Complete View: A Picture into Users' Financial Accounts

By providing a full picture of customers with multiple financial accounts, Okra's Complete View helps businesses make more informed decisions.

Complete View: A Picture into Users' Financial Accounts

As a result of the COVID-19 pandemic and other factors, Nigeria's active bank accounts figure surged by 14.41% from 97.5 to 111.5 million active bank accounts in 2020.

With the number of unique account holders hovering around 45 million, we can deduce that the average Nigerian has at least two active bank accounts. However, fintech companies, whose business use case necessitates bank account information, are often limited to only the account a user links to them. Further, they are also excluded from other non-bank financial accounts linked to their users.

While this has been a norm, this article introduces a better alternative called Complete View, which provides a full picture of a customer's finances to help companies make decisions and drive traction. From vetting customers based on information from multiple accounts to initiating payments from them, this feature helps businesses stay profitable as they scale.

With Okra's Complete View feature, fintech businesses via the consent of a user can have a view into customers' financial accounts.

Use Cases of Complete View

Let's explore this from the lending perspective. Providing credit services comes with the risk of defaults—particularly when you have access to just one financial account of each customer, to initiate repayments. Suppose you give a loan to a customer and the allotted time for repayment draws near, you would attempt to charge the connected bank account to your application to recover the loan amount.

But imagine, the connected bank account has insufficient funds. That's problematic, right? You'd be forced to wait for the user to top-up their account before attempting to charge the customer again. But what if the user has another bank account with more than enough money needed to repay the loan?

That's where Okra's Complete View product plus Garnishment comes in handy.

Complete View lets you know all the bank accounts a user has and get insights from the accounts so that you can make certain decisions before granting them access to your application.

The Okra garnishment feature helps vendors legally collect money from accounts to repay outstanding debt. It is a great feature for creditors to use when debtors repeatedly ignore requests to pay back what they owe.

How does it work?

Right now, Complete view can only be integrated via the API, we're working on making it available via the Okra Widget, for ease and secured integration.

To integrate,

  1. Visit here and signup.
  2. After verification, log in.
  3. Get your secret keys
  4. Test on Postman

Launch your postman app, and let's test it there.

Request Sample

Response Sample

🎉That's how easy the Complete view feature can be integrated via the API. Make sure to subscribe to the Okra Blog so you can be the first to know when we release the Complete View via the widget!


Complete View allows your customer to complete a debit authorization on any bank account, allowing authorized and customer consented access to all available banks. Complete View can expand financial possibilities and help companies make smarter decisions!

We know that businesses will benefit greatly from this feature; that's why we took on the challenge to build the Complete View product. We're the first in Africa to do it! 💪🏾

How can we help your business?

Whatever financial product you are looking to build, we will step in to make things digital within minutes. Check out the product suite and find what you need here. And if you'd love to see a demo, we have you covered; book your exclusive session here. Let's build the unimaginable together!