Overview

Signal IQ is an orchestration product that turns a multi-step financial-data pipeline into a single, managed flow. You integrate once, and Signal IQ coordinates everything from raw financial data to ready-to-use insights and output files - keeping you informed with webhook updates at every important stage.

Under the hood, Signal IQ brings together Setu's Account Aggregator, bank-statement PDF parsing, and Setu Insights - so you don't have to stitch these systems together yourself.

In short - Signal IQ turns multi-step data-processing chains into one managed product flow.

Why Signal IQ

What Signal IQ solves

Signal IQ replaces a fragile multi-system integration with one orchestrated product flow.

Without an orchestrator

You stitch it together

Multiple APIs called in sequence.
Retries handled across systems.
State tracked step by step.
Outputs coordinated manually.

With Signal IQ

You integrate once

Single orchestration entry point.
Webhooks at every stage.
Terminal status with a reportId.
Fetch outputs anytime via API.

Single entry point

One integration

Start the full pipeline from one touchpoint.
Signal IQ coordinates every internal step for you.

Stage-by-stage visibility

Live progress

Webhooks at consent, fetch, insights, and delivery.
No need to poll internal systems yourself.

Output delivery

Outputs delivered

Get a reportId when the flow completes.
Fetch JSON, Excel, XML via API.

Output fetch

Outputs on demand

Call the output APIs with reportId.
Re-fetch anytime - no webhook dependency.

Core principles

Single-flow experience - you never orchestrate the internal steps manually.
Transparent progress - every important stage is communicated through a webhook update.
Configurable outputs - output types are configured per client (for example, insights JSON, custom JSON formats, XML, Excel).
Reliable completion - Signal IQ owns retries, failure handling, de-duplication and controlled recovery.

Choose your flow

Signal IQ supports different entry points depending on where your data comes from. The orchestration model, notifications and outputs stay consistent across all of them - only the way the flow starts changes.

Account AggregatorAA FlowFor journeys that use Setu's Account Aggregator to source financial data, combined with Setu Insights.Explore the AA Flow Bank statement PDFPDF FlowFor journeys that start from a bank-statement PDF. Upload a statement and Signal IQ handles the rest.Explore the PDF Flow Your own dataBring Your Own FI DataFor clients who already have financial data from their own account aggregator or a third-party source.Explore Bring Your Own FI Data

The experience is the same across every flow

No matter which flow you use, the client-facing experience is consistent -

The flow is triggered - either automatically (AA Flow) or by a single API call from you (PDF Flow, Bring Your Own FI Data).
Webhook status updates are sent at each key milestone documented in that flow.
On success, you receive INSIGHTS_CREATION_SUCCESSFUL with a reportId.
You fetch configured outputs using that reportId.

Outputs

This is the same across every Signal IQ flow.

Webhooks = status only. Notifications tell you where the pipeline is. They do not carry the report body by default. When insights succeed, the terminal webhook (INSIGHTS_CREATION_SUCCESSFUL) includes a reportId - that is your handoff token.

Outputs are configured during onboarding. Depending on your setup, you may fetch insights JSON, custom JSON formats, XML, Excel, and so on.

Fetch via API. Pass the reportId to the API reference endpoints for the format you need. You can re-fetch anytime for reconciliation.

If you want the report payload included in the INSIGHTS_CREATION_SUCCESSFUL webhook, that can be customised during onboarding.

Before you start

During onboarding you share the details Signal IQ needs to run the flow for you.

You provide	Used for
Webhook URL	Where all lifecycle notifications are delivered
Insights template	Which insights are generated for you
Output formats	Which outputs you want to fetch (JSON, Excel, XML, and so on)

If configuration is missing or incomplete, the flow does not start.

See how Signal IQ works when your data comes from Setu's Account Aggregator.

NextAA Flow