also been configured to connect to a number of webservices in several countries. Not only does it enable lenders to connect to their desired APIs, with over 50 already-configured APIs, BridgeSmart has saved our clients a considerable investment in integration.
Features
BridgeSmart is also feature rich. This includes:
- Configure SOAP and RESTful APIs
- Configure MSSQL calls
- Receive/send data, files and images
- Encrypted/unencrypted calls
- Enable data-retention settings for each call
- Sequential and parallel calls
South African APIs
As well as the list of some of the South African external APIs (listed in the image), BridgeSmart has also been used to connect to a number of decision engines, collection systems and loan management systems.

Benefits & Functionality
- LOWER COST - Reduces unnecessary bureau queries, as valid bureau data can be re-used, rather than sourced from the credit bureau multiple times
- FLEXIBILITY - Can be configured to consume other internal/external data/decision services. Rules for bureau data validity and reuse are configured by business users.
- EASE OF USE, EASY ACCESS, EASY DEPLOYMENT - User configurable interface to manage optimisation and data-service access parameters.
BridgeSmart across the globe
- Principa has been used to connect into several credit bureaux across in a number of countries including:
- South Africa
- Mozambique
- Lesotho
- Eswatini
- Namibia
- Botswana
- Tanzania
- Kenya
- Rwanda
- Uganda
- Nigeria
- Ghana
- Saudi Arabia
System design
- Industry-leading software design principles
- Highly configurable and flexible design to meet business requirements and reduce cost of ownership
- Designed for industry standard hardware platforms
- Microsoft.Net development tools supports rapid future enhancements through a simple and efficient development environment
Network support
- LAN and WAN supported
- Runs on any TCP/IP network
- Supports VM and cloud-based deployments