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 to give access to. Once the PSU has been authenticated, their ASPSP will be able to respond to the AISP’s request by providing the account information that has been requested.

When considering AISP requests submitted by a PSU acting with delegated user authority on behalf of a corporate entity, the PSU may only be able to use AISP services, if this is permitted within the parameters of that delegated user authority. If the PSU does not have the appropriate delegated user authority, please refer to journey  AIS Access for PSUs from Corporate Entities.

Note: This refers to individuals in the Corporate / BCP space that have the authority to share data or any other entity that has credentials with the ASPSP and have the authority to access the corporate accounts under their profile permissions.

Wireframes

CX Considerations 1

AISPs should ask the PSU to identify their ASPSP before requesting consent so that the consent request can be constructed in line with the ASPSP's data capabilities (which the ASPSP must make available to all TPPs). ASPSP Implementation guides, which are located on the Open Banking Developer Zone will have information about the ASPSP's data capabilities.

CEG Checklist Requirements 2

AISPs must provide PSUs with sufficient information to enable PSUs to make an informed decision, for example, detail the purpose for which the data will be used (including whether any other parties will have access to the information) the period over which it has been requested and when the consent for the account information will expire (consent could be on-going or one-off).
If the customer-facing entity is acting on behalf of an AISP as its agent, the PSU must be made aware that the agent is acting on behalf of the AISP.

CEG Checklist Requirements 3

The AISP must provide the PSU with a description of the data being requested using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below) and ensure that this request is specific to only the information required for the provision of their account information service to the PSU.
The AISP must present the data at a Data Cluster level and allow the PSU to expand the level of detail to show each Data Permission. The AISP should only present those data clusters relevant for the product type in question. Where the request is for multiple product types then the detail shown in the data cluster should explain to the customer the product types to which it applies or state that it is shared across multiple product types.
Once PSU has consented, the PSU will be directed to their ASPSP. Please refer section Effective use of redirection screens for relevant messaging.

CX Considerations 4

If the customer-facing entity is acting on behalf of an AISP as its agent the ASPSP should make the PSU 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 as:
Select and confirm account(s) to share information with , who is acting on behalf of

CEG Checklist Requirements 5

If the ASPSP provides an option for the PSU to view the data they have consented to share with the AISP as supplementary information, this must be done using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below). Display of such information must not be provided to the PSU as a default.

CEG Checklist Requirements 6

ASPSPs must not seek confirmation of the consent that has already been provided by the PSU to the AISP.
Once the PSU has selected the account(s), refer to section Effective use of redirection screens for redirection messaging.

CEG Checklist Requirements 7

The AISP should confirm the successful completion of the account information request to the PSU.

Requirements and Considerations

CEG Checklist Requirements & CX Considerations

AISPs should ask the PSU to identify their ASPSP before requesting consent so that the consent request can be constructed in line with the ASPSP’s data capabilities (which the ASPSP must make available to all TPPs). ASPSP Implementation guides, which are located on the Open Banking Developer Zone will have information about the ASPSP’s data capabilities.

AISPs must provide PSUs with sufficient information to enable PSUs to make an informed decision, for example, detail the purpose for which the data will be used (including whether any other parties will have access to the information) the period over which it has been requested and when the consent for the account information will expire (consent could be on-going or one-off).

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

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The AISP must provide the PSU with a description of the data being requested using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below) and ensure that this request is specific to only the information required for the provision of their account information service to the PSU.

The AISP must present the data at a Data Cluster level and allow the PSU to expand the level of detail to show each Data Permission. The AISP should only present those data clusters relevant for the product type in question. Where the request is for multiple product types then the detail shown in the data cluster should explain to the customer the product types to which it applies or state that it is shared across multiple product types.

Once PSU has consented, the PSU will be directed to their ASPSP. Please refer section Effective use of redirection screens for relevant messaging.

13b

If the customer-facing entity  is acting on behalf of an AISP as its agent the ASPSP should make the PSU 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 as:

Select and confirm account(s) to share information with <agent>, who is acting on behalf of <TPP>

If the ASPSP provides an option for the PSU to view the data they have consented to share with the AISP as supplementary information, this must be done using the structure and language recommended by OBIE following customer research (see Data Cluster Structure & Language below). Display of such information must not be provided to the PSU as a default.

13a

ASPSPs must not seek confirmation of the consent that has already been provided by the PSU to the AISP.

Once the PSU has selected the account(s), refer to section Effective use of redirection screens for redirection messaging.

2

The AISP should confirm the successful completion of the account information request to the PSU.

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NOTE:

Note: “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.

When an agent acts on behalf of the AISP, the PSU must in the case of requirement #2 and should in the case of requirement #4 be made aware of this within the consent journey.

Please see details in requirements #2 and #4.

    What the research says:

    Click for Customer Research