Account Information Services

AIS Access Dashboard & Revocation

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Published 4 years ago 20 Dec 2019
User Journey   ASPSPs must provide PSUs with a facility to view and revoke on-going…

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User Journey

 

ASPSPs must provide PSUs with a facility to view and revoke on-going access that they have given to any AISP for each account held at that ASPSP. This section describes how AISP’s access should be displayed and how the customer journey to revoke them should be constructed.

 

Wireframes

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CEG Checklist Requirements 3
ASPSPs must describe the data being accessed using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below). ASPSPs should present the data at a Data Cluster level and allow the PSU to expand the level of detail to show each Data Permission. The Access Dashboard should also describe: The status of the access e.g. Active/Inactive. When the AISP’s access to the account(s) will expire. The date the authorisation was granted. And may include date of last access The access dashboard must allow a PSU to view or cancel the access they have given consent to. These 2 functions should be given equal prominence when offered to the PSU.

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CEG Checklist Requirements 5
ASPSPs must advise PSUs that they should contact the associated AISP to inform them of the cancellation of access and/or understand the consequences of doing so.

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CEG Checklist Requirements 5
ASPSPs must advise PSUs that they should contact the associated AISP to inform them of the cancellation of access and/or understand the consequences of doing so.

CEG Checklist Requirements & CX Considerations

If the customer-facing entity is acting on behalf of an AISP as its agent, the PSU should be made aware that the agent is acting on behalf of the AISP.

This can be presented to the PSU by displaying both the agent’s name and the regulated AISP name in the list of providers, where applicable.

“Agent” means a person or entity who acts on behalf of an authorised payment institution or a small payment institution in the provision of payment services including account information services.

ASPSPs should offer a functionality ( e.g. search, sort, filter) to enable a PSU to search for the relevant access. This will be of particular benefit as the number of consents given by a PSU to TPPs increases.

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ASPSPs must describe the data being accessed using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below).

ASPSPs should present the data at a Data Cluster level and allow the PSU to expand the level of detail to show each Data Permission.

The Access Dashboard should also describe:

  • The status of the access e.g. Active/Inactive.
  • When the AISP’s access to the account(s) will expire, if available.
  • The date the authorisation was granted.

And may include date of last access.

13a 10a

ASPSPs should make the status of TPP access clear by the use of emboldened words. The ASPSP should also make it clear, which party provided the AISP access, in the case of joint/ multiple account holders.

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The access dashboard must allow a PSU to view or cancel the access they have given consent to. These functions “cancel access” and “back” should be given equal prominence when offered to the PSU.

ASPSPs must advise PSUs that they should contact the associated AISP to inform them of the cancellation of access and/or understand the consequences of doing so.

10c

What the research says

“Consumer research has shown that people feel most confident that a revocation has been actioned, when it is has taken place with an ASPSP. Their perception is that they are ‘stopping’ the information at ‘source’ rather than instructing a TPP not to ‘take’ the information.”  

Click for customer research