Account Information Services (AIS)

One of the primary ambitions of these guidelines is to provide simplification and consistency throughout each stage of the Open Banking implementation. As such, we have defined a core set of AIS journeys to illustrate the roles played by each of the Participants in the Open Banking ecosystem.

AIS Core Journeys

The Open Banking Read/Write API specifications support Account Information Services (AIS). They enable an Account Information Service Provider (AISP) to access account information from online payment accounts held at Account Service Payment Service Providers (ASPSPs), in order to provide account information services to a Payment Service User (PSU), provided they have obtained the PSU’s explicit consent.

This section describes the core journeys that support the set-up and management of AIS. The key components are:

  • Account Information Consent – PSU giving consent to an AISP to request account information from their ASPSP
  • AIS Access for PSUs from Corporate Entities – PSU acting with delegated user authority on behalf of a corporate entity, may only be able to use AISP services if this is permitted within the parameters of that delegated user authority.
  • Permissions and Data clusters

(Note: This section does not include guidance around scenarios when more than one TPP is involved in the delivery of a service – sometimes referred to as “Onward Provisioning”. This subject will be addressed as part of the on-going OBIE evaluations of eIDAS and Consent/Access Dashboards.)