Customer Experience Guidelines

Account Information Services

This version is:

Published 2 years ago 04 Apr 2022

Account Information Service Providers (AISPs) can 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).

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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.

AIS Core Journeys

Account Information Consent

User Journey In this journey the AISP presents to the PSU a description of the data that it requires in order to support its service proposition.PSU selects the ASPSP(s) where their payment account(s) is held. The PSU is then directed to the domain of its ASPSP for authentication and to select the account(s) they want…

AIS Access for PSUs from Corporate Entities

User Journey PSUs, with delegated user authority on behalf of corporates who are authorised to receive corporate account information via AISPs, will be able to provide consent to the AISPs using the standard AIS journey shown in section Account Information Consent. In this journey, the AISP presents to the PSU a description of the data…

Permissions & Data Clusters for AIS journeys

In the Open Banking API design, data elements are logically grouped together into "permissions". OBIE customer research found that grouping permissions together and adding another layer of description aided the PSU's understanding of the data they were being asked to consent to share.