Changelog

• Clients now have the option to select the language for Truv products during bridge token creation, by passing the parameter locale as es for Spanish and en for English for language translation. This would be used if you are using a custom platform to invoke Truv. English is selected by default if nothing is passed when bridge token is generated. Previously, we had the automatic detection to trigger Truv Bridge in Spanish based on the browser setting, which we still support.

• The Truv Bridge now offers a combined search function, showcasing both providers and employers in search results, irrespective of the active tab. This search improvement has been rolled out across Truv Bridge for all our clients and partners.

• Added new widget events to Event Reference for Truv Bridge, MANUAL_DDS and OAUTH_OPENED.
• Added a position parameter for the Truv Bridge.
• Event name in the documentation was corrected, LOGIN_COMPLETED is actually LOGIN_COMPLETE for the Event reference for Truv Bridge.

• Based on our user testing, we had some feedback on the UI/UX for SSA. We have improved the SSA experience to be more inline with our Truv Bridge redesign and better usability for our end consumers.
• Enhanced Walmart borrower/member experience, featuring a redesigned menu to match the website view and updated link styles for hints on forms

In select cases when login to the payroll provider is only available from the device enrolled into the corporate VPN we’ll offer user to open AppClip or download a Truv companion app to complete login from user’s device. It is currently enabled as a backup for cases where Truv is unable to login successfully.

For Direct Deposit Switch product now the manual pdf form can be added as a fallback option, if client has enabled this feature.

Taking customization to the next level, we’re pleased to introduce the ability to personalize your Bridge search screen. Add your preferred top companies, which will now display in the Popular tab instead of our default list.

Truv’s direct deposit switching solution is built on the premise that consumers should be able to change their direct deposit distribution quickly and easily. In the end, it’s their money that they should have complete control over.

• To build on this notion, Truv’s direct deposit switching solution now fully supports the ability for consumers to both edit and delete previously established direct deposit distributions.
• This new functionality provides our customers with a complete solution to adjust and change direct deposit distributions at any time for any reason.

To help standardize data and improve the customer experience, we’ve added a phone data entry mask to our phone number entry field. This mask doesn’t allow applicants to enter any non-numerical character. It helps prompt applicants to enter phone numbers in the correct format.

We’ve added CashApp pin setup instructions to the CashApp user flow. These instructions help users navigate creating a pin. This makes it easier to verify their income and employment with CashApp. These tactical UX changes help increase conversion rates.

This update includes various improvements and fixes. The sections cover Truv Bridge, a streamlined Encompass experience, and an Orders workflow update. 

We’ve created a new React native SDK workflow for applicants. The new version addresses issues from the previous version, such as opening up a new window or tab when the end user attempts to navigate back with the back button to the first screen. This creates a better customer experience and helps drive conversions.

For clients with the Tax Verification product, we’ve streamlined the experience for self employed individuals. Truv allows users to find their verification source by adding a new category called Self Employed to the top of the Truv Bridge. This reduces applicant confusion and create a cohesive customer experience

Direct Deposit Switch Update: We’ve added the ability to update and delete deposit connections directly in the DDS product.

We are proud to announce exciting updates across multiple areas, including the Truv Bridge, Orders, the Dashboard, our documentation, and more. 

Mobile Landing Page Redesign: We’ve updated the UI and UX for our mobile landing pages. The new page design differs from the desktop and prioritizes order workflow simplicity. This helps increase conversion rates.

Fixed Race Condition Bug: We have fixed the issues for users opening Truv Bridge on multiple tabs or devices at the same time. Users now receive notifications about already filling out their information in another device or tab. This now prompts users to complete their verification there.

Multiple Products Exit Notification: For users with prompts to provide information for multiple Truv products, we’ve added a browser and Truv widget notification update. This warns users about exiting Truv Bridge as it results in lost progress for all products.

Document Upload Visibility: We’ve added a new document upload selection to our employer selection screen. This allows applicants to easily access document upload, if it’s the preferred data verification.

• Workday and Oracle seeing an uptick of conversion rate of 5% with Workday & 15% with Oracle
• Improved the ability to Social security administration via login.gov and additional mfa screens and prompts leading to an uptick of 24% in conversion rate
• Improved average time to login for Paycom to be under 5s
• Support now additional MFA screens for Amazon AtoZ login and native reset flow for Intuit Quick Books
• Additional MFA screens supported for employers who use ADP for Direct deposit switch product

Clients using Truv’s solution now can use reset natively for MyPay. In cases where users are unable to login to their MyPay account, they can now easily reset their username and password within Truv Bridge and connect their accounts successfully.

Truv has added the Bank Aggregation product to the product suite, alongside payroll and insurance. Clients can now allow their users to connect to financial institutions. Clients can get details about users’ transactions and assets information from authenticated accounts for a specified period of time.

We have significantly improved fill rates for the points below. Truv remains relentlessly focused on data quality. Strong data quality and fill rates allow our customers to underwrite with confidence.

• income in the Employment object across all integrations
• pay_frequency in the Employment object across all integrations
• start_date in the Employment object for the Paylocity integration

We’ve added a net new provider to the supported integrations – Infor Lawson.

We’ve added a new product for Tax Verification. This provides new features and coverage for self-employed users. These users can now provide access to accepted IRS tax returns to lenders using Truv. We currently cover 85% of the U.S. workforce for verifying income and employment and our coverage continues to expand.

We’ve made improvements across many providers. See the list of companies below.

• Paylocity
• Oracle PeopleSoft
• Oracle HCM
• Ceridian
• UPS
• Amazon A-Z
• Rippling

Truv remains focused on optimizing conversion rate to enhance the end-user experience and help provide our clients with a superior product. With this in mind, we’ve added couple of enhancements to the Truv Bridge.

• Ability to handle searching with typos
• Clear empty state for search with instructions & fallback options to better guide end-user

We’ve launched new categories in Truv Bridge. See the list below for the included categories. The payroll category is for users familiar with their providers. End-users can navigate to their most relevant category for and complete their verification more easily.

• Popular – Popular employers for your traffic
• Employer – top employers in US
• Payroll – Payroll providers sorted by share of market
• Gig – Popular gig economy companies
• Benefits – Retirement, disability and veteran benefits

• Improved fill rates for:
  • job_type in the Employment object for Ceridian integration
  • job_type, job_title in the Employment object for AmazonAtoZ integration
  • date_of_birth in the Identity object for Intuit integration
  • account_number, routing_number, account_name, account_type in Bank Accounts object for Intuit integration
• Improved data pull-through rate for employers: Lyft, JetNet, iSolved, CVS, Social Security Administration, Bamboo HR integrations
• Improved login error messaging for Oracle, Paycor, Paylocity, Workday, Intuit

• Replaced full in progress screen with the loader. When a user submits data, we used to show the in progress step in full-screen mode. Now users see only the loader, and we keep the user in context by reducing the number of screens in the flow.
• Added autosuggest for OTP codes on mobile keyboards
• Updated provider search rules to show more relevant results
• Now a CLOSE event is sent and the onClose handler is called after closing the Bridge with a successful result

• Improved fill rates for pay_rate, income, and income_unit in the employment object for integrations with Ceridian, Gusto, Oracle HCM, Paychex, Paycom, Paylocity, and Workday
• Improved data pull-through rate for employers: DoorDash and AT&T

Added a new error code, link_exists , for when a user’s account is already connected

• We introduced insurance verification flow in our Bridge. Now user is able to choose their insurance provider and share their active insurance details with the client
• Native reset flows for Intuit QuickBooks for password and username recovery
• We deployed new version of Bridge to all our traffic. Besides style and color changes we upgraded employer search screen and simplified navigation across the Bridge. A/B test we ran showed increase of the conversion rate to finding provider
• We added Bridge events in Document upload flow so now client can get additional knowledge on user’s activity in alternative verification flow

• Improved the direct deposit functionality for Dollar General, and Oracle HCM
• Increased user login speeds for UKG provider
• Optimized the former employee login for ADP users

Now together with paystubs you can also enabled W-2 as document type for users to complete their verification using alternative way

Bridge v3 as A/B test
Truv has rebranded to Blue and as part of this enhancement we have redesigned the Truv Bridge and rolled it out to 50% traffic. Key features include:

• New categories on the search screen, to help users to find their employers/providers easily and ability to login faster
• Additional options for end users on the login page to help them login to their payroll providers Need help page now shown as the bottom sheet and helps end users explore alternate ways to login

ADP update
Launched the new ADP workflow to align with the payroll provider experience. We tested this variant and see an uplift of 1.4 ppt conversion rate

data_source field was added for VOIE and VOE endpoints to indicate the source of data: payroll system or user uploaded documents.