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With respect to the clusters and permissions language, ASPSPs should consider whether the language that is displayed to the user/customer is appropriate when the information being accessed relates to more than one party. For example, “Your data” may need to be adapted to just “data” to indicate to the user/customer that the account information being displayed may not be solely specific to them. As is the case of joint accounts when the account information of both parties is requested
Relevance of data cluster against product type: The AISP must ensure they have business rules that manage the relationship between data cluster to product type and omit access to data clusters that are irrelevant to a product type, as well as their service offering. If an AISP requests a cluster of data that is irrelevant to the product type associated to the payment account e.g. Direct Debit cluster requested for a Savings Account product type, the ASPSP may provide that cluster as empty
Please refer the related data models for detailed breakdown of the data fields
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For the purpose of Bahrain’s open banking the following list of products and services to be shared by the ASPSPs to the AISP upon user/customers consent and Authorisation.
Current account, Savings account (including foreign currency account, cash management account, etc.)
Investment/Deposits accounts
Loans (including financing products, mortgages, overdraft facilities, etc.)
Cards (including credit cards, prepaid cards, charge cards, E-Wallets, etc.)
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