How Argyle creates a fast, low-friction verification experience for you and your customers
At Argyle, we know that your success as a business is dependent on building a seamless experience for your customers. That’s why we design products that not only serve your income and employment data needs but also the needs of the consumers you’re selling to.
That means thoughtfully considering what they are feeling and experiencing when they find themselves interacting with Argyle Link, our consumer-facing interface. This could be when they are applying for a loan or mortgage, filling out a job application, opening a bank account, renting a home, requesting a paycheck advance, or purchasing a car. Our goal? To get you the income and employment data you need with as little friction for your customers as possible.
Experiencing Argyle Link
Argyle Link is the interface we built to allow consumers to connect their payroll accounts to apps and websites like yours and manage the transmission of their income and employment data in a quick, easy, and friendly way. When you want to access your customers’ payroll records, all you have to do is prompt them to engage with Argyle Link. The request can either be sent by email or embedded in your website or app.
Once your customers receive the request, Argyle Link uses conversational language to guide them through the process of connecting their payroll account in no more than two simple steps:
Your customers find and select their employer, payroll provider, or gig platform from a comprehensive list. If you already know this info about your customers, we skip this step. Sign up to view Argyle’s comprehensive list.
Your customers log in to their payroll account, just like they would at work.
From there, our secure technology takes over, retrieving the income and employment data you need in a matter of seconds.
What’s more, if your customers have multiple payroll sources (e.g., they hold two jobs or work multiple gig platforms), Argyle Link allows them to connect them all, and then we standardize and aggregate the data for your use.
An example of Argyle Link in action
Let’s say that “GoodLoans” is a client of Argyle, and “Sara” is a Good Loans customer. GoodLoans would like to connect to Sara’s payroll records in order to retrieve and verify her income and employment, so they can approve and fund her loan.
First, GoodLoans embeds Argyle Link in its loan application workflow. Argyle Link is then programmed to automatically prompt Sara to connect her payroll account at a predetermined point in her customer journey.
Using Argyle Link, Sara finds the source of her payroll records (in this case Starbucks), logs in to her account at Starbucks, and establishes a connection between her payroll account at Starbucks and GoodLoans.
In the process, Argyle discloses to Sara the information that she is agreeing to share with GoodLoans, and by continuing, that she’s agreeing to Argyle’s legal terms. By continuing, she agrees to Argyle’s legal terms. Sara is letting Argyle know that GoodLoans can continually request updates of her income and employment data, and Argyle can transmit her data to GoodLoans on her behalf.
Sara can also edit her income and employment data-sharing settings at any time. She can stop the transmission of her data to GoodLoans by going to the GoodLoans app, opening up Argyle Link, selecting her Starbucks account, and removing her payroll connection. If she does, GoodLoans no longer has access to Sara’s data and deletes Sara’s data on its system in accordance with the master services agreement (MSA) GoodLoans signed with Argyle.
Get it your way
One of our goals with Argyle Link is to maximize your customers’ affinity for your brand. You can customize Argyle Link with your copy, button arrangements, and more. We’ve also made it so that the subject line, sender name, text body, and call to action button—for both regular connection invitations and Verification of Income & Employment invitations—can be tailored to your preferences.
Lower friction, higher conversion rates
Compared to the status quo, Argyle Link reduces friction for you and your customers. The seconds of work it takes to complete the Argyle Link workflow results in hours of time saved for all parties involved.
It means that your customers aren’t manually entering their income and employment data, filling out tedious forms, or uploading paystub and tax form PDFs. It also means your team doesn’t have to go through the trouble of manually reviewing and verifying your customers’ income and employment data over the phone or by email.
The ease of Argyle adds up to impressive conversion rates. In fact, 70-75% of consumers that encounter Argyle Link successfully connect a payroll account.
If you’re ready to see Argyle in action and learn what it can do for your product, workflows, and operation, sign up for a free account to begin testing Argyle today.
