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At the core of all Open Banking customer journeys is the mechanism by which the customer gives consent to a TPP (AISP or PISP) to access account information held at their ASPSPs (Banks) or to initiate payments from their ASPSPs (Banks) account.
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The user journey begins with the pre-consent flow, which illustrates product value and Open Banking value proposition. Subsequently, the consent request is initiated in the AISP/PISP domain. The user is then directed to the domain of its ASPSPs for authentication and authorisation. The ASPSP then responds to the AISP’s account information or PISP’s payment initiation request and redirects the customer back to the AISP/PISP for confirmation and completion of the journey. The user journey can thus be divided into the following components:
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