Open Banking use cases

Open Banking – customer data access flow

OB customer data access flow

Open Banking consent steps

  1. Customer visits third party application
    On third party application customer select open banking provider for payment or to share account detail.

OB-usecase-1

  1. Customer selects any of Solaris's client.
    Customer selects CredECard as they want to pay or share account detail from credecard accounts.

OB-usecase-2

  1. Third party application redirects to open banking provider internally.
  2. Open banking provider (tell.money) to Solaris’s client (here credecard) landing page.
  3. Solaris shows landing page for authentication to identity customer.
    Customer provider their authentication detail to perform first and second factor.

On Successful authentication: customer can login and select account detail.

OB-usecase-3 OB-usecase-4

On Failed authentication: Customer redirected back to third party application with Unauthenticated error message.

OB-usecase-5

OB-usecase-6

  1. After customer identification CredECard shows account detail to approve the consent.
    Customer selected account and approve the consent or reject the consent. Solaris keeps records to customer action with consent expiry, selected account, and shared detail.

OB-usecase-7

  1. Customer either approves or rejects the consent.
    On approval: Solaris able to share customer detail to that third party provider.

OB-usecase-8

On Rejection: Solaris does not share customer detail to that third party provider.

OB-usecase-9

Solaris is the brand name for the regulated entities Contis Financial Services Ltd and UAB „Finansinės paslaugos „Contis“, which are part of the Solaris Group.