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
- Refreshing AISP Access – PSU authenticating at their ASPSP to refresh on-going access they previously given consented to
- Consent Dashboard and Revocation – AISP facility to enable a PSU to view and revoke consents given to that AISP
- Access Dashboard and Revocation – ASPSP facility to enable a PSU to view all AISPs that have access to their account(s) and the ability to revoke that access. This must be available on all channels that a PSU could access via the ASPSP directly and be easy and intuitive for PSUs to find and use. This facility should not include unnecessary steps, superfluous information or language which could discourage the use of TPP services or divert the PSU from the access management process.
- Generic guidance around the effective use of re-direction screens (when the PSU is transferred to and from the ASPSP domain) is included in section Effective use of redirection screens.
- Access Status Notifications by ASPSPs – Notifications by ASPSPs to inform AISPs about access revocation and other access status changes related to the PSUs account(s).
- 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.
(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.)