Nimble News

Bank Feeds – How we use them to make your application quick & secure

Applying for a loan with Nimble is super simple. We throw away the mountains of paperwork and stuffy face-to-face meetings you get with the banks, and streamline the process for the simplest, most secure and fastest way to short-term loan approved.

However, with so many advancements in technology, it’s normal for people to have questions about the application process. In fact, one of our most common topics we receive enquiries about are bank feeds…how they work, what we use them for and most importantly, how secure are they?

So we’ve listed our most commonly asked questions below, and just like our mission statement… To delight people by making borrowing simple, fast and stress-free”.., we’ve answered each one with this in mind… so you can get to the end without having to Google any definitions.

 

First off…what is a bank feed?

A bank feed is a tech tool that extracts data from bank statements. They are widely used, especially in the world of accounting, allowing businesses to sync transactions from bank accounts into accounting software automatically. It saves a massive amount of time, removing the need for you to manually send your bank statements to us.

Bank feeds are used throughout the US, Australia and other parts of the world, servicing millions of individuals and hundreds of the world’s largest financial institutions.

 

So, why does Nimble use bank feeds?

We do this as part of our obligation as a responsible lender and to remove the necessity of having you send multiple documents such as bank statements, payslips, tax returns and lease agreements. Nimble is also required by law to collect and review at least 90 days worth of bank statements, among other things, for all Small Loan applications.

We use this service to verify the information you’ve given us, such as your income and expenses, and allow us to assess your suitability for the loan and your ability to pay it back.

To save you from sending envelopes, emails and carrier pigeons with your information, we use bank feeds for fast, secure, read-only access to your bank statements. Bank feeds allow us to provide you with a straightforward application, which can be lodged with just a few taps and clicks, from any device at any time. The process is so simple that you can literally apply online for a Nimble short-term loan from anywhere in Australia.

 

But is it definitely secure?

Of course! Your security and privacy are always our number one priority. We ensure your personal details are safe and secure throughout the entire process.

All of our systems and processes are engineered to ensure you and your financial data are fully protected.

The fancy term for this is called “end-to-end encryption”, which means your connection between your browser and our servers is constantly safe. We also employ daily 3rd-party security scans from McAfee – this is exactly the same level that banks and brokerages use to safeguard you and your financial data, meaning your profile and details are safe with us.

 

What external providers does Nimble use?

Bank feeds are enabled by our external service providers, Yodlee and Proviso Pty Ltd (trading as Bankstatements.com.au). Using an external provider for this kind of purpose is extremely common in business and banking, and the providers allow us access to the best in specialist bank feed technology and security.

 

What can Nimble do with my bank account?

When you input your login information the external provider effectively logs in to your account, but in a read-only capacity. Essentially, we receive a screenshot of your banking transactions, so we have absolutely zero ability to move funds around or change any of your account details. Nimble will also never see your internet banking passwords or credit card number details.

So if you’re interested in a safe, stress-free, fresh approach to lending, check out our smart cash loans from Nimble!*

 

* This is not a loan offer. Loans are subject to meeting Nimble’s lending criteria and suitability checks.

 

You should read this bit: Sometimes we use links in our blogs that belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website, meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in our blog posts. The information in our blog posts is general information only and does not take into account your objectives, financial situation or needs. The information contained in this blog is correct at the date of publication.

 

We won some awards, yay!

It’s not often we brag about stuff.

But because we’re super nerds we couldn’t contain this one.

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This is in here purely because it brings us joy.

Earlier this year, we entered a bunch of Marketing Excellence awards for some of our TV campaigns.

And here’s where we kicked butt:

  • The Australian Effie Awards
    We won bronze – which is a super awesome effort! We were up against the likes of Vodafone and Bank of New Zealand in the financial products and services category.
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All the marketing, all the time.

Well-chuffed would be an accurate description of where we’re at right now.

Like, we knew our TV ads we entered were an extremely successful campaign and we knew that we had smashed our targets for all objectives…

… But it’s still nice to get a pat on the back from our industry pals.

I know what you’re thinking, ‘But Nimble, what objectives does one have for a marketing campaign?’

Great question.

Here’s what we were working towards:

  • New users: first and foremost, the campaign aimed to attract new customers to our site.
  • Build brand profile: we were set the task of delivering dramatic shifts in brand health.
  • Brand understanding and association: finding out what we can do better from our last lot of campaigns and doing it.
  • Online enquiries: metrics were established for online enquiries.

Awesome work team!

If you have any questions for our marketing team – write them in the comments. We love talking about this stuff!

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Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information contained in this blog is correct at the date of publication.

Thankyou Group

Yeah, we think we scrub up alright.

Just by munching on some delicious muesli bars* and washing our hands with some yummy soap, we’ve helped almost 57,000 people this month. No biggie.

It’s hard to imagine that every time you choose a brand of hand wash you’re impacting the earth in a positive or negative way.

Well, the team at Nimble has made that our reality. Cue: Thankyou®.

As part of the Nimble Community initiative, our team of eco- and social-injustice warriors have changed up the products we’re using on our skin and feelin’ pretty darn good about it, too.

So far, from changing something as easy as the brand of handwash we’re scrubbin’ up with or the muesli bars we eat at morning tea, we’ve contributed to helping:

  • Food projects for 56,817 people in Darfur, Sudan
  • Health projects for over 100 people in Matangani, Zimbabwe

It feels awesome to know that every time we wash our hands, we’re helping fund social and economical change in developing nations. (Let’s not forget that the Thankyou®  stuff makes our job pretty easy.)

We love partnering with awesome Aussie businesses doing epic things worldwide.

*Note – we have since ordered 20 more boxes of these because we can’t get enough!

Nimble’s Daily Habits: KeepCups over Disposable Cups Everyday

Did you know that it’s Plastic Free July?

This made our choice for this month’s Daily Habit change a bit of a no brainer…

On the 1st of July, every staff member at Nimble got a KeepCup. This means there will be no more disposable cups filling up our Nimble bins, and that’s a lot of cups – as we do love our coffee!

Here are our top reasons for becoming KeepCup reusers:

  • Every minute, over one million disposable cups are discarded into landfill
  • When compared to the disposable cups, using KeepCups reduces landfill by at least 99% every year
  • Half of the plastic used in the world today is for single use disposable items

If that’s not enough to get you to make the change too, head to the KeepCup website – you’ll never look back. You can even design your own KeepCups here.

Here’s how the transition went down at Nimble:

Nimble’s Daily Habits: Organic and Fair Trade Coffee Anyone?

This week Nimble launched an internal initiative called, Daily Habits. Through Daily Habits, the Nimble team will be working together to make more sustainable and environmentally friendly choices in our day-to-day work.

 

Our first change that we made this week was making the swap from supermarket purchased, brown-water-esque coffee to deliciously ethical coffee beans from Toby’s Estate. It’s Organic, it’s Fair Trade and it tastes good in the mouth as well as the heart.

 

Why choose Fair Trade?
Did you know that 90% of the world’s coffee production takes place in developing countries with the top three producers being Brazil, Vietnam and Cambodia? Working conditions in the coffee industry have often been described as ‘sweatshops in the fields’.
By choosing Fair Trade, we help the change by providing the growers in these developing countries better working conditions and a higher cut of the profit. 

 

 Why choose Organic?
Organic coffee means that it is grown without using any synthetic fertilisers or pesticides and without the aid of any genetically modified organisms. It also benefits the environment. With no chemicals being used in production, processing or packaging – it does not pollute the environment.
By choosing Organic, we are making positive changes to our own health as well as preserving the environment.

 

If you’d like to make the same change, we highly recommend the Fair Trade and Organic range at Toby’s Estate found here.fto_blend_1_1

 

Nimble in StartUp Creative

StartUp Creative is an initiative started on the Gold Coast, local to our seaside Nimble HQ. StartUp Creative was founded and is led by young entrepreneur – Kaylene Langford who has strong passions toward leading fellow young business starters through mentoring, business coaching and facilitating workshops.

Late last year, the awesome team at StartUp Creative launched their first print publication that featured an article about how Nimble came to be. Have a read below.
StartUp_Double

Visiting New York and Building A Mobile App

A lot of our members use their mobile phones to get Nimble loans.

Our mobile site is good but we wanted to make the Nimble mobile experience even better.

To create the most simple and convenient way to borrow money – loans with just a few taps on a device.

So we decided to build the Nimble mobile app.

To build something truly amazing, we knew that we needed to collaborate with the best. So a year ago we started searching for the best app design team in the world. We spoke to the startup community, stalked winners of the most prestigious app awards and called agencies all over the world.

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The Nimble team at Fueled in NYC.

We even contacted the developers behind our favourite apps.

Eventually, our search took us to all the way to New York. We soon found ourselves sitting with a bagel in hand at the cozy SoHo offices of Fueled.

Why Fueled?

Fueled built apps for some of the most innovative companies in the world. Apps for The Discovery Channel, Porsche and Elevatr.

Stunning, beautiful, fun apps.

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Free snacks and popcorn!

After a week of chats, whiteboard sketches and getting no sleep because of constant sirens, we were ready. We decided we’d found the right partners to work with our talented internal team and build the Nimble app.

Over a year later, after a lot of designing, building, developing and testing, we started to see the first version of the Nimble app come to life.

The Nimble platform is complex. It looks at over 4,500 data points to lend money so quickly and efficiently. It’s not easy to then make an app that integrates seamlessly into the complex Nimble technology – and the fast moving lives of our members.

It has taken us months of testing and improving it to make sure there wasn’t a pixel out of place.

Now finally, it’s nearly ready for you to download it.

Keep an eye on your emails over the next few weeks for when we announce it’s live – on both IOS and Android.

Here’s a sneak peek of what’s to come…

Nimble Screenshots 3inarow

Unexpected Happens™ At Nimble

unexpected happens internal launch

Whoa! Some extremely exciting things happened at Nimble HQ yesterday.

We’re talking tons of balloons, a delicious supply of morning coffee, groovy gift packs, and a huge reveal from the Marketing Team.

It all seems like a bit of a blur now – a dream almost – but here’s a quick recap of what went down…

Goooood morning Nimble!

Early Wednesday morning, when the first of the Nimble Team came into work, they were greeted with a pleasant surprise.

The ceilings around the office were painted a bright red with hundreds of floating balloons.

The lunchroom table boasted a tasty breakfast menu.

A coffee cart – complete with professional baristas – was warmed up and ready to serve anything from a double ristretto to a caramel-infused, soy latte.

And each desk was adorned with an earthy-coloured, 15cm x25cm box full of goodies…

What was in the box?

It’s always nice getting a present – getting an unexpected one is even better.

The 113 boxes speckled around the office each contained the ultimate Nimble Survival Kit – a chocolate bar, stress ball, beverage, and note letting people know that breakfast/brunch/lunch were all on Nimble.

There was also mention of a big reveal at 12pm in the lunchroom.

What the heck was going on?

By 11:30 it was impossible to wipe the smiles off people’s faces.

Anticipation was building. It was hard to imagine what how this day could get any better.

Everyone piled into the lunch area – which had been turned into a theatre room with sparkling stanchions, a buzzing popcorn machine, and a big projector screen.

Once people were settled, the Marketing Team uncovered the motive behind all the excitement…

Brand spankin’ new Nimble TV ads.

As the big screen played one ad after the other, the laughs got louder and louder.

The actors’ unique expressions, the quirky scenarios, and the comical punch lines were a real treat.

As soon as each ad was over, there was a rumble of opinion, praise, and chatter.

Everyone was super pleased with how the ads have turned out.

The Unexpected Happens campaign was off to a flying start. (Go Marketing Team, go!).

Unexpected Happens

Sure, the first part of the day was an absolute blast, but it didn’t end there.

To top off a truly amazing day, everyone* got to have the afternoon off – on Nimble!
(*several people stayed back to work, but they’ve been compensated accordingly 😉 )

It was the most fun any of us had had at work, since…well…ever!

And now it’s time to share our new ads with you, before they hit TV screens across the country next week.

CLICK HERE to watch the new Nimble ads now.

And let us know what you think, by voting for your favourite or leaving a comment below our pics from yesterday.

s with balloons

 

girls with food

 

k with popcorn

 

k with balloons

 

popcorn

 

dolphin

 

 

Nimble Survey Competition – We Have Some Winners!

Here’s some awesome news:

We’ve chosen 4 winners for our Nimble Survey Competition!

These lucky people have each won themselves (or possibly their partners/family/friends) a $500 Red Balloon Gift Certificate.

That means there’s some skydiving, V8 supercar racing, hot air ballooning, sailing, horse riding, or good old relaxing (while getting pampered from head to toe) to be had.

In order to participate in the competition, we asked our members to complete a short, 5min survey and tell us at the end what they would spend a $600 Nimble loan on if they could spend it on anything.

Here are the 4 winning entries…

1234We believe in amazing experiences and we hope to see some (crazy) photos from these guys enjoying their Red Balloon adventures.

The Nimble Rabbit Has A Name!

 

Every pet needs a name.

Ok, technically this little guy isn’t a pet… but we’re quite fond of him and thought he needed a name all the same.

So we put the call out to our members to suggest a name for the Nimble rabbit when they activated their new Nimble Visa Prepaid cards.

And we got a whopping 6,708 suggestions!

But there’s only one winner. So without further ado…

Meet: Pronto!

He’s clever. He’s fun.

He’s the kind of rabbit who’d be the wingman for his rabbit friends.

He’s doesn’t sit still. He’s got a kooky sense of humour. He’s humble.

He’s Pronto.

The best part is – it’s not without meaning. “Pronto” stands for everything we pride ourselves on – being quick, providing an instant answer and being able to transfer you money right away.

We think it’s a perfect fit, and we’re just thrilled our rabbit finally has a name.

And we have Lindsay G. from New South Wales to thank.

He suggested this groovy name for our rabbit so he’s also the lucky winner of the $5,000 dream holiday.

Exciting stuff!

We’d also like to send out a huge thanks to everyone who activated their card and suggested a name. Maybe Pronto will have some baby rabbits one day so that we can use a few more of your great suggestions!

New Year, New Member Area

We’ve been working hard here at Nimble HQ.

Sure, we had a little break over the Christmas period — but it was short lived.

Now that the New Year is already in full swing, we’ve got some exciting things to share with everyone.

Firstly, the most requested update to the Nimble experience happens next week.

We’ve rebuilt the Member Area to offer our members an even better service.

The new interface is much more intuitive. Here’s a special sneak peek…

For starters, the design is cleaner.

You’ll find your new navigation on the left hand side. A lot of focus has been placed on the visual aspect, so things are quicker and more effortless to scan.

Now it’s easier to find everything in the one place as soon as you log into your account. This is thanks to the integration of each loan aspect being combined into an all-encompassing dashboard.

You’re also in full control of your smart little loans and spending, with the help of the specially grouped loan, account, and card sections.

And speaking of the card — the new Nimble VISA Prepaid Card is coming next week too. But it deserves a blog post of its own (so look out for that).

In the meantime, leave a comment and let us know what you think of the sneak peek.

We Are Now Nimble

Spray the silly string and pop the party poppers — we are Nimble!

Yes, as in ‘fast’, ‘agile’, ‘dextrous’, but also as in ‘the company’.

We’re still the same team with the helpful and supportive customer service and nerdy tech geeks. We’ve just got a brand new look.

So with the switch over from Cash Doctors to Nimble, here are 5 things you should keep in mind:

1. A Lot Remains The Same
Most importantly — there’s absolutely no need for worry. Apart from the visual stuff everything else is still the same.

2. Member Areas
For all our members — the member areas will work exactly the same.

There are some improvements in the pipeline, but we’ll be letting everyone know well in advance before any changes.

3. Cash Doctors Cards
Another one for the members. Even though we’re switching to Nimble, your old Cash Doctors card will still work fine.

4. URLs (Links To Our Site)
If you still use www.cashdoctors.com.au, that’s cool, you’ll simply be redirected. However, it’s probably a better idea to bookmark www.nimble.com.au now and you’re all set.

5. STP 1.5 — Our Super Smart Technology
Our team of brainy mathematicians and software developers have been pulling all-nighters for the past few years to make our new clever technology possible.

It’s a bit of a big deal. Groundbreaking stuff.

Find out more about it here.

Finally, if you have any questions or feedback please call our team on 133 156.

The number is still the same.